Indemnity insurance is what we think of when we talk about classical dental insurance.  It has been around the longest of all types of insurance.  It is the highest quality insurance, offering the best coverage, the easiest access, and the most freedom to patients.

Indemnity insurance is available through all the big-name insurance companies that we've commonly heard of, like Delta, Metlife, Guardian, and many others.  Unlike other insurance companies, indemnity plans accept the standard dental fees and pay a large portion of the patient's balance directly to the dentist, easing the patient's financial burden greatly.

Normally, indemnity insurance plans pay 100% of the cost of preventive dentistry.  This includes examinations, x-rays, cleanings.

They pay 80% of basic treatment like fillings, gum treatment, and root canals.

And they pay 50% of major treatment like crowns, bridges, and dentures.

Usually, indemnity plans have a $1000 or $1500 annual limit depending on the type of policy.

Indemnity plans give dentists and patients the greatest freedom in choosing treatment plans, often resulting in optimal treatment.  In order to offer the best service however, indemnity insurance plans are generally more expensive to employers or subscribers than other types of insurance.  The old saying , "You get what you pay for" applies to dental insurance too.