There are several features of indemnity dental insurance plans for individuals that make these plans different from many other types of dental coverage: Insurance providers will pay up to 100% of preventative dental care. Although they are becoming increasingly rare, indemnity dental insurance plans are also still available and provide the freedom to choose the dentist of your choice at a higher out-of-pocket expense. In indemnity dental insurance plans, the insured has to pay all the costs for services directly and then submit a claim for reimbursement once a deductible has been met.