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Dental Insurance: Types Of Policies, Including Benefits

Benefits Under A Dental Managed Care Plan

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Dental Managed Care Plans are sometimes called Dental Pre-Paid or Dental Maintenance Organization (DMO).

Under a Dental Managed Care Plan, you must receive all of your dental care from a dentist who contracts with the insurer. You choose from the company's list of participating dentists.

However, rather than pay a flat co-pay such as $10.00 per visit as you would with a health insurance plan no matter what the visit is about, with dental insurance you pay a co-pay based on the procedure that you have performed.

There is often a very small or no co-pay at all for preventive care while you may pay $10 or $25 per filling. On more expensive procedures like crowns, bridges and dentures, you may have to pay $100, $200 or more, but you will still pay far less than the actual cost of the procedures. Sometimes, these plans will impose a one year waiting period on Major Services.

If covered at all, you will probably have to pay at least half or more of the actual charge for orthodontia.

The plan document will provide a long list of dental procedures and what you are expected to pay for each one.

There is usually no annual maximum benefit.

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