Dental Plan Types
There are three types of dental coverage plans depending on whether you're buying direct or being covered by an employer:
•Dental Maintenance Organization (DMO®)*
- is most often a lower-cost insurance plan. You choose a primary care dentist.
If you need to see a specialist, your primary care dentist gives you a referral.
If your plan covers orthodontia, you do not need a referral to see a DMO orthodontist.
•Preferred Provider Organization (PPO) or Participating Dental Network (PDN)** - With these plans, you can visit any dentist you want. You never need a referral. Costs usually are lower if you choose a dentist who is part of the PPO or PDN. Deductibles and annual maximums may apply.
•Dental Indemnity - A dental indemnity plan gives you free choice of any dentist you want. There may be deductibles and annual maximums with these plans, too.
