Few limitations: Not required to visit in-network dentists but out-of-network dentists will have higher out-of-pocket costs than in-network. Sometimes long waiting periods can apply.
Copayments: You just pay copayments for procedures. Require you to reach a deductible and have annual plan maximums.
HMO or Prepaid Plans
Limited: Choose one dentist or facility. Out of network procedures will not be covered at all. Referrals needed to specialist dental care. Usually short or no waiting periods
Coinsurance: No deductibles or plan maximums. You pay copayments for each dental procedure. Some procedures have very low or no out-of-pocket costs.
Fee-for-Service
Fewer Limitations: Go to virtually any dentist you want to. Sometimes low or no waiting periods.
Pay copayments, or reimbursement can be made directly to dentist or to you for dental bills you paid as a cash pay patient.
Dental Discount Plans / Dental Savings Plans
Dentist must participate in the dental discount service. No waiting periods to receive discounts.
Discounted Fee: Reduced fees are pre-negotiated , and are completely out-of-pocket on cash pay basis. No deductible or maximum.
