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PPO
Fewer Limitations: Not required to visit in-network dentists but PPO in-network dentists will have lowest out-of-pocket costs.
HMO
Very Limited: Choose one dentist or facility. Out-of-network procedures will not be covered.
Fee-for-Service
Fewer Limitations: Large choice of dentists.
Discount Plans
No Limitations on network.
Copayment: Pay a copayment for procedures. Require you to reach a deductible to have a maximu.
Coinsurance: No deductibles or maximums. You pay a copayment for certain procedures. Some products may have zero-out-of-pocket costs.
Copayment + Fee: Pay a copayment for procedures. Additional fee for the dentist since they are not reimbursed.
Discounted Fee: Reduced fee-for-service is completely out-of-pocket. No deductible or maximum.
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