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Compare dental insurance coverages online and decide which one is right for you and your family.

There is a difference between dental indemnity insurance plans and a HMO, PPO, or DHMO. The important benefit is the option to choose your own dentist without having to use a network facility. Thus, the personal or true dental insurance plan pays the dental office on a traditional fee-for-service basis. A monthly premium is paid by the client or the employer to an insurance company, which then reimburses the dental service provider for the dental procedures rendered.

A dental insurance company usually pays between 50% - 80% of the dental benefits, services, or fees for covered procedures; the remaining 20% - 50% is paid by you - the client. In addition these dental plans often have a pre-determined or set deductible amount which varies from plan to plan. These are very affordable monthly dental indemnity plans which also can limit the amount of services covered within a given year and pay the dentist based on a variety of fee schedules.