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