Traditional indemnity plans allow the member to see any dentist without network constraints. However, there is the possibility of balanced billing to the member if the dentist chosen charges higher fees that the geographic norms. This is typically the most expensive dental option available.

PPO dental plans are designed with in and out of network capabilities. If an in-network dentist is chosen to perform services, the member can be guaranteed not to have any balanced billing. However, if a member chooses to venture outside the network, then there is a possibility of balanced billing depending on the fees that are being charged by the particular dentist. This option is typically less expensive than the traditional indemnity option.

Discounted dental plans are characterized by utilizing smaller networks of participating dentists. This option is often the least expensive of the three Group Dental Insurance options.

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