Dental HMO plans typically have lower monthly premiums than comparable PPO plans
Dental PPO plans typically have higher premiums than comparable HMO plans
Out-of-pocket costs may run higher in a DPPO plan
Out-of-network visits are typically not covered
Out-of-network visits are covered, however, in-network visits may have lower out-of-pocket costs
Yes, some DHMO plans may base benefits on coinsurance percentages
Yes, typically DPPO plans base benefits on coinsurance percentages
DHMO plans typically do not have a deductible
DPPO plans typically have an annual deductible but some plans may waive it if you stay in network for preventive services
Yes, DHMOs typically include set copayments
Often there is minimal or no copayment for preventive and diagnostic care
Sometimes, depending on type of service
No, most DHMO plans do not have an annual maximum
Yes, DPPOs include a maximum amount of annual coverage
Under a DHMO plan, you may have to choose an in-network primary dentist for all your dental care needs. If you need to visit a dental specialist, your primary dentist must refer you to an in-network dental specialist
Dental PPOs do not require you to pick a primary dentist and you can visit any licensed dentist in or out of network. You won’t need referrals to visit specialists
You may pay less out-of-pocket for in-network dentists and specialist visits, compared to visiting an out-of-network dentist
Smaller network. Out-of-network costs are not covered
Larger network
Out-of-network costs may be covered
Referrals may be needed to see specialists
No referrals are required