Does anyone have experience dealing with this type of dental insurance (Dental Indemnity Plans)? How does it differ from regular dental insurance? My health insurance offers it as an option, and it looks attractive to me because it allows me to go to any dentist, not just ones in their "network". However, the annual cap is $1000. The premiums end up being about $500 anyway, and I am wondering about how much of a hassle they give to people when claims are submitted. Is it even worth it?
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You are better off just self insuring unless you know you need a lot of work or you are meticulaous about oral hygiene and go in for cleanings every six months. Dental indemnity usually means you pay and the insurer pays you back (net of allowables). You can run up a huge bill and they only pay $1000. Remeber dentists can change anything they want. You will pay the difference.
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