What is a PPO (Preferred Provider Organization) dental insurance?
It is a type of dental insurance that allows you to work with a group of in-network dentists who are willing to provide your oral health care at reduced rates. There are various PPO dental plans with different levels of benefits that you can enroll, but on average, you will be allowed $1,000 to $2,000 per year to spend on certain dental procedures. Most plans will cover preventative and diagnostic procedures such as comprehensive exam, emergency exam, X-rays, and regular dental cleaning (prophylaxis). Dental sealants and fluoride varnish are sometimes covered by your plan if your dependents are under a certain age limits, varies from 14-16 years old.
There are two categories of PPO dental services: 1) basic dental services, and 2) major dental services. The basic category of coverage includes dental fillings, periodontal scaling and root planing (deep cleaning), root canal therapy, and dental extractions. Major category of coverage includes dental bridges, dental implants, partial or complete dentures, impacted wisdom teeth extractions. Sometimes, one insurance company will categorized a certain dental procedure, for example, root canal therapy, as basic dental services, whereas another insurance company will categorized it as major dental services. Both categories will require a deductible, typically $50-$100, be met before benefit coverage started. In addition to the annual dental benefits, some dental plans will have orthodontic coverage as well. Orthodontic coverage can be a separate category of benefits and does not use up your routine dental benefits.
You save money by going to an in-network dentist because the dental insurance and the provider have mutually agreed on a fee schedule. If you are going to an out-of-network dentist, you are responsible for the difference if the fees are higher. Out-of-network dentist can charge whatever fees he or she thinks is appropriated, and ultimately, the patients will be responsible for the remaining charges.
Ultra White Dental office are in-network with multiple dental insurance companies to provide our patients with the greatest savings. We are enrolled with all major dental insurance to provide a broader coverage for our patients, which is convenient and beneficial for our patients when their employer transitioned to another dental plan. For example, if you are currently a subscriber to Delta Dental plan and your employer decided to switch to United HealthCare. You will still be with same dental office or provider. You don’t have to go through the hassle of finding another dental office.
A LIST OF INSURANCE WE ARE ACCEPTING:
- Metlife PPO
- Cigna PPO
- UnitedHealthCare PPO
- Delta Dental PPO (accepting all states)
- Delta Dental TriCare Retiree Dental Program
- Blue Cross Blue Shield (BCBS) PPO
- United Concordia PPO
- Ameritas PPO
- Guardian PPO
- Humana PPO
- Aetna PPO
- Dearborn National PPO
- Assurant PPO
- Careington PPO and Discount Plans
- GEHA Connection Dental PPO
- AlwaysCare Dental PPO
- Dental Select
- DenteMax PPO
- FCL Dental PPO
- Lincoln Financial PPO
- Memorial Hermann PPO
- Principal PPO
- Sun Life Financial PPO
- The Standard Insurance PPO
- TruAssure Dental PPO
- UMR (third-party administrator)
Ultra White Dental works closely with CareCredit to provide affordable health care to our patients. We understand that oral health is your top priority. Therefore, we offer multiple flexible payment options: 6 months, 12 months, 18 months or 24 months that are interest free. Please visit www.carecredit.com for additional information or apply direct on their website.
Please contact us or call (281) 697-5200 for more information.