Comparing Dental Plans

What is a dental HMO?

Dental Health Maintenance Organization. An organized system of dental health care that provides comprehensive and affordable care to you through a network of highly qualified dentists. There are no waiting periods, calendar year maximums or deductibles and no claim forms. With these plans, you are responsible for the copayment for each service.

What is a dental PPO?

A PPO plan provides the opportunity to reduce your out-of-pocket costs by using an in-network provider, yet you are always free to select a dentist not associated with the PPO. If you choose to see a dentist who is not part of the dental network, your claim allowance is based on the Usual, Customary, and Reasonable charges for 9 out of 10 dentists in the area where dental services were performed. PPO's do include a calendar year maximum, a deductible and have waiting periods on certain procedures.

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