{"id":242,"date":"2020-10-31T21:13:00","date_gmt":"2020-10-31T21:13:00","guid":{"rendered":"https:\/\/www.bestclevelandsmiles.com\/blog\/?p=242"},"modified":"2020-11-20T21:16:46","modified_gmt":"2020-11-20T21:16:46","slug":"hmo-ppo-types-of-dental-insurance-in-middleburg-heights","status":"publish","type":"post","link":"https:\/\/www.bestclevelandsmiles.com\/blog\/hmo-ppo-types-of-dental-insurance-in-middleburg-heights\/","title":{"rendered":"HMO vs. PPO: Which Dental Insurance Plan Do You Have?"},"content":{"rendered":"\n
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Do you know whether you have an HMO or PPO dental insurance plan<\/a>? Are you even sure what that means? Navigating dental insurance can sometimes be like learning a different language. It can be overwhelming, and without anybody to help guide you through the process, you may lose out on benefits that you didn\u2019t know you had because you weren\u2019t familiar with your plan\u2019s coverage. Read on to learn about the different types of dental insurance in Middleburg Heights and how that impacts what dentist you can see.<\/p>\n\n\n\n\n\n\n\n

Notable Differences Between HMO & PPO Plans<\/h2>\n\n\n\n

When you compare HMO and PPO dental insurance plans, there are a few important features that distinguish one from the other. HMO stands for Health Maintenance Organization, which restricts coverage to a determined group of dentists, known as a network. If you have an HMO, you must see these providers in order to get coverage from your insurance. PPO stands for Preferred Provider Organization, which means that you can see any physician of your choosing, and you aren\u2019t restricted by your insurance company.<\/p>\n\n\n\n

In-Network vs. Out-of-Network Coverage<\/h2>\n\n\n\n

Both PPOs and HMOs come with drawbacks, but it\u2019s important to weigh what pros and cons are most important to you. For example, PPO plans are usually more expensive, but they provide you with the freedom to choose a dentist that you trust and want to go to, whether they\u2019re in or out-of-network. On the flip side, HMO plans are usually more affordable, but they will only cover you seeing an out-of-network provider in the case of an emergency, or when it\u2019s required by law.<\/p>\n\n\n\n

Covered Dental Treatments for HMO & PPO Plans<\/h2>\n\n\n\n

Whether you have an HMO or PPO plan, most dental insurances operate based on a 100-80-50 structure. That means that they may cover 100, 80, or 50 percent of the following services:<\/p>\n\n\n\n