Knowing your options will help you make a more informed decision on your dental health care plan. At ShareofCost.com, we provide over 50 dental insurance plan options for your view so you can best pick the plan that will fit you and or your family’s needs. When choosing the right dental insurance plan for you and or your family, it is helpful to know the different plan types available.

What is a Dental HMO Insurance Plan? A Dental HMO Insurance plan is a type of dental insurance in which you must choose a primary care dentist who will provide most of your dental care. You can only see specialists if your primary care dentist refers you to them. Dental HMO plans typically have lower out-of-pocket costs than other dental insurance plans, but they also have less flexibility regarding which dentists you can see.

What is a Dental PPO Insurance Plan? A Dental PPO Insurance plan is a type of dental insurance that allows you to see any dentist you want, even if they are outside of the plan’s network. However, you typically pay less if you see a dentist within the plan’s network. Dental PPO plans tend to have higher out-of-pocket costs than Dental HMO plans, but they also offer more flexibility when choosing a dentist.

What is a Dental Indemnity Insurance Plan? A Dental Indemnity Insurance plan is a type of dental insurance that allows you to see any dentist you want without any limitations or restrictions on which dentists you can see. You will typically pay a percentage of the cost of your dental care, and the insurance company will pay the remaining percentage. Dental Indemnity plans tend to have higher out-of-pocket costs than other dental insurance plans, but they also offer the most flexibility when choosing a dentist.

For anyone who wants to address a spend-down to eliminate their share of cost, we at ShareOfCost.com have a broad range of dental insurance plans which help us meet your spend-down requirements. Just call our office, and we will go over the options available. Our member service line is at 310-534-3444, and we will be happy to assist you in buying the best dental plan for your needs.