{"id":183,"date":"2022-12-02T09:36:00","date_gmt":"2022-12-02T09:36:00","guid":{"rendered":"https:\/\/www.mysaginawdental.com\/blog\/?p=183"},"modified":"2023-01-18T09:39:06","modified_gmt":"2023-01-18T09:39:06","slug":"understanding-your-dental-insurance-plan","status":"publish","type":"post","link":"https:\/\/www.mysaginawdental.com\/blog\/2022\/12\/02\/understanding-your-dental-insurance-plan\/","title":{"rendered":"PPO vs. HMO: Understanding Your Dental Insurance Plan"},"content":{"rendered":"\n
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Navigating the details of any given dental insurance plan<\/a> can be a challenging task; the language isn\u2019t always clear or easy to decipher, and without assistance it\u2019s quite possible that you might end up losing out on benefits you didn\u2019t even know you had! Keep reading to learn a little more about PPO and HMO plans, two of the most common types of dental insurance plans.<\/p>\n\n\n\n\n\n\n\n

What Are the Main Differences Between HMO and PPO Plans?<\/h2>\n\n\n\n

There are a few important features that distinguish HMO plans from PPO plans. HMO stands for \u201cHealth Maintenance Organization\u201d, and these plans restrict coverage to a predetermined group of dentists, known as a network. If you have an HMO, you must see these providers in order to get coverage from your insurance.<\/p>\n\n\n\n

PPO stands for \u201cPreferred Provider Organization\u201d, which means that you can see virtually any practice of your choosing and you aren\u2019t restricted by your insurance company. Both PPOs and HMOs come with drawbacks, but it\u2019s important to weigh what pros and cons are most important to you. For example, PPO plans are usually more expensive, but they provide you with the freedom to choose a dentist that you trust and want to go to, whether they\u2019re in or out-of-network. On the other hand, HMO plans tend to be more affordable, but they\u2019ll likely only cover out-of-network visits if they\u2019re considered an emergency.<\/p>\n\n\n\n

What Treatments Are Covered by HMO and PPO Plans?<\/h2>\n\n\n\n

It\u2019s worth mentioning that most dental insurance plans operate on a 100-80-50 structure, meaning they might cover 100%, 80%, or 50% of a certain procedure. The best way to learn what your individual plan covers, no matter whether it\u2019s an HMO or PPO, is to contact your provider directly. That said, some of the common treatments often covered include:<\/p>\n\n\n\n