A Dental PPO – 4 Things You Should Know About It

If you’re in the market for new dental insurance, you need to check out all that a dental PPO has to offer. With things like affordable premiums, great dentists, and lots of freedom, a PPO could be the perfect dental plan for you.

Here’s what you should know before you sign up for one:

1. It can be the most affordable individual dental plan
Unless you opt for a discount plan (which doesn’t even count as traditional dental insurance), you’re going to discover that a dental PPO offers the best monthly premium rates. And, luckily, you won’t have to worry about paying huge out-of-pocket costs in order to offset those low monthly rates. That’s because a good dental PPO also comes with a low deductible, low copays, and low out-of-pocket maximums.

2. It can handle your family or individual dental needs

Some types of dental insurance don’t lend themselves well to family coverage. Or, they’re so geared for families that it can be tough to find an individual plan. Luckily, that’s not the case with a dental PPO. Whether you need family dental insurance or an individual dental plan, PPOs can give it to you.

And, when you get PPO family dental insurance, each member of your family gets to take advantage of the same perks – like low deductibles, copays, and out-of-pocket maximums.

3. It doesn’t require prior authorization

Some types of dental insurance can be a real pain, because you need the insurance company’s approval before you can go see a doctor, then you need a referral from your doctor to go see a specialist. But when you have a dental PPO, you don’t have to worry about any of that. Once your individual dental plan is all set up, you can go see a general dentist or specialist anytime you want – without worrying about having to get anyone’s permission.

4. It comes with a list of approved providers

While you’ll get to make appointments anytime you want, the dentists and specialists you can make them with will be somewhat limited under a dental PPO. That’s because each plan comes with a list of approved providers. As long as you choose a dentist on the list, you’ll get full use of your insurance benefits.

While adhering to a list can seem like an inconvenience, it doesn’t have to be. That’s because a good dental PPO will come with a long list; your current dentist may already be on it!

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