A PPO includes a network of different dentists to choose from. These plans typically strike a balance between cost and choice of dental care providers.
- Larger network of providers than other options
- You can choose an out-of-network dentist
- Typically have higher costs than an HMO
- Generally have annual maximum limits
- May have additional costs for out-of-network dentists
Dental HMOs usually have lower costs, but you must choose a network provider. Out-of-network costs are usually not covered.
- Lower premiums than most deductibles
- May have lower or no copays for preventive care
- Usually have no annual maximum limits
- Limited to a smaller network
- May have restrictions on number of visits
Dental discount plans are not insurance and offer discounts at a select network of dentists in exchange for a yearly fee.
- Annual fees are typically under $150 per year for individuals17
- Not insurance—doesn’t cover costs, only provides discounts
- You are responsible to pay the participating dentist the discounted rate at the time of service.
These plans typically pay out a set percentage of “usual and customary” charges for common dental procedures.
- No network restrictions
- Wider choice of dental care providers to choose from
- Higher costs at dentists who charge above the “usual and customary” amount