Indemnity dental insurance is basically a package in which the insurance policy holder has the option to choose the dentist as per his/her choice and the insurance provider is liable to pay the cost of dental treatment on traditional fee-for-service basis. Under this plan, a fixed amount of monthly premium is to be paid by the policy holder and in turn the provider company reimburses the dental treatment cost to the dentist.

Before going for indemnity dental insurance plans, you must know its advantages and disadvantages that will give you an idea about it.

• The best part of this plan is that you have the option to visit any dentist without any approval or authorization or sometimes you need to precertify for complex dental treatments.
• The client can avail great discounts. In some cases, the insurance provider may pay for full coverage i.e. 100% of dental treatment.
• This dental insurance provides an open panel of dentists that gives you complete liberty to choose the dentist of your own choice.

Apart from these benefits, Indemnity dental insurance plans also have some disadvantages which are as under:

• Under this plan, the waiting period needs to be considered as you have to wait to get care until you are fully covered by the plan or have o pay for all the dental services.
• The deductible amount under this plan is high which one of the main disadvantages of this insurance is.
• In general case, the cosmetic treatment is not covered in this plan. In other words, it can be said that usually it does not provide financing for orthodontic treatment.

So, just go through the above advantages and disadvantages of the Indemnity dental plans and then decide whether this type of insurance will be beneficial for you or not regarding your healthy teeth.