You may often overheard about the term PPO dental insurance somewhere sometime but don’t really know what it is actually represent. Don’t worry, this article will explain as simple as possible about PPO Dental Insurance; what is it actually? When we need it? As well as some pros and cons for more objective assessment. The PPO dental insurance is actually stands for preferred provider organizations plans. It is one of the most common types of dental insurance plans which also had gained great deal of popularity thanks to many benefits its offer. By using the PPO dental insurance plans mean that the plan holder, as the name implies, would have to receive dental service from dental care providers and specialists, within the inside network of their insurance company. For the insurance member, mostly it means minimum and discounted services.
PPO Dental Insurance: The Pros
The PPO dental insurance plans offer some interesting benefits, they are:
- You still can choose your own dentist, this can be possible as long as they are a member of the PPO Network
- You can save your time from waiting because by taking PPO dental plans means you have shorter or no waiting times to get the advantage of the benefits or dental services.
- By taking PPO dental insurance plans you can get low or even no deductibles, means extra money to save
- You can also save a lot of time and effort by using the PPO dental plans because once you registered it doesn’t involve any further paperwork. To get the full dental service you just have to present the insurance card while the paperwork will be taken care of by the dental care provider
PPO Dental Insurance: The Cons
Besides the benefits, the PPO dental insurance plans also have some disadvantages, such as:
- You are unable to choose any dentist from outside the network or you won’t able to get the full benefits of the dental plan
- Limited coverage: in some PPO dental insurance plans, the amount of dental service cost that will be covered by the plan is limited to $1000. It will be quite an issue if you are having dental procedure that cost more than that, like root canals procedure
- In some cases PPO dentist often refuses members if they know there are no imbursement for the dental services.
.
PPO Dental Insurance: When You Should Apply?
With all the benefits it’s offered, not everybody choose PPO dental insurance with their own reasons, mostly because they felt that getting dental services from in-network dentists is way too limiting. However the plans are still offer a lot of benefits and you should take the plans if you are in the following situation:
- You are willing to pay low deductibles. The deductibles for PPO insurance are relatively low. It is usually around $50 per each treatment.
- You hate doing paper work every time you are getting dental services. By taking the PPO insurance plans you will not be needed to file claims form when getting dental services from an in-network dentist. In addition when you are getting dental attention form a specialist, there no need for any referral in the process.
- Your current dentist is actually already a member of the PPO network. If your dentist already registered on PPO network then you should get the PPO dental plan because it simplifies a lot of things. You don’t have to get through the inconvenience of looking for a new dentist, scouting the candidates and make adjustment just to enjoy the full benefits of the coverage, ideal situation.
- You want to get preventive treatment without having to pay a great deal of money. The PPO Dental insurance would cover 80 to 100% costs of procedures like twice a year check-up, fluoride application, and X-rays.
To sum it up you should know about your need and situation, contemplating the pros and cons before you decide on taking the PPO dental insurance plan or choose to take another plan.