Florida Dental Insurance, Why go with a PPO over a HMO dental insurance plan.
Florida Dental Insurance, Why go with a PPO over a HMO dental insurance plan? My boy friend needs a few dental fillings and since he does not have dental insurance though is job I told him I would help him find dental insurance since he works all day.
Up until recently, I have always thought that PPO plans where much better the HMO plans. In fact for Health Insurance I still feel that way. However, after reveiwing dental insurance, there seems to be an amazing discrepancy. I was so shocked at the differences.
With an HMO I can get dental insurance as low as $10.00 a month get preventive dental care for no cost and still have very low cost for the filling my boyfriend needs at around $30 – $80 depending on how big the cavity is. Which my boyfriend was quoted way more then this with out insurance.
Now with dental PPO plans then run any where between $30 -$50 a month and on top of that they have a six month waiting period for the filling my boyfriend needs as well as yearly max dollar limitations that I do not see on dental HMO.
This seems so off that why would any one buy PPO plans? I am thinking there is something I am not seeing that would make sense to me once told. I may not know much about dental insurance but after being on line for the pass few days and reading all the different terms and conditions what am I missing here?
