Understanding PPO Dental Insurance in Las Vegas

How PPO Insurance Works

Without the right information, dental health insurance can be confusing or overwhelming. That’s why it is vital to understand how dental insurance benefits work, and why a PPO plan may be best for you.

In-Network vs. Out-Of-Network Dentists

In-network dentists are contracted with the insurance company to provide discounted rates for treatments and services. If you choose an in-network dentist, you get the full benefits outlined in your PPO insurance policy.

You also have your choice of dentists who are not within the PPO network. If you decide to use an out-of-network dentist, you will not get the discounted rates that in-network dentists offer. However, PPO plans will cover portions of different dental treatments performed by out-of-network dentists.
Contact Absolute Dental to find an in-network dentist near you

Co-Pays, Deductibles, and Annual Maximums

A few key elements of dental insurance plans are co-payments, deductibles, and annual maximums.

• Co-payments: A co-payment is the amount a patient pays out-of-pocket for each service. While co-pays are typically associated with HMOs, some PPOs require co-pays for certain treatments.

• Deductibles: Dental PPOs have annual deductibles, which is the amount you must pay before your benefits go into effect. After reaching your deductible, your PPO plan will start to pay the agreed-upon percentage for dental services.

• Annual maximums: PPO dental plans have a maximum amount they will cover each year. This will reset annually.

Coverage for Preventive, Basic, and Major Services

While every PPO policy is different, you can expect your plan’s coverage to include:

• Preventive and diagnostic services: These services identify and treat dental conditions before they progress to more complicated issues. Examples include teeth cleanings and X-rays.
• Basic restorative services: Basic treatments are for minor problems, such as dental fillings for cavities, or scaling and root planing for gum disease.
• Major restorative services: If dental issues are severe, major restorative services are complex treatments that require time and expertise, including root canals and dental bridges.

While preventive and diagnostic procedures are usually 100% covered, basic and major services are partially covered. Refer to your policy to see what percentage your insurance will cover.

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Tips for Maximizing Your PPO Plan

If you want to make the most of your PPO plan, here are helpful dental insurance tips to maximize your benefits:

• Prioritize preventive care, including check-ups and cleanings. Preventive services should be fully covered by your plan.
• Familiarize yourself with your policy to avoid unexpected costs and unnecessary expenses.
• Work with in-network dentists to access discounted rates and the full potential of your PPO dental plan.

Finding Las Vegas Dentists Who Accept Your PPO Plan

You can find a qualified dentist within your PPO insurance network by using your insurance provider’s online tools or directories. Simply search for dentists in your area to find one that works for you and your family.

PPO Dental Insurance in Las Vegas

Choosing the right dentist can help you stay on top of your dental health, and maximize your dental benefits, lowering out-of-pocket expenses.

At Absolute Dental, we accept most dental insurance, including PPO plans. We also offer flexible payment plans, and discounts through our Smile Saver program. Contact our team to learn more about our services, what insurance we take, and what location is closest to you.

Book an appointment at Absolute Dental today.