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Types of Dental Insurance Plans

There are several types of dental insurance plans to consider, each with its unique structure and benefits:

• Preferred Provider Organization (PPO): This plan offers a network of dentists who agree to provide services at reduced rates. While you can see any dentist, staying within the network often results in lower out-of-pocket costs.
• Health Maintenance Organization (HMO): An HMO plan requires you to choose a primary dentist and get referrals for specialists. It typically costs less than a PPO but offers less flexibility.
• Indemnity Plans: These plans offer the most flexibility, allowing you to visit any dentist. They reimburse a portion of your dental expenses, but you may have higher out-of-pocket costs.