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Dental, Insurance Indemnity Plans

Friday, Jun. 4th 2010 1:59 PM

I am up for open enrollment for my health and dental insurance with my job.  So I have to pick the plans I want.  I know what I am picking for the health but under the dental I have a choice between a HMO and an Indemnity dental plan.

Does anyone have experience with dental indemnity plans?  Off hand I and leaning towards the Indemnity plan because it says I can pick any dentist I want to.  With the HMO I have to choose a dentist in the network.    However the indemnity has a 1000 max limit were the HMO does not.

I am wondering how hard is it having to file dental claims?  I hear that filing claims can be a hassle because the insurance companies do not pay out like the plan says they will.  Is that true? Although I am not paying for the dental plan itself which one is worth getting?

Posted on Friday, Jun. 4th 2010 1:59 PM, by admin, in Dental Help, Dental Implants, Dental Plans, Comments Off on Dental, Insurance Indemnity Plans

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