Indemnity Dental Insurance – Medical Center Dental Care West Hills CA
At Medical Center Dental Care West Hills, your dental insurance is accepted and welcomed at our office.
What is an Dental Indemnity Plan?
Indemnity plans allow you to direct your own dental care and visit almost any dentist or dental specialist you like. The insurance company then pays a set portion of your total charges. Indemnity plans are also referred to as "fee-for-service" plans.
How does an Dental Indemnity plan work?
Under an Indemnity plan, you may see whatever dentists or specialists you like, with no referrals required. Though you may choose to get the majority of your basic care from a single dentist, your insurance company will not require you to choose a primary care dentist. An Indemnity plan may also require that you pay up front for services and then submit a claim to the insurance company for reimbursement.
You'll likely be required to pay an annual deductible before the insurance company begins to pay on your claims. Once your deductible has been met, the insurance company will typically pay your claims at a set percentage of the "usual, customary and reasonable (UCR) rate" for the dental services. The UCR rate is the amount that healthcare providers in your area typically charge for any given service.
An Indemnity plan may be right for you if:
- You're looking for the greatest level of freedom possible in choosing which dentists or specialists to visit.
- You don't want to designate primary care dentists or get referrals to get specialists.
- You want to freely visit any dentists you choose.