[4] With indemnity dental plans, the insurance company generally pays the dentist a percentage of the cost of services.
Restrictions may include the co-payment requirements, waiting period, stated deductible, annual limitations, graduated percentage scales based on the type of procedure, and the length of time that the policy has been owned.
Dental Health Maintenance Organization plans entail dentists contracting with a dental insurance company that dentists agree to accept an insurance fee schedule and give their customers a reduced cost for services as an In-Network Provider.
Participating Provider Network plan may work similar to a DHMO while using an In-Network facility.
Procedures such as periodontics, endodontics, and oral surgery may be considered major, depending on the policy.