Best PPO Dental Insurance: Which One Should You Choose?

Dental insurance is one of those expenses that people avoid because they believe it is an unnecessary luxury. However, dental care is essential for maintaining healthy teeth and gums. If you’re looking for the best PPO dental insurance, you’ve come to the right place. In this article, we’ll explore the best options and help you decide which one is right for you.

What is PPO Dental Insurance?

PPO stands for Preferred Provider Organization. A PPO dental insurance plan is a type of dental insurance where you can choose any dentist you want, but you receive the best benefits if you use a dentist that is within the PPO network. With a PPO dental insurance plan, you’ll get discounted rates and save money on most dental services, including routine check-ups, cleanings, fillings, and crowns.

Advantages of PPO Dental Insurance

The following are advantages of PPO dental insurance:

1. Freedom to choose a dentist of your choice
2. Lower out-of-pocket costs when using an in-network provider
3. Deductibles and copays are usually lower than other types of dental insurance plans

Disadvantages of PPO Dental Insurance

The disadvantages of PPO dental insurance are:

1. The premiums can be higher than other types of dental insurance plans
2. Some services may not be covered
3. Out-of-network providers may charge higher rates

Top 5 Best PPO Dental Insurance Plans

There are many PPO dental insurance plans available, but we’ve narrowed down the top 5 options:

Plan Name	Annual Deductible	Annual Maximum Benefit	Monthly Premium
Delta Dental	$50	$1,500	$35
Cigna	$50	$1,500	$29
Humana	$50	$1,500	$30
MetLife	$50	$1,500	$29
UnitedHealthcare	$50	$1,500	$35

1. Delta Dental

Delta Dental is one of the most popular dental insurance providers in the United States. They offer PPO dental insurance plans with low annual deductibles and high annual maximum benefits. Delta Dental also provides coverage for orthodontic treatments, such as braces.

Pros of Delta Dental

1. Large network of dentists
2. Covers a wide range of dental services
3. Easy to use online tools and resources

Cons of Delta Dental

1. Limitations on certain services
2. Higher premiums than some other PPO dental insurance plans
3. Some reviews indicate poor customer service

2. Cigna

Cigna is another popular dental insurance provider that offers PPO dental insurance plans. They have low annual deductibles and provide coverage for preventive, basic, and major dental services. Cigna also offers discounts on orthodontic treatments.

Pros of Cigna

1. Low annual deductibles
2. Provides coverage for a wide range of dental services
3. Offers discounts on orthodontic treatments

Cons of Cigna

1. Higher premiums than some other PPO dental insurance plans
2. Out-of-pocket costs can be high for major dental services
3. Some reviews indicate poor customer service

3. Humana

Humana is a dental insurance provider that offers PPO dental insurance plans with low annual deductibles and high annual maximum benefits. They also offer coverage for preventive, basic, and major dental services. In addition, Humana provides discounts on orthodontic treatments.

Pros of Humana

1. Low annual deductibles
2. High annual maximum benefits
3. Provides coverage for preventive, basic, and major dental services

Cons of Humana

1. Higher premiums than some other PPO dental insurance plans
2. Some reviews indicate poor customer service
3. Out-of-pocket costs can be high for major dental services

4. MetLife

MetLife is a dental insurance provider that offers PPO dental insurance plans with low annual deductibles and high annual maximum benefits. They provide coverage for preventive, basic, and major dental services. MetLife also offers discounts on orthodontic treatments.

Pros of MetLife

1. Low annual deductibles
2. High annual maximum benefits
3. Provides coverage for preventive, basic, and major dental services

Cons of MetLife

1. Higher premiums than some other PPO dental insurance plans
2. Out-of-pocket costs can be high for major dental services
3. Some reviews indicate poor customer service

5. UnitedHealthcare

UnitedHealthcare is a dental insurance provider that offers PPO dental insurance plans with low annual deductibles and high annual maximum benefits. They provide coverage for preventive, basic, and major dental services. UnitedHealthcare also offers discounts on orthodontic treatments.

Pros of UnitedHealthcare

1. Low annual deductibles
2. High annual maximum benefits
3. Provides coverage for preventive, basic, and major dental services

Cons of UnitedHealthcare

1. Higher premiums than some other PPO dental insurance plans
2. Out-of-pocket costs can be high for major dental services
3. Some reviews indicate poor customer service

FAQs

1. What is PPO dental insurance?

PPO stands for Preferred Provider Organization. A PPO dental insurance plan is a type of dental insurance where you can choose any dentist you want, but you receive the best benefits if you use a dentist that is within the PPO network.

2. What are the advantages of PPO dental insurance?

The advantages of PPO dental insurance are:

1. Freedom to choose a dentist of your choice
2. Lower out-of-pocket costs when using an in-network provider
3. Deductibles and copays are usually lower than other types of dental insurance plans

3. What are the disadvantages of PPO dental insurance?

The disadvantages of PPO dental insurance are:

1. The premiums can be higher than other types of dental insurance plans
2. Some services may not be covered
3. Out-of-network providers may charge higher rates

4. How do I choose the best PPO dental insurance plan?

To choose the best PPO dental insurance plan, consider the following:

1. Check if your preferred dentist is within the PPO network
2. Compare the annual deductibles and annual maximum benefits
3. Review the list of covered dental services
4. Check the premiums and out-of-pocket costs

5. Can I switch to a different PPO dental insurance plan?

Yes, you can switch to a different PPO dental insurance plan during the open enrollment period or in case of a qualifying life event, such as a marriage, divorce, or birth of a child.

Conclusion

Choosing the best PPO dental insurance plan can be challenging, but it’s important to have dental insurance coverage to maintain healthy teeth and gums. Delta Dental, Cigna, Humana, MetLife, and UnitedHealthcare are some of the best PPO dental insurance plans available. Consider the list of covered dental services, annual deductibles, annual maximum benefits, premiums, and out-of-pocket costs to choose the best plan that suits your needs.