Dental plans may cover teeth cleaning, fillings, crowns, partials, etc. Depending on the plan chosen by the company, the plan may also cover some of the cost of braces, surgery, and dentures.
- DPO - A Dental PPO Plan allows an employee to visit either in or out of network providers and still receive some benefits from the insurance company. To receive a better benefit, an employee will usually go "in network".
- DMO or DHMO - A Dental HMO Plan requires an employee and their family to select a primary care dentist (PCD). If they need to see a different dentist, the primary care dentist will must give a referral to another dentist. Participants are usually allowed to change PCDs during a plan year however, if t hey go out of network or visit a dentist without a referral, an HMO traditionally will not pay anything towards the bill.
- Traditional Dental - This dental plan allows you to see any dentist you wish without discounts or networks to follow. You usually pay a deductible first, then the plan will pay a percentage and you pay the rest.