Wednesday, September 17, 2008

How to Get an Individual PPO Dental Plan

Preferred Provider Organizations (PPOs) are typically those that have a closed panel of dentists, specialists and surgeons from whom a policyholder has to choose for getting treatment. Remember that individual PPO dental plans offer less flexibility in accessing dental services and treatment costs.


Step1 : Go online and search for companies offering dental plans. Ask for online quotes from top companies as they usually offer wider coverage. Many online sites offer an option to choose the dental plan before you can receive a quote. PPOs are the cheapest dental plans and there are several sites giving you instant online quotes.

: Pick up your local directory and call the local insurance agent. Request quotes for a PPO plan. Ask about new offers and discounts.

Step3 : Consider membership in various institutions. This affiliation can help you obtain discounts on your PPO policy, as some institutions have tie-ups with insurance providers.

Step4 : Find the name of your nearest dentist (or your current dentist) and see if he or she is in the network of PPO dentists of the plan you are considering. Non-participating dentists are usually not available under the provisions of a PPO plan.

Step5 : Shop around for the cheapest quote. PPOs are less expensive when compared to indemnity dental plans. Make sure you check the type of coverage and its clauses before finalizing the plan. Send in your premium payment and get insured.

Tips & Warnings

* Using credit cards to make payments can also get you discounts.
* By increasing the deductibles, you can lower your premium.
* Buying online can save money.
* Visiting a dentist outside the network can be expensive. Clarify payment terms in case of emergency and similar events.
* Some plans allow you to schedule the appointment based on convenience while others require you to visit the dentist within the PPO network on their available time and date. With dental problems, this may not always be convenient.

By eHow Personal Finance Editor

How to Find an Affordable Dental Plan for the Family

Dental insurance plans differ from one company to another. All companies have one common aspect: they do not provide a comprehensive coverage that includes all kinds of treatment under a single plan. Therefore, it makes sense to find a plan that is not very expensive and provides wide coverage. Make sure that the plan is affordable, especially when there are out-of-pocket expenses.


Step1 : Remember, affordable does not mean cheap. Assess your family needs for dental care and choose a plan based on need and your financial capacity. You don't want to be underinsured by paying less.

Step2 : Contact your employer. Your employer most likely has a group policy for the employees. Enrolling your name with your family under a group policy is the best health option, if possible. This will save a lot of money on premium costs.

Step3 : Go online and shop for quotes. Several companies offer different insurance plans. Find a plan that is affordable based on your family’s needs. Visit It has a comprehensive list of dental plans with single as well as family fees. Family dental plans cost an average of $115 to $160 annually.

Step4 : Look for discount dental plans. You can also choose a dental plan based on the area code of your residence. These plans generally cost less for dental checkups. Although the coverage on this plan is restrictive, it is more affordable than other plans.

Step5 : Talk to a dentist and take suggestions. Dentists have relationships with several insurance providers. They can guide you in getting affordable dental coverage.

Step6 : Talk to friends and colleagues. Ask how they got their dental insurance coverage. You may get good suggestions on affordable plans.

Step7 : Do your own research through health magazines and hospital guidebooks. This kind of analysis will enable you to compare plans, quotes and suggestions. You will most likely find an affordable plan for your family.

Step8 : Remember, dental plans come usually under the Dental Health Maintenance Organizations (HMO) and Preferred Provider Organization (PPO) categories. The HMO dental plans allow you to choose a dentist or group of dentists to handle your treatment while PPO restricts your choice to the list of dentists available in your area. (I THINK IT IS THE OPPOSITE) Choose a right plan that is affordable.

Tips & Warnings

* Working couples are advised to buy a group policy under a single employer. If both employers offer a group plan, compare plans and choose the best one.
* Choose preventive care as the best option when using benefits of a dental plan. It will cost you less and ensure the best use of your dental insurance.

By : eHow Health Editor
Source :

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