California Dental Insurance, Three distinct dental insurance plans types
When shopping for dental insurance there are three different plan types. Here is a brief review of the three plan types available.
1) The HMO: Dental HMO are normally the more affordable dental insurance plan option. However, with an HMO you do need to choose a dentist within the plan network of providers and it important to understand there is no benefits/coverage if you go to a dentist not accepting the plan or is other out of the plan network.
2) The PPO: Dental PPO insurance plans can tend to be more costly then the HMO plans but they normally will have a broader range of plan network providers. In additions dental PPO plan will normally provide coverages to out of network dentist though sometimes at a reduce coverages. These types of plans may also come with waiting periods and yearly maximum dollar limitation that you need to be aware of.
3) The Indemnity Plan: An indemnity dental insurance plan in many ways is like your PPO dental insurance plan with similar limitations. However this types of dental insurance plans will normally not have a network of dental providers as they provide you a free choice of dentist. Meaning you can pick your own dentist without worry if they are a plan provider or not.