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Top PPO Dental Insurance Questions

If you are shopping for a dental health plan, you will see that Preferred Provider Organization (PPO) plans are an exceedingly popular choice.

To find out why, you need to know exactly how a dental PPO plan helps you. Here are answers to the 5 most frequent questions:

What kind of coverage do I get with a dental PPO?

A dental PPO is just like any other dental health plan; the coverage you have depends on your specific policy. There are plans with higher deductibles, plans that supply free routine care, plans with exceptionally low monthly premiums, and plans with no waiting periods. To get a PPO dental plan that best suits your needs, you are going to have to do a little comparison shopping.

Do I need to visit a specific dentist?


That is one of the key features of a dental PPO. No matter what kind of PPO plan you have, you will get a list of approved providers - from basic dentists to specialists. If you go to a provider on the list, you will get the full benefit of your dental health plan. If you go to a provider that is not on the list, you could end up paying the bill yourself.

Different PPO plans have different lists. Before you sign on the dotted line, it is important to make sure that your plan comes with a lengthy list of providers. Otherwise, you may wind up having to see a dentist you do not like.

Why is there a list in the first place?

The approved provider list is what makes a PPO dental plan affordable! To be on the list, dentists must agree to charge a lower rate. Since your insurance company is saving money on your services and procedures, they can pass those savings onto you.

Do I need pre-authorization before I make an appointment?

Not with a dental PPO. Unlike a dental HMO (Health Maintenance Organization) plan, you can make appointments with dentists and specialists anytime you want. You will never need to call your insurance company for authorization first, nor will you need to get a referral from your primary dentist to see a specialist.

Can my entire family sign up for a dental PPO?


PPO family dental insurance is quite common, thanks in large part to the fact that it is typically the most affordable form of coverage. Whether you are looking for an individual dental plan or family dental insurance for everyone in your house, you can get the coverage you need through a PPO.