Generally under most dental PPO insurance plans a limited oral evaluation is consider preventive service. A limited oral evaluation is problem focused, which is an evaluation that is limited to a specific oral health problem.
This may require interpretation of information acquired through additional diagnostic procedures. Definitive procedures may be required on the same date as the evaluation. Typically, patients receiving this type of evaluation have been referred for a specific problem and/or present with dental emergencies, trauma, acute infection, etc.
Under dental PPO insurance plans many come with a deductible, such as 50.00 per person per calendar year. (Although the deductible will very depending on the plan) A deductible is the dollar amount you need to pay before plan benefits start.
Question: Under PPO plans I see they have what it called waiting periods but not sure I understand fully what that means.
Answer: Many PPO plans will have waiting periods for both basic and major dental care services. So generally what benefits you do receive at the start of the plan is preventive dental care such as office visit, X-rays, and Cleaning’s. Where as you may find you have to wait six months until you have a filling covered under the plan, and twelve months for a crown to be covered. Course waiting periods will very depending on the plan term and conditions.
Question: I am a single mom of a seven year old. I looking for a PPO dental insurance plan for the both of use. Do I have to buy a family plan or can I get a couple plan? Not sure if couple is for people who are married.
Answer: Yes you can buy any of our dental insurance plans for a couple since it is just the two of you. Couple plans are for married people our an Adult with a dependent child.
When thinking about buying a dental PPO insurance plan make sure you understand the plans terms and conditions fully. There are many benefits to having dental PPO insurance plan. One such benefit is having your dental care at a more affordable cost. PPO dental insurance plans also have a very large dental provider data base, providing you with more in network dental office options to choose from as well as most PPO dental insurance plans provide benefits to out of network dentist. Letting you stay with your current dentist even if your dentist is not a provider of the PPO plan.
However, with that said PPO plans also have some limitations which we talked about in prior posts. Such as waiting periods, maximum limitations and deductible/office co-pays. By understanding the plans terms and conditions will be able to maximise your plans benefits to fit your dental needs.