Indemnity/PPO Plans vs. Prepaid Plans

Indemnity / PPO Plans vs. Prepaid Dental Plans
	Indemnity / PPO plans	Prepaid plans
Key Feature	Allow freedom of provider choice Higher out-of-pocket expenses	Lower out-of-pocket expenses Specified dental provider groups
What carriers are offered?	Delta Dental of Arizona	Total Dental Administrators
May I use the services of any licensed dentist?	Yes (A listing of Preferred Providers can be obtained from member services or on the provider's website, and benefits will be higher when one of these dentists is used.)	No (Participants must pre-select a dentist from in-network providers.)
May I access services if I live outside of Arizona?	Yes	No
Will claim forms be required?	Yes	No
Will I be required to pay annual out-of-pocket deductibles?	Yes (Does not apply to allowable routine preventative care)	No
How will I be charged for services?	Participant is responsible for percentage of fees not covered by carrier	Participant is responsible for pre-established co-payments
How many preventative cleaning exams are covered?	Two per plan year	One per 6-month period
Are there annual limits for the benefits I may receive?	Yes	No

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