Compare Dental Insurance Plans

PPO is a type of insurance that offers great flexibility in your health care options. This type of insurance policy doesn’t require you to find a primary care physician or to acquire a referral from a primary care physician before you can see a specialist.

Sometimes called “fee-for-service” plans, indemnity plans enable you to direct your oral health care and visit almost any clinic or doctor you like. When you have an indemnity plan insurance, the provider pays for a set portion of your total charges.

Many providers offer direct reimbursement plans. With this type of plan, your dentist submits the insurance claim on your behalf. You are responsible for paying for the services or products that are not included in your insurance plan.

When you sign up for a dental health maintenance organizations/capitation plan, you receive dental health treatments at specific, contracted clinics or dentists. When you visit these clinics or dentists, you benefit from their services at no cost or at a reduced cost.

Point of service plans are arrangements that enable patients who already have insurance plans to seek specialists who activate outside of the provider’s usual network.

Signing a point of service plan will cover some of the costs of going to an “out-of-network” provider, but with less benefits than if you would have selected an “in network” one.

Discounts or referral plans are not really insurance plans, but most insurance providers offer them anyway. The insurance provider collaborates with a network of dentists who agree to offer their services at a discount. You still have to pay for the services out of pocket, but your costs can be significantly lower.

This type of plan was originally offered to individuals, but now they’re usually offered to employers.

When you sign an EPO plan, you agree to use the services of a limited number of dentists if you want to be reimbursed by your provider.

This type of insurance plans reimburse a set amount for each dental health procedure, no matter how much they actually cost. You are solely responsible for the difference between what your provider pays and what the service costs.