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One of the main draws of a PPO Dental Plan is its flexibility. Like an HMO plan, a Preferred Provider Organization (PPO) utilizes a prescribed network of providers. Where it differs is in its latitude. PPO networks tend to be more extensive, giving you far more options to find a dental care specialist you like.
All dental providers in a PPO network are contractually obligated to set prices at an agreed-upon rate. But, in addition to coinsurance costs, you will be responsible for paying an annual deductible. While the deductible tends to be a flat rate, the coinsurance varies from policy to policy and from procedure to procedure.
Some PPO policies will sanction out-of-network treatment for specialized cases. Of course, you will have to pay a significantly higher coinsurance rate, but it is a possibility.
To learn more about PPO dental plans – their costs and coverages – feel free to speak to one of our dedicated agents today.
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