Dental insurance is grouped similar to health insurance, there is PPO (Indemnity Plan), dental discount plans and direct reimbursement plans.

Here are some criteria to help you assess what to include in your dental coverage:
  • Dentist Network: freedom to choose any licensed dentist OR be assigned a primary dentist via your insurer's network.
  • General Cleanings/Exams
  • Teeth Whitening
  • Crowns & Bridges
  • Orthodontics
  • Nightguards

UCR Fees: (Usual, Customary, and Reasonable.) These fees are determined by the insurance company and are based on the typical costs of various dental procedures. If your procedure typically costs $100.00, your provider may have a UCR of $80.00 for the procedure. You then have the responsibility of paying the difference. The UCR fees can be found on the Explanation of Benefits (EOB).

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