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Trying to understand dental insurance coverages and how the different plans work

Tuesday, Feb. 15th 2011 7:24 AM

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.

Posted by Mimmie | in Personal Dental Insurance | No Comments »

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