Dental HMO plans are popular with families who want a low monthly premium, and their general dentist participates in the network. There is typically a fixed amount (copay) for covered services, with some $0 copay preventive benefits. Most plans do not have waiting periods for major services and do not have annual caps on coverage; however, most plans will also not provide reimbursement if the insured sees a dentist that is out of network.
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