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With indemnity dental plans, the insurance company generally pays the dentist a percentage of the cost of services. Restrictions may include the co-payment requirements, waiting period, stated deductible, annual limitations, graduated percentage scales based on the type of procedure, and the length of time that the policy has been owned.
The typical plan comes without annual limits, and shorter waiting periods to activation. Some plans cover cosmetic dental procedures as well, although this is less common. A standard dental discount plan has a limited roster of dentists within its approved network, similar to dental insurance. [1]
The Delta Dental Plans Association, also known as simply Delta Dental, is an American network of dental insurance companies composed of 39 independent Delta Dental members operating in all 50 states, the District of Columbia and Puerto Rico. These member companies provide coverage to 85 million people, enrolled in over 157,000 groups.
A 2013 Cochrane review found no high-quality evidence with respect to the management of the recurrence of lower-front-teeth misalignment following treatment. [8] Clear aligners are more noticeable than lingual braces, but they can be removed, which makes cleaning of the teeth easier, and they are faster for the dentist to apply. [4]
Insurance company: Different insurers have varying criteria for no-exam policies. For example, Fidelity Life asks for your employment status when you request a quote for no-exam life insurance.
Most policies have a waiting period after you enroll before coverage begins. Typical waiting periods range from two to 14 days for accidents and 14 to 30 days for illnesses.
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