Dental maintenance is an important part of oral health and most Group Health Insurance Plans do not include dental care in their coverage.

Dental benefit plans are structured to ensure that the participant receives coverage for, preventative, basic, and major services. Patients are encouraged to get regular, routine care to prevent the onset of serious disease.

Dental plans can be configured in a variety of ways, including different coinsurance levels as well as varying annual maximums and deductibles.

Employers can choose from a variety of dental benefit plans for their employees, including:

Freedom-of-Choice Plan

Patients choose the dentist of their choice.

Preferred Provider Organization
 
A particular group of patients receives care from a defined panel of dentists. These dentists agree to charge less than the usual fees to this specific group providing savings for the plan purchaser. A patient who seeks care from a non-designated dentist may be required to pay a greater share of the fee for the service.

DMO
 
A particular group of patients receive care only from participating dentists. If a patient seeks care from a non-designated dentist, the fee for the service will not be covered by the insurance plan.