FAQ Dental Insurance DHMO vs PPO: Choosing Dental Plans

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PPO
-100/80/50 split.
-100% of your preventative services will be covered (routine screening, cleaning and xrays)
-80% of your basic services will be covered (fillings, root canals, and extractions)
-50% of your major services will be covered (crowns, bridges, and implants)
*** Usually orthodontics is not part of a basic dental plan, but you can often add on orthodontic services for an additional fee.
-Maximums range from $1000-$2000. Once you have reached that cap, you will be on your own for any remaining expenses.
-Higher monthly premiums, but more flexibility with dentist choice (If you use an out of network dentist, you will still have coverage, just less so than with an in-network dentist)

DHMO
- Set Copays for services
- Limited Network
- Preferred Physician must coordinate specialists
- No maximums
- No coverage out of network

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