A PPO (Preferred Provider Organization) dental plan allows you to visit any dentist but offers lower costs when using in-network providers. You typically pay a percentage of costs (coinsurance) rather than flat copays.
Dental PPO plans typically cost $30-$60 per month for individuals and $90-$150 for families. Premiums vary by coverage level, location, and insurance company.
Yes, PPO plans allow you to see any licensed dentist. However, you will save 20-40% more by choosing an in-network provider who has agreed to discounted rates.
PPO plans offer more flexibility to choose providers and see specialists without referrals. HMO plans have lower premiums but require using assigned dentists and getting referrals.
Most PPO plans cover preventive care at 100%, basic procedures at 70-80%, and major work at 50%. Orthodontics may have separate coverage with lifetime maximums.
Yes, most PPO plans have annual deductibles ranging from $25-$100 per person. Preventive services are often covered before meeting the deductible.
PPO dental plans typically have annual maximums between $1,000-$2,500. Once reached, you pay 100% of remaining costs for that year.
PPO plans are worth it if you want flexibility in choosing dentists, need major dental work, or prefer predictable out-of-pocket costs with comprehensive coverage.
Use your insurance company website or app to search for in-network providers. You can also call the dentist office to verify they accept your specific PPO plan.
You can typically switch during your employer open enrollment period or when purchasing individual coverage. Some plans allow changes during special enrollment events.