DENTAL

 
The three styles of dental plans include Dental Maintenance Organization (DMO), Preferred Provider Organization (PPO) and Indemnity plans.

• DMO
  This style of dental plan offers a very limited selection of dentists. You select a dentist from a list and obtain all of your dental requirements through this dentist. The DMO style dental plan offers the lowest premiums.
   
• PPO
  The PPO dental plan offers a greater selection of dentists than the DMO plan. The plans generally have a two-tier structure. Tier one or in-network provides you with the highest benefits. You can use the tier two or out-of-network benefits, but you will generally pay more dollars out of pocket for the services. The premiums for the PPO plans are higher than the DMO and lower than the indemnity plans.
   
• Indemnity
  The indemnity plan offers you the greatest flexibility and allows you to see any licensed dentist. The indemnity plan premium is generally higher than the PPO plans.