The DentaPremier product offers employers with 10 or more enrolled employees various dental insurance options and, more significantly, freedom of provider choice. The dental plan reimburses members based on plan design for services provided. Employers have the option of offering a choice of dual and triple option plans which include panel provider and non-panel provider benefit plan designs. Members can then select the plan that best meets their needs.

The Indemnity product is offered based on the following criteria:

• Where a network does not exist;
• In the DCPG home market (8 county area) where a PPO option is not available;
• For employers who have out of area employees (national locations).
  While we are not able to offer a PPO product in our 8 county area, this product is designed to offer employers coverage to all employees, whether their dentist was in the provider network or not.

The following are differences between an Indemnity product and a PPO product:

• PPO: Allows members flexibility to move in and out of network throughout the year. No difference in ID Cards or premium billing.
• Indemnity: Must stick with plan for one year. If services are received from a network provider, balance billing may still occur. Members receive a DentaPremier ID Card and employers are billed separately if rate differences have been applied.
• PPO: Same benefit plan design and same rates for in and out of network.
• Indemnity: Unless 100% employer sponsored, we recommend increased rates of up to 12% for those employees selecting the Indemnity over the HMO plan.