Tuesday, February 8, 2011

Please help! Which one is a better Dental Provider, PPO or DMO, and why?

I need to sign up for dental insurance and I'm not sure which one is better.
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A PPO will probably cost you a bit higher premium, but if the DMO dentist that you are stuck with is someone you would not choose to go to, you WILL end up going outside the network and paying full price anyhow, so this makes the PPO cheaper, as far as I am concerned. A PPO will have a list of "preferred providers," but you can go to ANY dentist you choose - even stay with your current dentist - and still get reimbursed at the PPO rate.
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