Dental Insurance
Research Proposal for
Dental Insurance in India
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Introduction
There are various kinds of health/medical insurance in modern times, and insurance for dental health is one of its significant aspects. Dentistry is a medical discipline that addresses the oral health of an individual.
Dental insurance is offered to individuals and families who obtain their dental insurance coverage through large groups or through their employers or people go for Dental Insurance on individual basis. Dental Insurance covers dental examinations, hygiene cleanings, root canals, orthodontics, and so on.
Background
Like medical insurance, dental insurance is a one of its kind insurance plan that is designed to lessen the financial burden of professional care and dental treatment. The key feature that makes it unique is unlike medical insurance, which normally applies only during the times of serious injury or disease, dental insurance covers usual and preventive dental treatment, as well. Dental insurers typically pay the “usual, customary and reasonable” (UCR) rate which is determined by dental plan administrators. This rate varies widely from plan to plan and must be very carefully considered by an employer electing dental coverage for their employees or an individual researching independent coverage. The UCR is the fee that the dental insurer sets comparatively to the average local dentist’s rate for the same procedure.
The main categories of dental insurance plans are: 1) P.P.O (preferred provider organization) 2) H.M.O. (health maintenance organization), direct re-imbursement and 3) Indemnity plans
Importance
Dental health is extremely important for individuals and families and it’s financially helpful to have some form of dental coverage to minimize the costs of dental care. It is typically available to individuals and families who receive their dental insurance coverage through large groups or through their employers. There is a premium that
Dental Insurance in India
[pic]
Introduction
There are various kinds of health/medical insurance in modern times, and insurance for dental health is one of its significant aspects. Dentistry is a medical discipline that addresses the oral health of an individual.
Dental insurance is offered to individuals and families who obtain their dental insurance coverage through large groups or through their employers or people go for Dental Insurance on individual basis. Dental Insurance covers dental examinations, hygiene cleanings, root canals, orthodontics, and so on.
Background
Like medical insurance, dental insurance is a one of its kind insurance plan that is designed to lessen the financial burden of professional care and dental treatment. The key feature that makes it unique is unlike medical insurance, which normally applies only during the times of serious injury or disease, dental insurance covers usual and preventive dental treatment, as well. Dental insurers typically pay the “usual, customary and reasonable” (UCR) rate which is determined by dental plan administrators. This rate varies widely from plan to plan and must be very carefully considered by an employer electing dental coverage for their employees or an individual researching independent coverage. The UCR is the fee that the dental insurer sets comparatively to the average local dentist’s rate for the same procedure.
The main categories of dental insurance plans are: 1) P.P.O (preferred provider organization) 2) H.M.O. (health maintenance organization), direct re-imbursement and 3) Indemnity plans
Importance
Dental health is extremely important for individuals and families and it’s financially helpful to have some form of dental coverage to minimize the costs of dental care. It is typically available to individuals and families who receive their dental insurance coverage through large groups or through their employers. There is a premium that
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