What is a PPO dental plan?

Dr. Michael Roizen, MD
Internal Medicine
A PPO dental plan is a type of managed care plan. These plans provide a table (or list) of all the approved dentists and services they will cover, and the exact dollar amount they will pay for the services (regardless of what a dentist’s fee actually is).  The difference between what the plan pays and what the dentist’s fee is, is what you pay. Also, if a procedure you need isn’t on the list or you want to see someone “out of network,” you pay for it all out of pocket.
Preferred Provider Organization (PPO) programs are dental plans under which patients select a dentist from a network or list of providers who have agreed, by contract, to discount their fees. In PPOs that allow patients to receive treatment from a non-participating dentist, patients will be penalized with higher deductibles and co-payments. PPOs can be fully insured or self-insured. PPOs are usually less expensive than comparable indemnity plans and are regulated under the appropriate insurance statutes in the company's state of domicile and operation.

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Important: This content reflects information from various individuals and organizations and may offer alternative or opposing points of view. It should not be used for medical advice, diagnosis or treatment. As always, you should consult with your healthcare provider about your specific health needs.