Dental Insurance
Dental insurance plans generally fall into three categories: Dental Preferred Provider Organization (PPO), Dental Health Maintenance Organization (DHMO), and discount or referral plans. PPO plans offer more flexibility in choosing your dentist, but often come with higher premiums and out-of-pocket costs. DHMO plans usually have lower premiums but require you to select a primary care dentist and get referrals for specialists. Discount plans are not insurance but offer reduced rates for dental services.