- Dental Preferred Provider Organization (PPO) Plans
The Dental PPO plans provide a network element and typically provide a balance between dentist choice and lower costs. PPO dentists who are participating in a particular network thereby agree to allow contracted rates or fees as full payment rather than get their standard fee for those patients having a PPO. Whenever you pay visit to a PPO dentist, typically you pay a specific fraction of the reduced rate the dental plan will pay out the rest. This percentage or fraction normally will vary with the coverage type such as preventive or diagnostic. Whilst you on average have the lowest direct costs when you see a PPO network dentist, this dental plan permits you to visit a dentist of your own choice.
In view of the fact that Dental PPO is providing one of the most widespread networks of dentists, it usually becomes very easy to get a PPO dentist wherever you are located so that you may maximize on your financial savings. With this dental plan, you will have to only pay your part of the percentage for the service instead of having to pay out the total fee and then wait to get your reimbursement. Dental PPO is provided on a voluntary setting to those individuals who already are members of a variety of organizations and associations which have bought group coverage for those that are membership. Generally, the preferred and most respected dental plan within the industry is Careington’s Dental Plan.
- Prepaid Dental Health Maintenance Organization Plans (DHMO)
The DHMO plans, also known as pre-paid dental plans, need you to select one particular dentist or a single dental facility that is going to coordinate all your dental health requirements. In case you are in need of visiting a consultant, your principal care dentist or facility is the one to refer you; and if you require specialty care, it might be necessary to obtain preauthorization.
A characteristic DHMO-type dental plan doesn’t come with any maximums or deductibles. Rather, once you have received a service, you will pay a specific amount for that particular treatment. These are plans which offer extremely affordable alternatives for individuals and their families.
- Fee-for-Service Dental Plans
Also known as traditional or indemnity plans, they typically provide the largest dentists choice. When you call on a network dentist, typically, you will pay a definite percentage for every service you get and the dental plan will pay for the rest. This fraction or percentage that you pay normally will vary depending the kind of plan coverage; for instance, preventive or diagnostic, major dental services, etc.
- Discount Dental Plans
Also known as reduced-fee-for-service dental plans are basically not insurance although they instead are offering access to services at a rate that is discounted rate from dentists who are participating for an annual or monthly charge. Generally, there is no paperwork, deductibles or annual limits, although you have to see a participating dentist for you to get the discount.