HMO OR PPO INSURANCE?

What choices of dental plans do you have? Which should you pick?

HMO- Stands for “Health Maintenance Organization”. In an HMO network Contracted dentists are “pre-paid” a certain amount each month for each patient that has been assigned to that dentist. The offered treatments are limited and the places that offer to take those plans are few.

Limits the providers members can go to. Dentists are limited to providing only certain contracted services at no cost or reduced cost to those patients. The plan usually does not reimburse the dentist for their services and therefore patients must receive treatment at their assigned office in order to receive a benefit.

PPO- Stands for “Preferred Provider Organization”. In a PPO network, contracted dentists agree to deliver services for set fees and according to the provisions of the contract. Most PPO plans allow a yearly maximum and cover treatments at set percentages.

Patients have the freedom to see a dentist outside of their “PPO network” with a slightly different out of pocket expense.

Below are a few main points to help you compare and better decide which plan is best for you:

HMO +

HMO –

PPO +

PPO –

Author
Alamo Dentist Aminda Modrell

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