Even if you know HMO stands for Health Maintenance Organization and PPO for Preferred Provider Organization, you may still have questions about the difference between HMO and PPO dental plans. It all comes down to your needs when comparing dental HMO vs. PPO plans. You have more flexibility with a dental PPO vs. HMO plan. However, the lower cost of HMO vs. PPO dental plans may be better for you.
Our licensed insurance agents are non-commissioned focusing on your needs to help you decide which dental insurance is right for you. They can also help you with health, pet and vision insurance. Shop all the insurance plans Direct Benefits offers and tailor the coverage for you and your family to exactly what you need.
HMO stands for Health Maintenance Organization, while PPO stands for Preferred Provider Organization. You might also see these written as DHMO and DPPO to specify that they’re dental policies rather than medical policies.
Let’s start by going over what a PPO dental plan typically features:
When it comes to HMO plans, here are some of the main features:
Generally, dental HMO plans and dental PPO plans will provide coverage for the following services:
Keep in mind that different plans might categorize services differently. And they also might have limits on the amount of care you can receive for each category. Therefore, it’s important to read the details carefully before signing up for a plan.
For some patients, a PPO dental insurance plan is better than an HMO. For others, the opposite is true. It depends on your expectations, needs, and budget.
Generally, HMO dental insurance might be a better option if you want to keep costs down. These plans typically come with lower monthly premiums and affordable copays, and they may not have a deductible or annual maximum to worry about either. Just keep in mind that, despite the savings, you may face more restrictions when it comes to how many treatments you can receive in a year, as well as which dentist you can use. Also, if you really want to see a dentist who isn’t in-network, your insurance won’t help cover the cost.
Why would a person choose a dental PPO over an HMO, even though it’s pricier? Well, if you prefer a plan that gives you more flexibility, thanks to a bigger network of providers and the ability to get at least some coverage for out-of-network dentists, a PPO might be more appropriate. However, these plans may come with higher premiums and copays, as well as deductibles and annual limits.
Now that you understand the basics of DPPOs vs. DHMOs, you can shop smarter when you’re ready to enroll in a plan for yourself or your family. Remember to check the specific details of any plan you’re interested in. That way, you’ll be aware of all of the requirements, from waiting periods to coinsurance.
If you’re ready to browse the insurance options available in your area, you can begin by using the Direct Benefits Marketplace . There, you’ll find plenty of PPO dental insurance plans, as well as HMO options, that will suit your needs.