Another true insurance plan, a PPO falls somewhere between an
indemnity plan and a dental HMO. A group of dentists agrees to
provide services at a deeply discounted rate, giving you substantial
savings - as long as you stay in their network. Unlike the more
restrictive DHMO, though, you can go out of network and still receive
some benefits. Some typical features of these plans:
-
Monthly premiums
- Annual dollar cap
- You must stay within the approved network of
dentists or pay higher deductibles and co-payments
- Your average monthly cost: $20
- Companies selling these plans are regulated by
state insurance departments.
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