Dental indemnity (fee-for-service) insurance lets you visit any dentist without network restrictions. The plan reimburses a percentage of costs based on usual and customary rates.
Indemnity plans have higher premiums, typically $50-$100+ per month for individuals, reflecting the greater flexibility and freedom of provider choice.
UCR (Usual, Customary, and Reasonable) is the amount insurers consider normal for dental procedures in your area. Plans reimburse based on UCR rates.
Indemnity insurance is worth it if you want complete freedom to choose any dentist, have an established relationship with a specific provider, or travel frequently.
Typical coverage is 100% for preventive, 80% for basic, and 50% for major procedures. You pay the difference between the charge and reimbursement.
Yes, indemnity plans have annual maximums typically ranging from $1,500-$5,000, which is often higher than HMO or PPO plans.
Yes, indemnity plans allow you to see any licensed dentist. There are no network restrictions or requirements for referrals.
You may pay upfront and submit claims for reimbursement, or the dentist may file claims directly. Reimbursement is based on UCR rates.
Indemnity plans often have waiting periods of 6-12 months for basic procedures and 12-24 months for major work to prevent adverse selection.
Indemnity plans suit people who prioritize provider choice, have complex dental needs, or want the highest reimbursement levels regardless of cost.