Group Dental Insurance
There are many different kinds of dental plans
on the market today. Some of the plans available include:
- Indemnity Plan - This is a traditional plan,
usually the most expensive. You may go to any dentist. The insurance company
reimburses for expenses incurred, based upon a schedule of reasonable
and customary charges.
- Dental Maintenance Organization (DMO) - This
type of dental plan has a panel of participating dentists. You must use
one of dentists contracted with the DMO. You pay very little out of pocket
to see these dentists. The insurance company has contracted with the dentists
who receive specific reimbursements for specific procedures. This type
of dental plan is usually the least expensive type of plan.
- The Dual Option Plan - is a combination of
the DMO and Indemnity Plan. You may go in network (DMO) or out of network
(indemnity plan). You must understand that with these types of plans,
many of the out of network benefits do not reimburse as well as the traditional
indemnity plan. The insurance company really wants you to go to a participating
dentist, but does allow the out of network option when needed.
Madison Dental Individual Brochure
* Madison Dental - Broker Appointment Forms
Madison Dental - Sample Policy
Request a Dental Quote for a firm with 10 or more employees
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