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Types of Dental Insurance Plans

There are several types of dental insurance plans available, each catering to different needs and preferences:

• Preferred Provider Organizations (PPOs): These plans offer a network of dentists who agree to provide services at reduced rates. Although you can see out-of-network providers, staying within the network usually results in lower costs.
• Health Maintenance Organizations (HMOs): HMOs require you to choose a primary dentist and get referrals for specialist care. They often have lower premiums and no deductibles, making them an affordable option.
• Indemnity Plans: Also known as fee-for-service plans, these offer the most flexibility, allowing you to visit any dentist. However, they typically come with higher premiums and deductibles.