This is the basic type of dental coverage most employers offer. The worker doesn’t know when they’ll need dental work performed. So, the plan lets the worker decide when to schedule an appointment. Once there, the employee receives any needed dental work. Once the person is ready to pay, the coverage plan applies.
The insurer has a deal in place with your employer, charging a set fee (premium) for each worker. The plan doesn’t charge your employee as if everyone will need dental coverage; therefore, the total cost of coverage is cheaper to the employer and thereby the worker who needs dental care.
The payment at the dentist’s office is straightforward. The patient tells the dental employee which insurance company will cover the services. The office worker checks to see how much that company covers. The patient is responsible for the rest, which is usually only a small percentage of the cost. Fee for service plans ordinarily requires the patient to pay some amount at the dentist’s office. Otherwise, the patient sets up a payment schedule.
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