There are many different dental plans in today's market place. The main types are PPO, DMHO and Discount. Each offer advantages and disadvantages. You will need to decide which of the advantages work best for you. I will offer a brief explanation of the plans and some of the pros and cons of each.
PPO dental plans function very similar to PPO health plans. These will have an annual deductible, an annual maximum, benefit percentage for each of the three levels (preventive, basic and major) and a network of doctors. Some plans will offer orthodontics coverage. The advantages of these plans are in-network discounts, out-of-network coverage and a higher benefit level for preventative services. The disadvantages are meeting a new deductible each year, being subject to a possible waiting period for major coverage, being limited by an annual maximum and they can be expensive.
DMHO plans are similar to the … Read More