With an indemnity plan, the insurance company makes a specified contribution for each service they cover. For example, they might indemnify you $200 for a crown (cap that goes on your tooth), or $150 for a root canal treatment.
If you choose, the indemnity could be made directly to your dentist's office. This helps a whole lot, especially when finances are tight!
These plans are usually characterized by no limitation in the choice of your dentist - you can go to any dentist, whenever you want! As they say, freedom comes at a price!
Indemnity plans are usually the highest of the many types of insurance plans available in the marketplace.
Since participants in an indemnity plan have the choice of using any dentist, they run the risk of using a dentist who has not been screened or evaluated by the insurance company, nor the office inspected for adherence to regulations for infection control, record keeping and a safe working environment for the dentist and staff.
One way around this is to make sure you get a recommendation from a friend, neighbor, or satisfied patients. The internet is overflowing with such kind of information.