Delta Dental PPO programs
Delta Dental PPO is one of our three contracted national network based programs. Participating dentists agree to fee schedules as payment in full. These Delta Dental PPO schedules provide deeper discounts that result in savings to the group and enrollees.
As with all of the Delta Dental networks, dentists agree to processing policies and are prohibited from billing and collecting fees in excess of the agreed upon schedule. This product allows enrolled patients to visit any dentist but offers additional savings when visiting a Delta Dental PPO network dentist.
Click here to see if your dentist is a participating provider with Delta Dental Insurance
DELTA DENTAL PPOSM DISCLOSURE:
In Alabama, Delta Dental PPOSM is underwritten and administered by Delta Dental Insurance Company.
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PPOs (Preferred Provider Organizations)
PPOs (Preferred Provider Organizations) are dental networks that provide a listing of approved dentists who have agreed by contract to provide care at a reduced cost in exchange for greater access to patients and a streamlined reimbursement system. Dental PPO patients choose their dentist form the approved list, and are assured of the maximum cost of treatment. No specialist referrals are required. Each Alabama dental PPO has its own network and approved set of treatments. Dental PPOs available in Alabama include Alpha Insurance, Delta Dental, Aetna, and Humana. We have found Delta Dental provides the best value and selection of network providers than other dental insurance carriers in Alabama. Delta Dental only provides dental insurance to employers.
The word PPO might be familiar to you from the health insurance world, and it works much the same way in dental. See below for our break down of the basic elements of PPO dental insurance, including how PPO dental plans work and links to further reading.
Do you have PPO dental insurance plans?
Absolutely. We’re committed to bringing you access to the finest PPO networks in the country with carriers such as Delta Dental with over
How much does a PPO dental insurance plan cover?
PPO dental plans all quote coverage in terms of a percentage. The percent covered is the portion that your insurance company will pay your dentist for any services rendered.
What are the benefits of a PPO plan over some of your less expensive plans such as a DHMO?
It is true that PPO dental insurance carries a higher monthly premium than most of our other plan types. Often people choose to go with a PPO because it allows them to keep seeing a trusted dentist or because they prefer a dentist in the PPO network who is more conveniently located to the patient’s home. See more about dentist selection in the questions below.
Which dentists can I see?
The insurance carrier pays much more of your costs if you visit a dentist that is in their network. Most PPO dental plans will also reimburse you for visiting a dentist not in their network. Beware, however, because going out of network means two things for your wallet:
(1) The carrier pays a lower percentage of the procedure – so that cleaning that was covered at 80% in network might only be covered at 50% out of network.
(2) The actual price of the procedure that is being covered goes up! That’s right, an in network dentist actually charges less for a procedure than out of network. That is because those network dentists have a special deal with the insurance carrier. So, using that cleaning example again, going in network might have covered 80% of a $100 cleaning, but out of network means that cleaning now costs $150 AND the carrier is only covering 50%!