Benefits 101

02/22/2006
These are the traditional fee-for-service insurance plans. You pay a monthly premium to an insurance company and in return it covers a portion of your dental expenses. Some typical features of these plans: High deductibles before coverage begins (well-designed plans don't apply the deductible to preventive services) Probationary periods on certain procedures that last up to a year Annual dollar limit on benefits Chose your own dentist Your average monthly cost: $19 to $25 Companies selling these plans are regulated by state insurance departments.

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