Fee for Service (FFS) Dental Plans
FFS Dental indemnity insurance is often favored by patients who want more choice about where to seek dental care. While managed care dental plans usually require you to get dental care from specific professionals, with indemnity dental coverage, you will be able to select which dental professional you want to see.
With these plans, you may have more paperwork to fill out, as with these insurance plans you will pay for dental care yourself and then submit claims forms to your dental insurance provider. Your provider will reimburse you for part or all of your dental care, depending on your agreement. In some cases, you may only have to pay a deductible. Your insurance provider will pay for up to 100% of "usual" costs associated with dental care.
Dental
Health Savings Accounts
You can use this account to pay for your qualified health expenses, including expenses that the plan ordinarily doesn’t cover, such as eyeglasses and hearing aids.
Expenses paid out of the HSA that are eligible expenses under your high-deductible health plan will count toward the plan’s deductible.
