A number of different types of dental insurance plans are available through employer-sponsored plans or for purchase by individuals or families. Typically, these insurance options cover part or all of basic dental care services while offering coinsurance for more extensive procedures. Some offer a higher level of coverage for in-network care, while others allow members to obtain services from any dentist.
Dental HMOs cover visits to in-network service providers, but typically provide greatly reduced or no benefits for out-of-network care. PPOs allow out-of-network services, but pay a greater percentage for in-network care; both HMOs and PPOs generally provide preventive and diagnostic care at little or no cost to their members. Dental discount plans are also available; while these are not actual insurance, they can provide significant savings on the cost of procedures performed by participating dentists.