Group dental insurance 101Posted by Nick Niesen on October 29th, 2010 Even if you get insurance as part of a group you essentially enjoy the same benefits that an individual dental insurance plan provides with an added advantage. Because you are part of a group, you pay lower premiums. Dental insurance carriers prefer to insure groups because the risk is spread around and more members in the group guarantee them additional business. As a member of a group, your dental insurance plan is a result of a contract between your employer (or union), or plan sponsor, and a third party (insurance company). Any your concerns you have regarding your plan coverage should be directed to the plan sponsor or your employer. To maximize the benefits found in your dental plan you should take time to know how it is designed and what its limitations are. A good group dental plan is one which covers around 60 to 80 percent of each dental treatment you undergo. Some Features Common To Group Dental Insurance Plans Direct Reimbursement program UCR or "Usual, Customary, and Reasonable" program Table or Schedule of Allowance programs Preferred Provider Organization (PPO) program Capitation program Like it? Share it!More by this author |