Dental insurance plans can be a good option if they are available in your region. Usually dental insurances have waiting periods, which differs according to each treatment/service, and it has an annual limit of coverage.

By making monthly or annual payments. You can purchase a dental plan at any time of the year.

The coverage will depend on the purchased plan. There is basically two types of dental insurance: HMO and PPO.

Dental HMO (health maintenance organization) do not have deductibles or coinsurances to be paid at the time of the visit and you can only visit providers in network with the plan. Instead, they offer fixed prices to each service and a copayment is charged on the day of your visit.

With Dental PPO (preferred provider organization) there is a fee (coinsurance and deductible) to be paid at the time of the visit and the remainder is covered by your insurance according to each plan’s conditions.

Dental PPO plans are the best option if you wish to get more coverage with lower prices. However, the monthly or annual premiums are usually higher.