If you have any questions about what your plan covers, contact your insurance company. Member Services representatives are there to answer exactly these types of questions. They can tell you if a doctor, prescription, or service is covered, plus how much your insurance will pay. Oral surgeons and other dental specialists, as well as general dentists, can bill health insurance for certain procedures.
It is important to check the information specific to your dental insurance plan to see if the treatment will be covered by dental insurance or if it should involve your health insurance provider. Knowing the differences between dental health insurance plans will help you choose the one that best fits your needs. A preferred dental provider organization (DPPO) has several key differences, such as the cost and flexibility of choosing your preferred dentist or selecting dentists within a defined network. The patient can consult in-network dentists (which will normally keep costs lower), but has the freedom to choose out-of-network dentists and specialists.
Dental PPOs don't require you to choose a primary dentist and you can visit any licensed dentist in or out of the network. You may pay less out of pocket for visits to in-network dentists and specialists compared to visits to an out-of-network dentist. It is important to understand the details of your dental insurance plan before making any decisions about visiting a specialist or dentist. Contacting your insurance company is the best way to get accurate information about what is covered and how much it will cost.
Knowing the differences between dental health insurance plans will help you choose the one that best fits your needs.