{"id":12,"date":"2020-10-22T23:30:00","date_gmt":"2020-10-22T23:30:00","guid":{"rendered":"https:\/\/www.hanoverroaddental.com\/blog\/?p=12"},"modified":"2020-11-19T23:30:29","modified_gmt":"2020-11-19T23:30:29","slug":"the-difference-between-dental-ppo-hmo-plans","status":"publish","type":"post","link":"https:\/\/www.hanoverroaddental.com\/blog\/2020\/10\/22\/the-difference-between-dental-ppo-hmo-plans\/","title":{"rendered":"The Difference Between Dental PPO &#038; HMO Plans"},"content":{"rendered":"\n<div class=\"wp-block-image\"><figure class=\"alignleft size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.hanoverroaddental.com\/blog\/wp-content\/uploads\/2020\/11\/Man_reviewing_dental_plans_on_laptop__-2.jpg\" alt=\"Man reviewing dental plan on laptop\" class=\"wp-image-13\" width=\"275\" height=\"170\" srcset=\"https:\/\/www.hanoverroaddental.com\/blog\/wp-content\/uploads\/2020\/11\/Man_reviewing_dental_plans_on_laptop__-2.jpg 800w, https:\/\/www.hanoverroaddental.com\/blog\/wp-content\/uploads\/2020\/11\/Man_reviewing_dental_plans_on_laptop__-2-300x185.jpg 300w, https:\/\/www.hanoverroaddental.com\/blog\/wp-content\/uploads\/2020\/11\/Man_reviewing_dental_plans_on_laptop__-2-768x474.jpg 768w\" sizes=\"(max-width: 275px) 100vw, 275px\" \/><\/figure><\/div>\n\n\n\n<p>Whether you are currently researching <a href=\"https:\/\/www.hanoverroaddental.com\/dental-insurance.html\">dental insurance<\/a> or interested in utilizing your benefits, you may have one important question on your mind, \u201cWhat is the difference between dental PPO and HMO plans?\u201d After all, they are the two most popular types and play a crucial role in factors of your coverage, like annual maximums and in-network requirements. Therefore, a dentist in Lebanon is here to share the differences!<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\">Annual Maximums<\/h2>\n\n\n\n<p>An annual maximum refers to the highest dollar amount your insurance provider will pay for a covered service within a plan year. Once you reach your annual maximum, then you will be responsible for any additional dental services. On the other hand, if you don\u2019t meet yours, then you\u2019ll leave unused benefits and wasted dollars on the table. While most HMOs do not have an annual maximum, many PPO plans do.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">In-Network Requirements<\/h2>\n\n\n\n<p>In the world of dentistry, \u201cout-of-network\u201d doesn\u2019t necessarily mean \u201cout-of-coverage.\u201d That being said, HMOs require you to see a dentist within the network to utilize your coverage (unless it is a dental emergency or regions where it is mandatory by law). Conversely, PPO plans allow you to see any licensed dentist of your choice regardless if they are in or out-of-network. However, you will still pay less if you choose a provider who is from the plan\u2019s network.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Types of Dental Services Covered<\/h2>\n\n\n\n<p>The leading advantage of dental insurance is that it can make everything from routine cleanings to complex root canals more affordable. Therefore, it is important to consider how each option impacts your coverage of common dental services.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Preventive Care<\/h3>\n\n\n\n<p>Since dental care is centered around prevention, services like dental exams and professional types are typically covered at 100% by both HMO and PPO plans. However, there are typically limits on how many you can utilize annually.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Minor Treatments<\/h3>\n\n\n\n<p>Basic restorative services, like fillings and root canals, are handled differently in dental HMOs and PPOs. In HMOs, patients typically pay a flat fee before their coverage kicks in. In contrast, PPO plans require patients to meet their deductible before contributing a pre-determined percentage (up to your annual maximum).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Major Restorative Procedures<\/h3>\n\n\n\n<p>Crowns, bridges, and dentures are a few major restorative procedures that are covered up to a certain amount by both HMO and PPO plans. Typically, it\u2019s 50%, but it\u2019s best to check the fine print to be sure.<\/p>\n\n\n\n<p>When it comes to dental insurance, the type you pick is crucial for both your oral health and your wallet. Fortunately, you can use the above information to help make your decision!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">About the Practice<\/h2>\n\n\n\n<p>At <a href=\"https:\/\/www.hanoverroaddental.com\/\">Hanover Road Dental Health<\/a>, patients can enjoy a friendly dental team, a judgment-free atmosphere, and a comprehensive array of high-quality services. Plus, they are in-network with Delta Dental and Cigna and are happy to accept out-of-network providers as well. So, if you have any questions about your coverage, would like us to file a claim on your behalf, or have been searching \u201cdentist with my insurance in Lebanon\u201d on Google, then don\u2019t hesitate to visit their <a href=\"https:\/\/www.hanoverroaddental.com\/contact.html\">website<\/a> or give them a call at <strong>603-643-4362<\/strong>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Whether you are currently researching dental insurance or interested in utilizing your benefits, you may have one important question on your mind, \u201cWhat is the difference between dental PPO and HMO plans?\u201d After all, they are the two most popular types and play a crucial role in factors of your coverage, like annual maximums and [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Difference Between Dental PPO &amp; HMO Plans l Hanover Road Dental<\/title>\n<meta name=\"description\" content=\"The two most common types of dental plans are PPOs and HMOs, but how are they different? A dentist in Lebanon shares the answer!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.hanoverroaddental.com\/blog\/2020\/10\/22\/the-difference-between-dental-ppo-hmo-plans\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Difference Between Dental PPO &amp; HMO Plans l Hanover Road Dental\" \/>\n<meta property=\"og:description\" content=\"The two most common types of dental plans are PPOs and HMOs, but how are they different? A dentist in Lebanon shares the answer!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.hanoverroaddental.com\/blog\/2020\/10\/22\/the-difference-between-dental-ppo-hmo-plans\/\" \/>\n<meta property=\"og:site_name\" content=\"Hanover Road Dental Blog\" \/>\n<meta property=\"article:published_time\" content=\"2020-10-22T23:30:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-11-19T23:30:29+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.hanoverroaddental.com\/blog\/wp-content\/uploads\/2020\/11\/Man_reviewing_dental_plans_on_laptop__-2.jpg\" \/>\n<meta name=\"author\" content=\"tntadmin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"tntadmin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.hanoverroaddental.com\/blog\/2020\/10\/22\/the-difference-between-dental-ppo-hmo-plans\/\",\"url\":\"https:\/\/www.hanoverroaddental.com\/blog\/2020\/10\/22\/the-difference-between-dental-ppo-hmo-plans\/\",\"name\":\"The Difference Between Dental PPO & HMO Plans l Hanover Road Dental\",\"isPartOf\":{\"@id\":\"https:\/\/www.hanoverroaddental.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.hanoverroaddental.com\/blog\/2020\/10\/22\/the-difference-between-dental-ppo-hmo-plans\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.hanoverroaddental.com\/blog\/2020\/10\/22\/the-difference-between-dental-ppo-hmo-plans\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.hanoverroaddental.com\/blog\/wp-content\/uploads\/2020\/11\/Man_reviewing_dental_plans_on_laptop__-2.jpg\",\"datePublished\":\"2020-10-22T23:30:00+00:00\",\"dateModified\":\"2020-11-19T23:30:29+00:00\",\"author\":{\"@id\":\"https:\/\/www.hanoverroaddental.com\/blog\/#\/schema\/person\/d96112b7b95deacca5dfd31fcc4465f6\"},\"description\":\"The two most common types of dental plans are PPOs and HMOs, but how are they different? 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