The Fee-For-Service Dental Plan
Continuing our review of insurance plans, today we review the Fee-For-Service plan. This type of plan offers you the most flexibility but offers little in terms of discounts and incentives.
Just like the PPO and HMO plans, a Fee-For-Service plan has a yearly deductible as well as a yearly maximum. The deductible and maximum change by the type of plan you select. The Fee-For-Service plan also covers procedures based on a certain percentage. A typical plan will still pay 100% for cleanings, x-rays and exams.
What separates the Fee-For-Service plan is the flexibility to choose your own dentist and your own service. These plans do not typically have a “network” and will pay any provider you choose. This is nice because it does not lock you in to choosing a dentist based on who is enrolled in your network. The downside to this is that you do not receive an in-network discount. Instead, the Fee-For-Service plan will pay based on the dentists fees up to an amount per procedure they deem to be adequate.
There is also a flexibility in the treatment that the insurance will cover. The Fee-For-Service plans pay for most procedures and have minimal limitations on services. This is good as it won’t stand in your way to getting the care you need.
If you are looking for a dental plan that does not limit your choices in dentists or in the services you get at the dentist, a Fee-For-Service plan may be a perfect fit for you. While you don’t get a discount on treatment, you get the peace of mind to know you have freedom over your care.