Many types of dental insurance plans exist. Knowing what HMO, PPO, and Fee-For-Service means can help you make an educated decision when choosing your out-of-network or in-network dentist. Depending on the insurance type, your benefits and coverage can vary significantly.
Health Managed Organization (HMO) Plans
Also referred to as HMO plans, Health Managed Organization plans are designed to offer healthcare coverage for monthly or say yearly fees. These insurance plans provide coverage for oral care from providers who are within in-network. With an HMO plan, you have a specific list of dental offices that you can select from. These dentists have signed a contract with the insurer to offer dental services at negotiated rates. As a result, the insurance company is likely to set lower premiums for affordable dental care. The problem with an HMO plan is that you are only able to see in-network dental professionals.
Preferred Provider Organization (PPO) Plans
Although Preferred Provider Organization plans provide health coverage at some reduced rate, your choices are open up. A PPO insurance plan allows you to select a dentist working in-network, but you still can choose an out-of-network dental office should you wish.
When seeking oral health care services, it is paramount you ask your insurance company to provide you with a list of in-network dentists. However, remember that when it comes to a PPO plan, you have a choice to select an out-of-network dentist.
Make sure you verify the status of the dental office before you set up an appointment. The most important thing is to ensure you find a dentist who suits your needs and can meet your treatment goals. The dentist should also allow you to take advantage of the benefits your insurance plan provides. If you have any questions regarding your insurance payment options, talk to us. Visit our prosthodontist office to discuss the matter and see how we can help you.
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