Dental insurance is just as important as medical insurance. Residents of Durham, Chapel Hill and Duke can avail dental insurance based on their budget and their dental problems. Here is a look at the dental insurance plans you can choose from:
Types of dental insurance
Basically, there are two ways in which the expenses are covered, namely Indemnity and Managed-Care plans. Both the plans provide all the added benefits of regular checkups and other basic services for a monthly premium. They mainly differ in their process and extent of coverage.
Indemnity plans provide a broad range of services where the insurance carrier offers reimbursement for covered services upon receiving the hospital bill. In this case, the patient will be required to make arrangements for up front expenses and manage a bunch of paperwork.
On the other hand, managed-care plans maintain a network of dental service providers. To be eligible for this kind of coverage, the patient must be treated by one of them. Insurance companies providing managed-care service cover the expenses after a claim is submitted by the providers upon the completion of treatment.