Secret Savings Seniors Get from Dental Insurance Plans

Types of Dental Insurance Plans

Seniors typically have access to several types of dental insurance plans, each offering different levels of coverage and benefits:

• Preferred Provider Organization (PPO) Plans: These plans offer a network of dentists who provide services at reduced rates. Seniors can choose any dentist, but will save more by staying within the network.
• Health Maintenance Organization (HMO) Plans: These plans require seniors to choose a primary care dentist and offer lower premiums. However, they limit coverage to a network of providers.
• Indemnity Plans: Offering the most flexibility, these plans allow seniors to visit any dentist but usually come with higher premiums and deductibles.