Health and Life Insurance

Answer: A - The type of dental insurance coverage that offers dental care from a network of dental care providers in exchange for some type of prepayment from the insured is knows as a dental HMO. Similar to health care HMOs, insureds who are part of a dental HMO will be required to use the services of dentists who are in-network. If they wish to use a dental provider from out-of-network, they will typically be required to pay for services out-of-pocket.