Dental Treatment Guide
Insurance & Financing
Understand plan structures, coverage limits, and payment options—then estimate realistic out-of-pocket costs.
Insurance & financing navigation
Your out-of-pocket cost depends on plan structure (PPO vs HMO), annual maximums, waiting periods, and the negotiated fee schedule.
₿
PPO vs HMO
Network freedom vs lower premiums. See real-world scenarios for routine care vs major treatment.
Open PPO vs HMO guide →✓
Orthodontic coverage basics
Common lifetime maximums and how orthodontic benefits pay out over time.
See Invisalign insurance section →⟠
Financing options
In-office payment plans, third-party healthcare financing, and HSA/FSA basics.
Explore financing section →
Practical tip: If you’re comparing quotes, ask for the plan’s “allowed amount” and whether your dentist is in-network—those two numbers change the math.