Dental Plans
Dental Insurance
There two types of individual or family dental insurance: HMO dental plans and PPO dental plans. HMO dental plans require that you choose one dentist or dental group to handle all of your dental care needs. PPO dental plans allow you to use any dentist but offer savings if network dentists are used. HMO generally offer more comprehensive coverage for the premium dollar. PPO plans offer the ability to use your own dentist. Both plans require a waiting period of 6 months or more for major work. So if you need a crown or root canal right now, these plans won't help.

