Dental Insurance Plans

PPO dental plans, EPO dental plans

Preferred Provider Organization (PPO)

The PPO dental plan allows the patients to receive dental care from a defined panel of dentists. The participating dentist of the dental plan agrees to charge less than usual fees to this specific patient base, providing savings for the dental plan purchaser. If the patient chooses to see a dentist from outside the select panel of dentists provided by the plan then patient may be required to pay a greater share of the fee-for-service.

Exclusive Provider Organization (EPO) - This closed panel dental plan allows a particular group of patients to receive dental care only from participating dentists. Although there may be some exceptions for emergency and out-of-area care, if a patient decides to see a dentist which is not listed on the EPO panel, charges for service will not be covered by the dental plan. Because participating dentists are required to offer substantial fee reductions, many dentists elect not to participate in EPO-type plans. Under some benefits plans, participating dentists may be salaried employees of the EPO. An EPO contracts with a limited number of practitioners within a geographic area. Access to necessary specialized care can be restricted. The EPO also may limit the amount of services that a patient

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