You have a PPO dental plan (Preferred Provider Organization). This means you have two options in your selection of dentists. If you choose an in-network dentist, it means your dental plan has negotiated discounted fees with the dentist to save you money. If you choose an out-of-network dentist, your out-of-pocket costs may be higher both in terms of what the dentist charges for services and what the dental plan pays for coverage. The next pages are key features for you to review to determine your PPO dental coverage.