three styles of dental plans include Dental Maintenance Organization
(DMO), Preferred Provider Organization (PPO) and Indemnity plans.
style of dental plan offers a very limited selection of dentists.
You select a dentist from a list and obtain all of your dental
requirements through this dentist. The DMO style dental plan offers
the lowest premiums.
The PPO dental plan offers a greater selection of dentists than
the DMO plan. The plans generally have a two-tier structure. Tier
one or in-network provides you with the highest benefits. You
can use tier two or out-of-network benefits, but you will generally
pay more dollars out of pocket for the services. The premiums
for the PPO plans are higher than the DMO and lower than the indemnity
The indemnity plan offers you the greatest flexibility and allows
you to see any licensed dentist. The indemnity plan premium is
generally higher than the PPO plans.
Most PPO and Indemnity plans will offer the following choices:
year maximum per person $1,000, $1,500 or $2,000
year deductible $25, $50 or $75
depends on group size