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HEALTH INSURANCE |
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Dental Insurance Introduction
by Jenny Gill
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1. Most expensive plans: Direct reimbursement plans, these plans are the most expensive of the lot. They operate by paying for employee dental coverage from a pool of money set aside by the company for this purpose. The simplicity of this plan makes it the most effective, the reimbursement is made by a simple formula doing away with the complexity of co-payments, deductibles etc. Even though ADA strongly recommends this plan, this kind of direct dental care may not be affordable by smaller companies.
2. Least expensive plans: Managed care plans, similar to a medical HMO, managed care dental plans need to pay for the treatment through regular co-payments and choose forma pool of dentists to get treated. These plans do various cost-control measures and can more affordable for small businesses. The co-payment amount varies according to procedure. Preventive procedures are usually performed without co-payment, however advanced procedures will bear higher co-payments.
The choice lies with the company and their financial managers, however great care is recommended in choosing the plan.
Author: Jenny Gill is an international author with vast experience in a diverse range of subjects, for more information visit www.dentalinsurancesyte.com
About the Author
Jenny Gill is an international author with an immense range of knowledge and skills in a wide range of areas. Jenny is a mother and a grandmother and devotes a lot of her time supporting the aged in her community.
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