Use our Provider Search Page to check before you choose a plan. Staying in-network saves you money.

Some plans only cover in-network providers, while others allow out-of-network coverage at a reduced rate.
Look for:
• "In-Network vs Out-of-Network" section (often near the top chart)
• "Network / Reimbursement Schedule"
• Terms like MAC, R&C, or No Coverage

Tip:
If your dentist is not in the network, look for plans that reimburse using MAC (Maximum Allowable Charge) or R&C (Reasonable & Customary)—these allow some out-of-network flexibility.

• "Dependent Coverage" in the orthodontics or preventive sections
• Age limits listed under fluoride, sealants, or orthodontics
• “Type 4 – Orthodontics” section

Tip:
Most plans cover sealants and fluoride only up to age 16, and orthodontics for children 7–18.

Orthodontic coverage isn’t always included—and often has strict limits.
Look for:
• "Type 4 – Orthodontics"
• “Discount Only,” “No Coverage,” or specific coinsurance (%)

Tip:
Some plans cover orthodontics for children only, and only in-network. Adult orthodontics is often listed as “Discount Only” or not covered.

These fall under Type 3 – Major services and can be expensive.
Look for:
• "Type 3 – Major" coverage percentages
• Frequency limitations (e.g., “1 every 5 years per tooth”)
• Implant and anesthesia coverage

Tip:
Major services are usually covered at 40%–50% in PPOs, but copay plans often use fixed fees listed in a separate schedule.

Copay or DHMO plans offer set fees instead of percentages.
Look for:
• “See Co-Pay Schedule” or “Fee Schedule” under most categories
• No coinsurance percentages
• In-network only benefits

Tip:
If it says “See Co-Pay Schedule” in most sections and shows $0 deductibles, it’s a copay-style plan. These are good if you prefer cost certainty.

All plans include preventive care, but the cost and network rules may vary.
Look for:
• "Type 1 – Preventive"
• Coverage level (typically 100%)
• “In-Network” column vs “Out-of-Network” coverage

Tip:
Preventive services are almost always free in-network, but out-of-network coverage may be limited or not covered at all on some plans.

Plans with wider provider access usually come with higher premiums.
Look for:
• Monthly rates (Employee / Two-Party / Family)
• Out-of-Network reimbursement details
• “MAC” or “R&C” language

Tip:
Compare premiums shown at the bottom of the summary with flexibility offered in the coverage chart. PPO plans often cost more but let you see more dentists.