Reimbursement vs. Deductible

Whether a dental insurance plan is reimbursement or deductible-based is an important factor to consider when purchasing dental insurance.

A direct reimbursement plan is one that is normally funded by an employer and allows the participant to choose any dentist without having to consider networks. Participants are reimbursed for the money actually spent on dental work. Some plans will reimburse the participant while others reimburse the dentist.

A dental plan with a deductible requires the participant pay an out-of-pocket amount, such as $100, before any benefits for dental services are provided.

For an individual who wishes to keep his or her long-time dentist and wants to know exactly how much he or she will pay for dental services, a reimbursement plan may be ideal. However, for an individual who has excellent dental health and may not frequently use dental services, a dental insurance plan with a deductible may be the better choice.

Deciding whether to purchase dental insurance entails assessing several factors, including whether the plan is reimbursement-based or deductible-based.





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