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With indemnity dental plans, the insurance company generally pays the dentist a percentage of the cost of services. Restrictions may include the co-payment requirements, waiting period, stated deductible, annual limitations, graduated percentage scales based on the type of procedure, and the length of time that the policy has been owned.
Dental care and health care coverage Dental care is especially important for seniors. According to the Centers for Disease Control, one in five adults 65 or older have untreated tooth decay. Over ...
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Dental insurance helps pay for the cost of necessary dental care. Few medical expense plans include coverage for dental expenses. About 97% of dental benefits in the United States is provided through separate policies from carriers—both stand-alone and medical affiliates—that specialize in this coverage.
The Delta Dental Plans Association, also known as simply Delta Dental, is an American network of dental insurance companies composed of 39 independent Delta Dental members operating in all 50 states, the District of Columbia and Puerto Rico. These member companies provide coverage to 85 million people, enrolled in over 157,000 groups.
Over a period of eight years, the percentage continued to rise, reaching 29 percent in 2009. Passage of the Affordable Care Act (ACA) was intended, in part, to combat the growing number of people not receiving medical or dental care, due to the unaffordable cost. [5] Yet the unaffordable care statistic continued to rise.
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