Shopping for individual and family dental insurance can seem like a never-ending array of new terms and abbreviations. One of the most common is PPO - or "Preferred Provider Organization". A dental PPO can actually be the best dental insurance out there, so if you haven't taken a look at one, you should!
Here's why:
Whether you need family dental insurance or just a small individual plan, there are PPO options that can help. That way, whether you're shopping for 1 or for 10, you can take advantage of all the perks that come with a dental PPO!
A dental PPO might be the best dental insurance out there because it offers such big savings.
When you sign up for a dental PPO, your insurance company gives you a list of approved providers. As long as you go to a dentist on the list, you have full access to your benefits. If you go to a dentist that's not on the list, you may wind up paying some or all of the bills yourself.
Why are insurance companies so focused on the list?
In order to get on the list, dentists have to give insurance companies discounts. So, your insurance company is actually saving money when you get that routine cleaning, root canal, or cavity filled. Since they're saving money, they can pass the savings onto you - in the form of lower premium payments, lower deductibles, and fewer copays. It's a win-win!
Since there is so much emphasis placed on the approved provider list, good insurance companies will give you plenty of dentists to choose from. If you live in a big city, you might have hundreds of dentists to choose from! That way, you can rest easy knowing that you're going to find one you like, and that it won't take forever to get an appointment
Let's face it - the best dental insurance is the plan that comes with the fewest hassles. Luckily, you won't get hassled at all under a dental PPO! That's because, unlike other plans, PPO's don't require any kind of authorization. You can make an appointment with your dentist without getting your insurance company's approval. Or, if you want to see a specialist, you can make an appointment without having to get a referral from your general dentist.