PPO-DENTAL-INSURANCE... If You Don't Mind Paying Twice For "Freedom To Choose" Your Dentist
PPO-Dental-Insurance plans or PPOs (preferred provider organizations)... compared to hmo-dental-insurance plans or DHMO's (dental health maintenance organizations)...
PPOs offer you more flexibility than DHMOs when it comes to choosing an out of network primary dentist and/or specialist.
PPOs Premiums Are Much Higher Than DHMO's
PPO-Dental-Insurance plans although more expensive than their DHMO sister... have become more popular (with employees)than DHMOs
PPOs have become more popular, primarily because of their flexibility or "freedom to choose" option. The option to choose a dentist outside of network.
PPOs And DHMOs Are Both Managed Care Plans
Both have a network of pre-approved dentists under contract to them... the dental insurance carrier, which is the PPO or DHMO.
If you don't stay within their pre-approved network of dentists... both penalize you.
DHMOs will outright refuse to pay or reimburse you for treatment, when you see a dentist outside of network.
PPOs on the other hand... will pay or reimburse you for treatment when you see a dentist out of network, but...
Here's where it get's really interesting with PPOs...
PPO-Dental-Insurance Members Are Charged Twice
Members are charge twice... for the "freedom to choose"... or the flexibility option to choose a dentist out of network.
To be more specific...
Members of PPO are penalized... or charged an additional fee for exercising an option they've already paid for!
"It All Sounds Contradictory To Me..."
Members being penalized or paying twice for the same option... the "freedom to choose" option.
What do you call it?
Anyway, besides PPOs higher premiums, and their flexibility option... PPOs and DHMOs are pretty much the same in every other major aspect.
Co-pays are due at time of service. Co-pays vary according to cost of procedure.
In other words... higher deductible and co-pays when you go out of network.
PPO-Dental-Insurance Plans Have Annual Dollar Maximums
The maximum annual or yearly dollar amount they'll pay towards dental treatment, for you or your family.
Annual dollar maximums for PPOs are around $1,500.
PPO Plans Have Visitation Maximums, Too
PPO-dental-insurance plans place annual limits on the number of visits members can make to their dentists.
**Note; we don't have time to go into it now, but I thought I mention... PPOs are notorious for their tedious claim forms.
That pretty much wraps it up for PPO-Dental-Insurance plans.
PPOs charge you... in the form of higher premiums (more than what DHMO manage care plans charge you)... for the "freedom to choose" an out of network dentist.
That's why I prefer Discount Dental Plans...
With The Discount Dental-Plan I Recommend...
You automatically have the "freedom to choose" your own primary dentist... from an extremely large pool of dentists... 4 out of 5 dentists have discount dental-plans.
And you can choose your own specialist from a very large pool of specialist, too.
There's a good chance the dentist you want as your primary is already in their network.
And if he or she isn't, it's a very simple process to get her to register as a network dentist, with this leading healthcare membership organization.
Savings Or Coverage On Any And All Dental Work
As a member of this discount dental program, your deep discounts on Any and All dental work... remains the same... all the time... for all members.
I strongly encourage you to go to their website and see first hand what they have to offer you.
**Note; discount plans don't require time consuming claim forms.
More behind the scene info about any of the other 4 major types of dental insurance plans... simply click on corresponding like below:
Dental Insurance Guide
Take care and...
16 Myrtle Ave - Albany, NY 12202