Dental Insurance Plans

Dental Plan : Choice of Dentist

Do you get to choose your dentist under your dental plan? Or are you constrained to go a dentist chosen by your dental insurance company?

Dental plans have different options for choosing a dentist. Some dental plans allow you the freedom to choose your own dentist while others limit your choice for lower rates.

These two alternatives are called the open and closed panel dental plans.

Open Panel. This type of an American dental plan allows patients to go to a dentist of their choice. Similarly any dentist has the choice to accept or refuse to treat patients enrolled in this type dental insurance plan. Open panel plans often are described as freedom of choice plans.

Closed Panel. This type of American dental plan allows patients to choose only from a limited number of dentists who have contracted with the dental insurance company.

Closed panel plans are again of two types:

Preferred Provider Organization (PPO) - The participating dentist provides service at less than his usual fee to the patients covered by this type of American dental plan.

Exclusive Provider Organization (EPO) - Some patients can see a group of dentists under this American dental plan. . An EPO contracts with a limited number of practitioners and access to necessary specialized care may be restricted. The EPO may also limit the amount of services that a patient can receive in a given calendar year.

If you prefer going to your trusted dental care provider then choose a open panel plan, but read the fine print to see that emergency and routines tests are covered. This might be expensive.

Strike a balance, a better option might be to choose a plan that has a large number of participating dentists from whom you can select one.

For example our featured dental plan has over 100,000+ participating dentists under its dental insurance plans. So, you enjoy a wider choice of dentists at lower premiums.

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