What is a PPO dental plan?
While you are shopping for dental insurance, there are terms that come up that you may not be familiar with. It is important to understand these unknown terms to make a well-informed decision of what will best fit for you and your needs.
One of these terms is PPO which stands for Preferred Provider Organization. With a PPO dental plan, there is a list of approved dentists that you may visit. This list of dentists has agreed to give discounted rates to your insurance company which lowers the cost of your insurance through them.
PPO dental plans typically come with a small deductible or no deductible at all. A good PPO plan will have the insurance company covering the bill for preventative treatment (like twice yearly dental cleanings) to hopefully encourage continual care of your teeth, leading to less major work to be done in the future.
The discounts are only applicable to the dentists on the list . If you visit a dentist that is not on the approved list, you will have to pay for that bill out of pocket. Dentists want to be on these lists as it promises more clients and business than if they were not. If you choose a more popular insurance plan, the number of dentists that you will be able to see will be extensive and the dentist you currently see may already be on the list.
Another reward of this type of plan is that you will not have to fill out paperwork on your dental plan when visiting the dentist. Just hand your insurance card over upon arrival at the dentist office and the office staff will take care of the rest.
In all, a PPO dental plan is a community of dentists who offer discounts for the same care to insurance providers to get those enrolled in the plan to receive the care they need for a better price.