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What Is An
Office Visit Co-payment, Dental Co-insurance And Plan Deductible
by Internet Dental Alliance
What is an office visit co-payment and
co-insurance?
An office visit co-payment is a fixed
dollar amount or a percentage that you pay for each dentist visit or
for each dental service provided. For example, with some plans you
may pay a fixed amount such as $5 or $10 per visit. Other plans will
charge you a percentage of the total fee - or dental co-insurance -- for the
visit. So if your co-payment is 10% and the dentist visit was $200,
you would pay 10% which, in this case, would be $20.
What is a dental insurance deductible?
A deductible is the amount of annual dental
expenses that a dental plan member must pay before the plan will
begin to cover expenses. For example, if your plan has a $50
deductible, you will pay the first $50 of your dental expenses
before your dental plan begins paying the expenses. Only expenses
for covered services apply towards the deductible. For example, if
you paid $1,000 for orthodontic work that was not an expense covered
by the plan, then the $1,000 will not apply toward your annual
deductible.
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