HMO’s dental insurance plans suggests dentist that is working with them. This means that you cannot go to your dentist (unless they are a plan provider of that plan)  and you will have to pick the one from their list, you have to choose dentist that has contract with your dental plan company, in order for your plan benefits to be valid.

Most PPO’s plans allow individuals to stay with their current dentists. Dentists that have contract with dental insurance companies are considered as In-Network Dentists, otherwise they are called Out of Network Dentists. Note: Sometimes out of network dentist will have reduce benefits/coverage’s.