The three main types of dental plans are traditional dental insurance, dental discount plans, and dental health maintenance organizations (HMOs).
Traditional dental insurance plans typically cover 50-80% of the cost of preventive and basic dental care, and 50% of the cost of major dental procedures. However, they often have annual limits on the amount they will pay out, and they may not cover the cost of certain types of procedures, such as orthodontics.
Dental discount plans are not insurance policies, but they can help you save money on dental care. These plans typically have a network of dentists that you can see at a discounted rate.
Dental HMOs are a type of managed care plan. With this type of plan, you must choose a primary care dentist from the HMO's network. You will typically pay a lower monthly premium for an HMO dental plan than you would for a traditional dental insurance policy.