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Dental Insurance
Prefered Provider Organization

Another true insurance plan, a PPO falls somewhere between an indemnity plan and a dental HMO. A group of dentists agrees to provide services at a deeply discounted rate, giving you substantial savings - as long as you stay in their network. Unlike the more restrictive DHMO, though, you can go out of network and still receive some benefits. Some typical features of these plans:

  • Monthly premiums

  • Annual dollar cap
  • You must stay within the approved network of dentists or pay higher deductibles and co-payments
  • Your average monthly cost: $20
  • Companies selling these plans are regulated by state insurance departments.

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