What are the most affordable and hassle free dental plans?
Most people find choosing the right dental insurance to be a complex problem that is both confusing and exhausting. There are various types of dental insurance plans including: Indemnity Insurance Plans, HMO Network Dental Insurance, PPO Dental Insurance and Discount Dental Plans. We want to highlight the two most common types of insurance coverage plans, HMO
(heath maintenance organization) and PPO (preferred provider organization) and show you their pros and cons. An HMO insurance plan refers to a network of individuals who belong to a specific
comprehensive dental care plan which partners with a designated dentist or dental clinic. With HMO plans, a patient must visit their primary care dentist first before they can go to any other specialist or another provider within the network. Although HMO plans tend to be more affordable compared to a PPO, you are restricted to seeing only the dentist you are assigned too. Also, not all procedures are covered under an HMO plan. For instance, most HMO plans only allow patients to get amalgam (silver) fillings, so if you want a white filling you are responsible for paying for the whole procedure.
A PPO is a managed care organization of doctors who have contracted with an insurer to provide dental care at reduced rates to the insurers or patients. For a patient, that means you can choose any doctor in your network and you do not need a referral from a primary care dentist before you see a specialist. Patients who are covered by these plans must use the professionals that are part of the network in order to get full benefits, or else they may end up paying the difference between the networks fee schedule and the doctor’s office fee schedule. A PPO tends to be more convenient because it allows you the flexibility to see any dentist you choose.
Let’s break down!
Do I need to have a primary care physician (PCP)?
HMO: YES
PPO: NO, you can receive care from any doctor in your PPO network. FYI: You will pay a little more if you choose a doctor not in your “preferred” network!
What if I need to see a specialist?
HMO: You need a referral from your PCP.
PPO: You do not need a referral. Find a doctor in your preferred network!
How do I pay for services when going within my network?
HMO: The only charge you are responsible for are in-network copayments. You will not be covered if you decide to go out of your network. You are also limited to the procedures that are covered under your insurance plan.
PPO: You are responsible for your copayments but have the option to go outside of your network if you so desire. Some PPO’s do have an annual deductible that you pay once a year before you start any major procedure. They also have an annual maximum of money that you can use per year.
Dr. Kederian’s dental office is in network with most PPO dental insurances. We are dedicated to providing the best services to our patients and feel that PPO insurances allow us to provide the best quality care. PPO insurances allow us to use the most modern and updated procedures while allowing patients to maximize their insurance coverage.
The best advice we can give is to do your research and seek out a plan that allows you to utilize the largest network of providers, with the lowest co-pays and highest coverage you can afford. I hope this helps to clarify some of those pressing dental insurance questions and concerns that can leave you feeling paralyzed!
If you have any additional questions about dental insurances, please feel free to call our office at (424) 901-0701 so that we can assist you in choosing the right plan for your needs.
Remember, all great things start with a smile!!
