DPO Vs PPO Dental Plan

A dental plan organization (DPO) organizes services with a network of doctors. In exchange for a premium paid to the DPO, a member of the DPO can use any of the DPO’s network doctors at a reduced fee. This fee, often called a copay, is the only cost for the services administered in most cases. The DPO will pay all other costs at a reduced group rate.

DPO Benefits

A DPO offers patients a network of doctors who will administer services at a heavily reduced cost. Many dentists will not accept patients without some form of insurance, because they fear the patient will not pay a bill in full on his or her own. Dentists are not as concerned as doctors with these issues. However, it is still easier to get quality medical care if you are a member of an insurance plan.

DPO Pitfalls

Once a patient is a member of a particular DPO, that patient will not receive the same benefits if they go “out of network” to another dentist. This can create restrictions on services. Further, the premiums paid to a DPO are only worth the cost if the patient makes use of the services.

Source: https://www.finweb.com/insurance/how-does-a-dental-plan-organization-dpo-work.html

Verses a PPO Dental Plan

PPO Plans

A PPO plan is regular indemnity insurance combined with a network of dentists under contract to the insurance company to deliver specified services for set fees and according to the provisions of the contract.

Contracted dentists must usually accept the maximum allowable fee as dictated by the plan, but non-contracted dentists may have fees either higher or lower than the plan allowance.

source: https://success.ada.org/en/dental-benefits/dental-plan-overview

At Woody’s insurance, we can further discuss DPO vs PPO insurance. 

DPO Insurance

A Dental Plan Organization (DPO) is any person or company who provides directly or arranges to administer one or more plans providing dental services that are on a prepaid or postpaid individual or group capitation basis. The covered person is eligible to receive treatment from in-network dentists only (except in the case of an emergency over fifty (50) miles from home). The covered person may be required to pay a deductible or copayment for treatment, but no balance billing is allowed.

Original:https://www.state.nj.us/dobi/division_insurance/managedcare/dpodscpage.htm 

Want to know more DPO Insurance contact us at Woody’s Insurance.

DPO Dental Plan

Designated Provider Organization (DPO) plans are primarily offered to hospital employer groups (and their families) to encourage them to seek services from providers within that same hospital group, in exchange for lower or waived copays. The DPO plan is available as a Preferred Provider Organization (PPO) or Point of Service (POS) and is typically self-insured.

 Complete article: https://tuftshealthplan.com/documents/providers/general/dpo

PPO Insurance Plans

A type of health plan that contracts with medical providers, such as hospitals and doctors, to create a network of participating providers. You pay less if you use providers that belong to the plan’s network. You can use doctors, hospitals, and providers outside of the network for an additional cost.

Article from : https://www.healthcare.gov/glossary/preferred-provider-organization ppo/#:~:text=A%20type%20of%20health%20plan,belong%20to%20the%20plan’s%20network

PPO Insurance Cost 

A preferred provider organization, or PPO, is a health or dental insurance plan that contracts with hospitals and doctors to create a network of coverage. Typically, in a PPO health plan, you will pay less if you use providers within the network. However, you can still go to out-of-network doctors but can expect to pay an additional cost for coverage.

Original article: https://www.valuepenguin.com/ppo-health-insurance-plans

Because of the flexibility of PPO insurance, it generally costs more than many of the other types of insurance such as HMOs….Woody’s Insurance can help you determine if the additional cost is the best for your situation.

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