Question: I have this dentist I want to start going to, but the office stated that they only accept PPO’s dental insurance plans. What should I know before buying a dental PPO insurance plan? 

Answer: Dental PPO insurance plans are great for staying with or choosing your dentist. However, I strongly encourage you to carefully read the plan’s terms and conditions when buying any PPO dental insurance plan. Be aware that PPO plans require you to pay a percentage of the cost for specific dental services, known as coinsurance. Understanding the coinsurance percentage for the plan you are considering is essential.

Generally, dental PPO plans have waiting periods for basic and major dental care services and provide only preventive dental care at the plan’s effective date. Under most PPO plans, there will be a yearly maximum limitation. A maximum limitation is an annual amount the insurance company pays for dental care services. Also, check to see if the plan has an office co-pay (the dollar amount you pay each time just for going to the dentist, such as a $20.00 co-pay) or a yearly deductible (the dollar amount you pay before the insurance company provides benefits. Generally this would be around $50.00 – $75.00) 

Finally, compare the benefits and costs of multiple PPO plans before deciding to ensure that you are getting the best value for your money.