The best insurance is always “traditional” (fee for service) insurance which gives you the choice of who you go to for service. The advantages of this range from convenience of location to quality of specialized care. You will receive the most service for your insurance-purchasing dollar with traditional insurance. If “traditional” insurance is not an option, then opt for a PPO plan which has a network of health care providers to select from. However, there can be penalties for straying outside this network. Some PPOs are more flexible in your selection of dental practitioners and will offer an insurance option that enables patients to seek specialized care, such as prosthodontic care. This option is often slightly more expensive, but the resulting freedom of choice is well worth the cost. Many of our patients come to us via referrals from PPO, HMO, and DMO providers. However, we are not participants in those plans. Those patients found that what the PPOs, HMOs or DMOs did pay was not enough to justify limiting their choice of doctors.
These plans route a patient to a primary provider who may or may not be able to refer a patient to a specialist dentist. The last insurance is one where patients are provided a discount in various offices. Although this brings patients into some good quality service offices, many of those practices would provide the same discount without being referred by an insurance company. For more information, check the FAQ on our website .
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