Major Services, such as inlays and crowns, often have what kind of payment structure?

In the context of major services like inlays and crowns within dental insurance plans, the payment structure often involves high deductibles alongside co-payment requirements. This means that policyholders typically are required to pay a significant amount out-of-pocket before the insurance begins to cover the costs. Following this deductible, they may also be responsible for a percentage of the costs through co-payments, which can make obtaining major dental services more expensive for the insured.

This structure is created to manage the costs of more expensive procedures, emphasizing cost-sharing between the insurance provider and the insured. It reflects the belief that services requiring more technical skill and materials, such as inlays and crowns, should have greater cost responsibility placed on the patient. Other options either indicate a lack of out-of-pocket costs or suggest minimal charges that do not align with typical insurance practices for major dental services, which usually come with higher financial responsibilities for patients.