Advantages Freedom of Choice. Employees may choose their own dentist, including specialists, and may change at anytime. Fixed monthly premiums are usually guaranteed for 6-12 months. Dental offices usually file claims, and benefits can be paid directly to the dentist. This is the most expensive type of dental plan.
Benefits are sometimes difficult to understand.
Some procedures are excluded, others require wafting periods. Benefits paid based on UCR Schedules are sometimes less than the dentist's actual fee, and fees may vary. Lack of Accountability. Few carriers provide employers with claims experience data so cost-effectiveness is often hard to determine. Purchase Considerations 1.