New York Dental Insurance Indemnity Dental Plans
Does anyone have experience with dental indemnity plans? I have been shopping on line for dental insurance and right now I and leaning towards the Indemnity plan. I like that it says I can pick any dentist I want to.
On the dental plans I have seen you have to choose a dentist in the network. However the indemnity has a 1000 max limit were the dental plans do not. Also I know Indemnity plans have waiting periods that plans do not but I am not worried about them since I have no major dental needs.
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?