Dental Benefits Overview
Understanding your dental benefits can improve your health and lower your out-of-pocket expenses.
Choosing a dental plan
Some considerations you should make before choosing between dental plans:
- Review your family's dental needs.
- Review coverages (e.g. deductible, co-pays, co-insurance, maximum, limitations and exclusions).
- Review your monthly contributions for the dental plan and your potential out-of-pocket expenses.
- Is your dentist a network provider? What is the impact to your out-of-pocket expenses for using non-network dentists? For more on the cost impact of using network or non-network dentists, see Financial Impact of Using PPO Dentists and PPO vs. non-PPO Dentists.
Types of dental benefit plans
The following chart compares Fee for Service versus Preferred Provider Organizations (PPO) and Dental Health Maintenance Organizations/Exclusive Provider Organizations (DHMO/EPO).
| ||Fee for Service||PPO||DHMO/EPO|
|Choice of Dentist||Any dentist||Any dentist||Network dentists only|
|Network of dentists||None||Large||Small|
|Dentist discounts fees||None||Yes||Yes|
|Dentists' credentials verified (Credentialing)||No||Yes||Yes|