Dental Insurance Policy Review Checklist

Summary

This Dental Insurance Policy Review Checklist outlines key issues to consider when representing a client involved in dental insurance. These involvements include becoming a dental insurer, a business wishing to offer dental insurance to its employees, a direct consumer / policyholder, a dentist wishing to offer professional services and to be compensated by a dental insurance organization, or an insurance representative who wants to sell dental insurance. It is important to understand that dental insurance is classified as life and health insurance whether offered as a stand-alone product or as an adjunct to a more comprehensive insurance product. There is one dental product that is not an indemnity product: a dental discount plan. Many states have implemented a regulatory scheme for discount plans to ensure financial solvency and consumer protections.