You have a choice of several dental options for you and your eligible dependents to help cover the cost of maintaining good dental health. Depending on the plan, many plans include preventive, diagnostic, and restorative care, as well as orthodontia benefits. Your dental options vary based on type of plan and how you want to control your out-of-pocket costs.
Dental DMO is much like a medical HMO. All care must be obtained through a network dentist.
Dental PPO combines in-network and out-of-network coverage. Each time you need dental care, you make the choice to use a network or non-network dentist.
- In-network there are
no deductibles, all preventive services are covered at 100%, and, generally,
all coverage levels are higher.
- Out-of-network you may choose any provider, but you pay higher out-of-pocket costs for coinsurance and deductibles.
A Dental Preventive Plan pays a percentage of routine dental care costs only and 100% of the cost of routine checkups. You can use any dentist you choose.
A Dental Indemnity Plan pays a percentage of most dental costs, including 100% of the cost of routine checkups. You can use any dentist you choose.
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