Personal Dental Insurance

Written by Rachel Arieff
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Personal dental insurance is now available with more options than ever before. Sure, there are still the old standbys of traditional dental plans. Depending on what your priorities are, though, you can choose from three basic types of personal dental insurance.

Is it important to you to pick your dentist yourself? Then you may choose a dental indemnity plan for maximum choice and flexibility in your care. However, the drawback to this personalized type of plan is that the savings will be less.

Options in Personal Dental Insurance

Is saving money, then, your main priority for personal dental insurance? Managed care plans, where you're assigned to a dentist that the insurance company chooses, will save you the most money. For specialist work, however, you will need a referral from your primary dentist, and there will be restrictions on the kind of care you may receive.

A preferred provider plan is a combination of the both of the above plans, where you can enjoy some savings and some choice. A final option is not really insurance at all, but a fee-for-services supplemental health plan, which is a package of dental, vision, prescription, and chiropractic benefits. Avoiding the hassles of premiums, deductibles, claim forms and restrictions, you pay for the care you need when you need it, but at discounted rates.

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