---
title: "What Is Indemnity dental plan? Dental Glossary | Town Center Dental"
description: "An indemnity dental plan is a traditional plan with no network. You can pick any dentist, and the plan pays a percentage of the charges."
url: https://towncenterdental.multisites.ai/glossary/indemnity-dental-plan
publisher: Town Center Dental
phone: +1-636-273-5866
quote: https://towncenterdental.multisites.ai/request-appointment
---

Insurance and Billing

# Indemnity dental plan

An indemnity dental plan is a traditional plan with no network. You can pick any dentist, and the plan pays a percentage of the charges.

An indemnity dental plan, sometimes called traditional or fee-for-service insurance, is a non-network plan. It often has a [deductible](https://towncenterdental.multisites.ai/glossary/deductible). After that, the plan pays a set percentage of charges for services performed. Payments can go to you or to the dentist.

Plans typically have no restrictions on which dentist you visit. Most plans cap what they will pay for each procedure using a [usual, customary and reasonable (UCR)](https://towncenterdental.multisites.ai/glossary/usual-customary-and-reasonable-ucr-fee) fee. If your dentist charges more, you may pay the difference.

Because payment can go to you, you may pay the office first and then be repaid after a [claim](https://towncenterdental.multisites.ai/glossary/insurance-claim). Compare this with a PPO, which adds a network, and a DHMO, which requires one. See the [insurance and financing page](https://towncenterdental.multisites.ai/patients/insurance-and-financing).

## Related terms

-   [PPO dental plan](https://towncenterdental.multisites.ai/glossary/ppo-dental-plan)
-   [DHMO (dental HMO)](https://towncenterdental.multisites.ai/glossary/dhmo-dental-hmo)
-   [Usual, customary and reasonable (UCR) fee](https://towncenterdental.multisites.ai/glossary/usual-customary-and-reasonable-ucr-fee)
-   [Insurance claim](https://towncenterdental.multisites.ai/glossary/insurance-claim)
-   [Deductible](https://towncenterdental.multisites.ai/glossary/deductible)

## Sources

1.  [National Association of Dental Plans: Glossary of Dental Insurance Terms](https://www.nadp.org/wp-content/uploads/2022/09/GlossaryInsuranceTerms_updated_12_31_20.pdf)
2.  [ADA: Types of Dental Plans](https://www.ada.org/resources/practice/dental-insurance/dental-plan-overview)

## Ready when you are

[Request an appointment](https://towncenterdental.multisites.ai/request-appointment)[Call (636) 273-5866](tel:+1-636-273-5866)