Group dental insurance offers a wide range of benefits and a corresponding range of costs.  The least expensive is the Dental HMO with a narrow network but on the positive side there is almost no cost other than the monthly premium.  Generally, dental insurance providers will have two or three options with PPO; limited network, full network and full network with coverage that includes dental implants, orthodontics and a high annual maximum coverage.  Most plans will allow a “rollover” of unused maximum coverage into the following year.  While this is a nice feature the goal of the provider is to retain the business since the unused funding would be lost if the group selected another carrier.,