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.
Why buy dental coverage? Dental coverage can relieve some of the burden of dental costs at a time when the cost of living is ever increasing. Saving on dental procedures for an entire family with dental coverage can amount to a considerable savings.
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* DENTALPLANS.COM, INC., a licensed Florida Discount Medical Plan Organization, 8100 S.W. 10th Street Suite #2000, Plantation, FL 33324. Plans and Programs offered by DentalPlans.com are not health insurance policies. Plans and Programs offered by DentalPlans.com provide discounts at certain health care providers for medical services. Plans and Programs offered by DentalPlans.com do not make payments directly to the providers of medical services. The Plan or Program member is obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with the Plan, Program or discount plan organization.
