Dental PPOs (preferred provider organizations) are a type of dental plan that are very popular with both consumers and dentists. Nearly 3 out of 4 new dental insurance plans sold today is a PPO plan, according to dentaleconomics.com.
PPOs help you save money because the dentists who work with these types of plans agree to charge lower rates. It’s as simple as that!
…when you work with a dentist who participates in your PPO’s network (you’re not required to do so), you improve your ability to keep out-of-pocket costs under control
With a PPO, you know the maximum you will be charged for your dental work up front. In addition, when you work with a dentist who participates in your PPO’s network (you’re not required to do so), you improve your ability to keep out-of-pocket costs under control.
However, there are some limitations with PPOs. Not all types of work are available, and the amount of time your dentist can put into your work may also be limited. PPOs also include a calendar year maximum, a deductible, and waiting periods for some types of work.
Understanding dental PPO waiting periods
Waiting periods, or “wait times,” are one of the things many people just don’t “get” about dental PPO plans. This is simply the time that must pass between the day your plan begins and when you are eligible for some specific benefits.
Dental PPO waiting periods, if there are any, are outlined on the plan summary page at DentalInsurance.com. Here’s an example:
The plan summarized in this image has no waiting periods for preventive services. There is, however, a waiting period of 6 months for basic procedures and 12 months for major ones. This makes the plan one of the best selling dental PPO plans available from DentalInsurance.com.
More information about any plan is available by clicking the “Plan Features” link. In addition, various plans can be easily compared using the checkboxes at the top left of each plan summary.
Next: Compare dental insurance plans.