A dental insurance policy is designed to pay a portion of the costs associated with dental care. There are several different types of dental insurance or group dental insurance plans arranged into three primary categories: (1) Indemnity plans that allows you to see any dentist you want who accepts this type of coverage; (2) Preferred Provide Network plans (PPO); plans that contracts with medical providers, such as hospitals and doctors, to create a network of participating providers and (3) Dental Health Managed Organizations (DHMO) in which you are assigned or select an in-network dentist and/or in-network dental office and use the benefits in that network.
Generally dental offices have a fee schedule, or a list of prices for the services or procedures they offer. Insurance companies have similar fee schedules which are generally based on Usual and Customary dental services or an average of fees in your area.
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