5 Types Of Dental Insurance Plans

​A dental insurance plan defrays or covers the cost of dental care, including regular checkups, cleanings, and treatments such as fillings, extractions, and orthodontics. Dental insurance plans frequently ask the insured to pay a portion of the cost of dental care in addition to having a monthly premium, an annual deductible, and a maximum benefit per year.         

1. Dental Preferred Provider Organization (DPPO)
   This plan has a network of providers and typically has an annual deductible and coinsurance. Most in-network preventive dental care is covered at 100%. You may be required to pay a copay during your visit.
   
   
2. Dental Health Maintenance Organization (DHMO)
   DHMO plans usually cover preventive dental care, such as cleanings, exams, and X-rays, at 100%. However, the choice of dentists is usually limited to those within the plan's network, and non-preventive services, such as fillings or extractions, are typically subject to a fixed fee.
   
   
3. Dental Indemnity
   A Dental Indemnity plan gives you much freedom because you can choose which dentists you want, and there is no network. You'll pay for services out of your pocket until you meet the deductible. Then you and your dental plan will share costs for covered services.
   
   
4. Dental Exclusive Provider Organization (DEPO)
   A Dental Exclusive Provider Organization plan gives you options between seeing general dentists and specialists. With a DEPO plan, you must see dentists in the network to be covered. Out-of-network coverage may apply for some types of dental emergencies. DEPO plans usually have a deductible and a coinsurance.
   
   
5. Dental Point of Service (DPOS)
   A Dental Point of Service plan combines aspects of DHMOs and DPPOs. Like a DPPO, you are free to see dentists outside the network, but your costs will be lowest when you stay in-network. This freedom may mean you have a higher deductible, plan premium, and copay.

Get Your Dental Insurance Plan Now! 
A dental insurance plan is important for several reasons. Dental insurance can provide you peace of mind and financial security, knowing you have coverage for necessary dental care. Still, you should check the coverage and limitations of your dental insurance plan before getting dental care to understand your financial responsibility fully.

At Hyde Insurance Group, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (888) 345-1215 or  CLICK HERE to request a free quote. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!