A PPO (Preferred Provider Organization) is a dental insurance plan whereby your employer negotiates a fee schedule with dentists in _____ in exchange for them to be put on a list of preferred providers. The employer gives the list of dentist to their employees to use. The employee can only use those on the list if they want the benefits of the plan.
Most PPO plans have a deductible between $50 to $100.00 and pay only a specified percentage for each type of treatment. There is also a yearly maximum amount of unds avalable for dental care. The amount must be used each year or lost. There is no ability to care it over.
Most PPO Dental plans cover preventive care, cleanings, check-ups, protective dental sealants, x-rays, and fluoride treatment at 80-100%. Basic care, including root canal therapy, extractions, and fillings are usually covered at 80%. Major care such as crowns (caps), permanent bridgework, and full and partial dentures as well as periodontal (gum) care are often covered at 50%. So whatever is not cover, you have the pay the remaining portion.