What Are the Types of Dental Insurance Plans, and What Are Their Differences 

Choosing the right dental insurance plan is an important step for individuals and families in California who want to protect their oral health and manage dental care costs. At True Grown Insurance Services , LLC, we understand that navigating the different types of dental insurance can feel overwhelming. Our team is here to help you understand your options and select coverage that fits your needs and budget.

Understanding the Main Types of Dental Insurance Plans

Dental Preferred Provider Organization (PPO) Plans
PPO dental plans are among the most popular options in California. With a PPO, you have the flexibility to visit any licensed dentist, but you’ll save more when you choose a provider within the plan’s network. These plans typically cover a percentage of your dental costs after you meet your deductible, and you may have an annual maximum benefit.

Dental Health Maintenance Organization (HMO) Plans
HMO dental plans, also known as DHMO plans, require you to select a primary dentist from a network. You’ll need referrals for specialist care, and services are usually provided at set copay amounts. While these plans often have lower monthly premiums and no deductibles, your choice of dentists is more limited compared to PPO plans.

Indemnity Dental Plans
Indemnity plans, sometimes called “fee-for-service” plans, offer the most freedom to choose any dentist. The plan pays a set portion of your dental costs, and you are responsible for the remainder. These plans may have higher out-of-pocket costs and require you to pay upfront and file claims for reimbursement.

How Our Team Can Help

Our team at True Grown Insurance Services , LLC is dedicated to helping California residents compare dental insurance options and find the right plan for their needs. We’ll walk you through the differences, answer your questions, and help you feel confident in your coverage decision.

Contact us today for more information or a personalized quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.