Dental plans are discount dental plans and are not insurance policies.  A typical dental plan will offer a discount for dental services. You pay a fee and get a card that entitles you to discounted services from the dentist that are providers of the plan.  A discount covers part of the cost, for example, if your discount is 60% and the dental work you need costs $600.00, you would only pay $240.00.

Dental insurance HMO, PPO and Indemnity will very in how they work but they are filed insurance products.  Depending on the plan type you choose you may have waiting periods, deductibles, maximum limitations or you may have to choose a provider with in the plan network. Please note our prior post about these types of plan and what they have to offer.