![]() The dental insurance plan pays a percentage of the bill and the member is responsible for the rest of the balance. “These plans typically cover preventive and diagnostic services at no cost to the member.” “The benefits are richer if the member stays within the network,” says Chang. Staying in the provider network costs you less, but going to an out-of-network provider is allowed at a higher cost. PPO dental insurance plans have a network of dentists, but dental PPOs also offer the freedom to choose a non-network dentist. If you get dental care outside the HMO/EPO provider network, you must pick up all of the costs. They don’t require claim forms,” Chang says. “These plans provide services only through a panel of participating in-network dentists. But note that you must stay within the plan’s network. These dental plans can offer a wide variety of benefits, including diagnostic and preventive services at little to no cost and other services provided at a fixed copayment (which is the member’s responsibility). On HealthNetwork's Website What Types of Dental Insurance Plans are Available?ĭental insurance plans typically have provider networks, similar to health insurance plans.
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