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4 Things You Can Expect with a Dental PPO

Wondering what you'll have to deal with if you sign up for a dental PPO? Here's what you can expect:

  • Traditional insurance stuff

    When it comes to insurance for dental services and procedures, it doesn't get any more traditional than a dental PPO plan. These plans come with all of the "stereotypical" insurance things -- like premium payments that you have to pay every month, copays for certain services, and deductibles that you have to meet before your full benefits kick in.

    As more and more non-traditional dental plan options have come out, PPOs have become the vanilla ice cream of the insurance world. If you're looking for something that's more mint chocolate chip, you'll have to look at other alternatives.

  • Fewer rules than other plans

    Sometimes, opting for the mint chocolate chip dental plan means having to put up with all kinds of rules -- like footing your dental bills yourself and getting reimbursed by your insurance company later, or having to get special authorization and referrals whenever you want to see a specialist.

    If following a bunch of dental plan rules really isn't your thing, you'll be happy to know that a dental PPO comes with very few of them. Compared to other insurance for dental services, a PPO pretty much gives you the freedom to do what you want. You'll never find yourself calling your insurance company to get permission for something.

  • A list of approved providers

    The only big rule you'll have to follow on a dental PPO is the approved provider list. Unlike some of the other, newer dental insurance policies, a PPO dental health insurance plan comes with a list of dentists and specialists that have been pre-approved by your insurance company. If you want to take full advantage of your benefits, you'll have to visit someone on the list. If you go to someone who's not on the list, you might wind up footing your dental bills yourself.

    The good thing is, though, that you can pick from anyone on the list. Plus, the good dental PPO plans will come with long lists, so you'll have plenty of options to choose from.

  • Great savings

    A PPO offers better rates than other insurance for dental services -- due, in large part, to that list! Since the dentists on it have to give your insurance company discounts, they can pass their savings onto you. That means getting lower premiums, smaller deductibles, and fewer copays.

You can get the perfect dental PPO at!