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Live Example

Program Features	Preferred Provider Organization (PPO)	Dental Health Maintenance Organization (HMO)/Managed Care	Preferred Provider Organization (PPO)
Eligibility	Available to individuals and their family members nationwide	Will only be available to residents of CA, FL, NY and TX.	Available to individuals and their family members nationwide
Specialty Care	No referral needed for specialty care. You may choose any specialty dentist (in- or out-of-network) and call them to make an appointment	If your selected participating dentist determines that you need the services of a specialty care provider, you may call a participating specialist directly.	No referral needed for specialty care. You may choose any specialty dentist (in- or out-of-network) and call them to make an appointment
Traveling within the U.S.	You have access to one of the largest network of dentists in the U.S. You have the flexibility to visit any dentist, in- or out-of-network.	Dental HMO/Managed Care programs are based on the use of defined networks; general dental care is not accessible while traveling.The only exception is an emergency situation when you are unable to receive care from your selected participating dentist. Please refer to the Schedule of Benefits for more details.	You have access to one of the largest network of dentists in the U.S. You have the flexibility to visit any dentist, in- or out-of-network.
Network Discount	All participating dentists have agreed to accept negotiated fees as payment in full for covered services. These fees typically range from 30% - 45% less than the average charges in the same community.	You have access to hundreds of dental services at costs that may be considerably lower than your cost would be without this program. You are responsible for the copayment or coinsurance for each covered service that is listed on your Schedule of Benefits, so you know what your out-of-pocket costs will be up front.	All participating dentists have agreed to accept negotiated fees as payment in full for covered services. These fees typically range from 30% - 45% less than the average charges in the same community.
PDF	Broad network of participating dentists to choose from. Pre-select a dentist at time of enrollment. Hundreds of services/procedures provided at costs that may be lower than typical dental fees. Broad network of participating dentists to choose from.	Broad network of participating dentists to choose from. Pre-select a dentist at time of enrollment. Hundreds of services/procedures provided at costs that may be lower than typical dental fees. Broad network of participating dentists to choose from.	Broad network of participating dentists to choose from. Pre-select a dentist at time of enrollment. Hundreds of services/procedures provided at costs that may be lower than typical dental fees. Broad network of participating dentists to choose from.
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