Dental Plans are usually either a traditional Dental Indemnity plan, Dental Preferred Provider Option (PPO) plan or a Dental Maintenance Organization (DMO).

Under the indemnity plan you are completely free to seek covered services from any dentist. You make your own payment arrangements, and submit a claim to the insurance company. Once the covered expenses in any year exceed a specific deductible, you will be reimbursed for subsequent covered expenses, less any co-insurance.
In a Dental PPO, the freedom of choice is still yours to seek treatment from any dentist, but your out-of-pocket expenses are less when using one of the dentists in the network. When using a network provider:

• With a DMO, generally care must be received from a participating provider to be covered.
• You may be charged the co-pay for preventive services such as regular check-ups and cleanings.
• Your annual deductible or your co-insurance percentage (or both) will be lower for network than out-of-network providers.
• Network providers discount their charges to PPO participants
• The paperwork and expense outlay may be reduced, network providers file a claim with the carrier and bill you for the portion of charges not paid

Vision Plans are quite simple. You receive quick, direct access to vision care when you visit a participating doctor, there typically is no or very little preliminary paperwork.