The deductible may be an annual or lifetime amount that you must pay for dental care before the plan begins to kick in money.Īnnual dental insurance deductibles are typically less than $100. Here are four types of out-of-pocket dental insurance costs. A comprehensive plan generally covers basic and major dental care, while a preventive care plan only pays for cleanings and similar care.ĭental insurance also has out-of-pocket costs when you receive care. The average cost of dental insurance is $47 a month for comprehensive dental insurance and $26 a month for a preventive care plan. You pay all the costs without help from an insurance company, but you fork over less money for dental care at providers that accept the dental discount plan than if you didn’t have a discount plan. These plans pay a percentage of the service and you pick up the rest of the costs.Ī fourth option is a discount plan, which isn’t dental insurance but offers reduced fees at participating dentists. Fee-for-service plansįee-for-service dental insurance plans, also called indemnity plans, don’t have provider networks and they let you see any dentist. Your insurance likely won’t cover it if you go outside of the provider network. Dental health maintenance organization (DHMO)Ī DHMO requires you to stay within the plan’s provider network to get help paying for that dental care. Dental preferred provider organization (DPPO)Ī DPPO is a plan with a provider network, but you’re able to get care outside of the dental network at a higher cost. Three types of dental insurance plans are: dental preferred provider organization (DPPO), dental health maintenance organization (DHMO) and fee-for-service plans.

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