Answer to Question 1
Under traditional dental insurance, the patient is covered for a percentage of the fee, based on the agreement negotiated between the employer and the third-party insurance carrier; the patient is responsible for any deductible and that part of the dentist's fee that is not covered by the insurance plan. Under PPOs and HMOs, the dentist agrees to provide certain services for a set rate of reimbursement from the plan and the patient is responsible for the full fee for any necessary or elective services that are not specifically covered by the plan.
Answer to Question 2
periodontal exam