Dental Plan, PPO, or HMO? What's the Difference?
HMO – (Health Maintenance Organization) A form of health or dental insurance combining a range of coverages on a group basis. A group of doctors and other medical professionals offer care through the HMO for a flat monthly rate with no deductibles. However, only visits to professionals within the HMO network are covered by the policy. All visits, prescriptions and other care must be cleared by the HMO in order to be covered. A primary physician within the HMO can handle referrals.
PPO – (Participating/Preferred Provider Organization) – A health or dental care organization composed of physicians, hospitals, or dentists that provide services at a reduced fee. A PPO insurance is similar to an HMO, but care is paid for as it is received instead of in advance in the form of a scheduled fee. PPOs may also offer more flexibility by allowing for visits to out-of-network professionals at a greater expense to the policy holder.
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Dental Plan, PPO, or HMO? What's the Difference? HMO – (Health Maintenance Organization) A form of health or dental insurance combining a range of coverages on a group basis. A group of doctors and other medical professionals offer care through the HMO for a flat monthly rate with no deductibles. However, only visits to professionals within the HMO network are covered by the policy. All visits, prescriptions and other care must be cleared by the HMO in order to be covered. A primary physician within the HMO can handle referrals. PPO – (Participating/Preferred Provider Organization) – A health or dental care organization composed of physicians, hospitals, or dentists that provide services at a reduced fee. A PPO insurance is similar to an HMO, but care is paid for as it is received instead of in advance in the form of a scheduled fee. PPOs may also offer more flexibility by allowing for visits to out-of-network professionals at a greater expense to the policy holder. http://www.smilemakerpa.com/