Dental plans are available to individuals and to groups. DHMO plans have the most affordable premiums, affordable copays for care, and few limits on the amount of care you can get each year. You have a reduced network of providers.
PPO and indemnity plans have higher premiums, require you to share costs, and limit the annual amount of dental expense the insurer will pay each year. But, you get access to many more dental offices than in an HMO.
Business Choice Insurance Services can help you sort through your options.