Here are some of the top reasons for problems patients having Dental PPO plans.
- Many plans have low annual maximum amount of coverage. Limiting the amount the insurance company will be in any given year.
- Most have co-pays for procedures meaning higher out of pocket fees.
- Waiting periods for major services. Many plans will not cover basic and major services for the first year of the plan.
- Dental PPO plans often have limitations on the procedures they cover. For example, they won’t cover Orthodontics for adults or cosmetic procedures.
- Treatment driven by insurance, not need. The restrictions and reimbursement limits of dental PPO plans can lead to treatment decisions being dictated by insurance companies coverage, rather than the patient’s actual needs or the dentists professional judgement.
- Use it or lose it Benefits. Dental PPO benefits yearly max does not roll over into the next year.
- Pre-existing condition clauses. For example, If a tooth was missing before the plan started, they won’t cover a replacement if they have the missing tooth clause.
- Consider not buying a dental plan and just paying out of pocket for Dental treatment. You may find your self happier and healthier.
