Trying to understand dental insurance coverages and how the different plans work
Trying to understand dental insurance coverages and how the different plans work. Hello I am 21 living in Texas and I have to get my own dental insurance plan since it is not offer to me at my job. I been trying to find an personal dental insurance plan to get online but it is all confusing to me.
The truth is I never had to worry about insurance because I either had it with my parents or my job. So all the insurance lingo is going over my head.
Such as what is the difference between a PPO dental plan and an HMO dental plan? HMO dental plan look more affordable with less limits but am I might be missing the pros of getting a PPO dental plan.  Also many website I go to thinking I am reviewing dental insurance then state that it not insurance but a dental plan. What the different from insurance and a dental plan?
Also what is a deductible do I have to pay that in full along with my premium for the plan?
What is major dental care and why are there waiting periods for it? Sorry I just not sure what I should be looking for. Any advise or suggestions would be good thanks.