Regular home dental cleaning and hygiene are an important part of maintaining a healthy smile. Brushing and flossing help control the plaque and bacteria that cause dental disease. Plaque is a film of food debris, bacteria, and saliva that sticks to the teeth and gums. The bacteria in plaque convert certain food particles into acids …
Capitation plans are another form of managed care. They are also called a Dental Health Maintenance Organization or HMO. Participating dentists are paid a set amount for each person enrolled in the plan, rather than for actual treatment provided and whether they visit the dentist or not. Unfortunately, this type of plan encourages a “significant …
Indemnity or UCR plans are the most common insurance programs. The initials UCR stands for Usual, Customary and Reasonable. In these programs you may find a dentist of your choice and the dentist is paid on a traditional “fee for service” basis. Monthly premiums are paid to the insurance company by employers. Indemnity plans often …
In Preferred Provider Organization programs you must choose from a specific group of dentists who have agreed to provide minimal dental care for the contracted cost. Participating dentists have agreed to discount their fees so they can be a part of the program, and must often limit treatment options. Treatment choices are usually limited to …
In Direct Reimbursement programs, your employer reimburses you directly for part or all your dental treatment. Usually all types of treatment are covered and you can see any dentist you choose. In addition, you are free to choose the quality of care with which you are most comfortable. The American Dental Association views this as …
