PPO vs. HMO Dental Plans: Which One Is Right for You?

Dental insurance can help you manage expenses related to critical medical services and products related to your teeth, gums and mouth. Like general health insurance plans, these policies can limit out-of-pocket expenses for essential health care, while being tailored specifically toward dental wellness. But this type of coverage may come in various forms, and understanding various types of policies and knowing which to select is critical.

What Is a Dental PPO Plan?

A preferred provider organization (PPO) dental insurance policy may offer various advantages while also requiring you to account for potentially higher costs. These plans function similarly to those you might have encountered when it comes to general health insurance; you may enjoy greater flexibility in exchange for higher premiums.

Your PPO will come with a network of dental health providers whose services are generally covered under your policy. However, PPOs may be relatively flexible if you choose to seek an out-of-network dentist, although costs may be higher. Additionally, you may be empowered to seek out a specialist without needing a referral.

What Is a Dental HMO?

If you have a dental health maintenance organization (HMO), you may be able to save on your premiums, albeit in exchange for less flexibility when seeking care. If you have a dental HMO, you’ll often be required to select a primary care dentist from a pre-approved list. This person will be in charge of referring you to specialists.

With an HMO, you’ll often enjoy lower premiums in exchange for more limited care options compared to a PPO. Additionally, you’ll generally have less flexibility when it comes to seeking care from specialists and out-of-network providers.

Which Is Right for Me?

When choosing between an HMO or PPO, you’ll generally want to weigh how much you prioritize flexibility and what premiums you can afford. A qualified insurance professional, such as those at United Benefit Solutions, LLC, can help you weigh your options, consider your situation, and find the right coverage.

If you’re in or around Rockville Centre, NY, contact us today to start addressing your dental insurance needs.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.