Best Dental Insurance
Top dental insurance plans: how they work. Like health insurance, dental insurance plans charge you a monthly premium. In return, the plan helps you pay for needed care.
There are other similarities, as well:
Most dental plans have a network of dentists.
There’s a deductible – an amount you pay out of pocket before the plan pays for treatment.
You pay for a portion of many procedures via co-pays (flat fees) or co-insurance (a percentage of the dentist’s charge)
There are also some critical differences. The most common dental treatments – preventive checkups and cleanings – are usually covered without any out-of-pocket charge. The deductible is generally very low compared to a medical plan – around $50 for an individual and $150 for a family of 2. Also, most plans cap the total amount they will pay for care at $1,000-$2,000 per plan member per year. Any dental expenses over your plan’s cap (or maximum) will be your responsibility.
The best one is the one that fits your needs and budget. At Woody’s insurance, we help you choose. What do you need?
A healthy smile can make all the difference. That's why keeping smiles healthy is what we do. Whether enabling you to take care of small dental concerns before they become big problems or making complex dental treatments more affordable, a dental plan from Woody's Insurance can help you and your family achieve better overall health.
DPO Vs PPO Dental Plan
PPO stands for Preferred Provider Organization. HMO stands for Health Maintenance Organization. Our office works with all types of PPO insurances because these plans allow you the freedom to choose any provider you’d like to see, whether they are in or out of network. We are in-network with many PPO plans.
We are not in-network with any HMO or DMO plans. These plans require that you choose an in-network dentist from a list of providers, and then see that specific provider for all your care. That’s because HMO/DMO dentists receive a check each month based on the number of patients assigned to him or her. HMO/DMO providers can be expected to perform services for a deeply discounted rate. On the other hand, PPO dentists only receive money from the insurance company if services are rendered.
Usually, patients who have an HMO/DMO plan will notice their choice of dentists is quite limited because fewer offices opt to participate in this kind of plan. However, out of pocket costs are generally lower with HMO/DMO plans than PPO plans, and have fixed co-payments. Having a PPO plan allows you to access a larger number of dentists providing higher quality care, but sometimes at a greater out-of-pocket cost. Additionally, if you have a PPO plan you can see a specialist without a referral, but if you have an HMO/DMO plan you usually need to obtain a referral before seeing a specialist.