US Free and Low Cost Dental Clinics

updated on November 15, 2023

Dental insurance helps cover predictable routine costs like exams and cleanings, as well as unpredictable expensive treatments. Employer-sponsored plans offer perks like subsidies, tax benefits, and pooled risk. While dental insurance can provide valuable financial assistance, the variety of plan options can make choosing coverage confusing. The aim of this article is to explain what indemnity dental insurance is and how it works, so you can determine if this type of plan makes sense for your needs. We’ll provide an overview of indemnity dental plans, how reimbursement and fees work, the pros and cons to consider, and how indemnity compares to other dental insurance options.
Indemnity dental insurance, also known as traditional dental insurance, is one type of plan to consider. With indemnity plans, you pay a monthly premium and are reimbursed a fixed amount for dental expenses based on what your insurance carrier determines to be “usual, customary, and reasonable” fees. A key benefit is flexibility—you can visit any licensed dentist without a referral. However, out-of-pocket costs may be higher depending on the dentist's fees. Understanding how indemnity dental plans work is important for anyone aiming to offset the expense of dental treatment.

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