Dental insurance can be confusing, but the right plan can make a big difference in how much you spend. PPO and HMO plans both have their pros and cons, with differences in cost, flexibility, and which dentists you can see. If your family qualifies for Medicaid, kids are usually covered for dental care at no cost, while adult benefits tend to be limited. Traditional Medicare does not include dental coverage, but many Medicare Advantage plans do, which can help seniors save money on major procedures. Taking time to compare your options can go a long way toward lowering costs and making sure you get the care you need.