Dental

Find the dental plan that's right for you 

From cleanings to braces, dental plans help you and your family to control the costs of dental care.

There are three basic types of dental insurance. You can compare them here.  (Your options will depend on whether you're buying direct or being covered by an employer.) 

A Dental Maintenance Organization (DMO^®)* is most often a lower-cost insurance plan. You choose a primary care dentist. If you need to see a specialist, your primary care dentist gives you a referral. If your plan covers orthodontia, you do not need a referral to see a DMO orthodontist. You get peace of mind with no deductibles or annual maximums.

If you want more options when you choose dentists, a Preferred Provider Organization (PPO)** or participating dental network (PDN) may be for you. With these plans, you can visit any dentist you want. You never need a referral. But costs usually are lower if you choose a dentist who is part of the PPO or PDN. Deductibles and annual maximums may apply.

A dental indemnity plan gives you free choice of any dentist you want. There may be deductibles and annual maximums with these plans, too.

Learn about the dental-medical connection.

Get the facts on how we cover orthodontics, oral surgery and more. 

Use our tools to track a dental claim.

Find a dentist near your home or workplace.

Visit Simple Steps To Better Dental Health^® for articles and information about keeping your smile healthy. Watch a video about how to brush and floss. Read about children's dental care or banishing bad breath.

* In Illinois, DMO plans provide limited out-of-network benefits. However, in order to receive maximum benefits, members must select and have care coordinated by a participating primary care dentist. Illinois DMO is not an HMO.

** In Texas the Preferred Provider Organization (PPO) plan is know as the Participating Dental Network (PDN).