What is a PPO dental insurance plan in 2024?
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PPO stands for Preferred Provider Organization. It is a type of dental insurance plan that gives you the freedom to choose any dentist you want, but you'll save the most money on covered services if you see a dentist in your PPO dental insurance network.
So how exactly does PPO dental insurance work? What are its benefits? How to get one? Read our complete guide to know more.
Once you know everything you need to about how a PPO dental insurance plan works, you can use our free comparator below and compare the best plans and get personalized quotes in no time.
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How does PPO dental insurance work?
PPO dental insurance in Canada operates on a preferred provider organization model. Policyholders have the freedom to choose their dentists, whether in-network or out-of-network.
For instance, a resident in Toronto with a PPO dental insurance Ontario plan can visit any dentist of their choice. If they choose an in-network dentist, they benefit from negotiated lower rates for services, reducing their out-of-pocket expenses. When opting for out-of-network care, the plan still provides coverage, but at a slightly higher cost.
Overall, PPO dental insurance offers flexibility and cost savings while ensuring access to a wide range of dental care providers.
For example
Williams, an Ontario resident, has PPO dental insurance. She visits an in-network dentist, Dr. Patel, for a filling. The negotiated rate through her plan is $150. Later, Williams needs oral surgery with an out-of-network specialist, Dr. Lee. Her plan still covers the procedure, but she pays 20% more, making her cost $300. PPO dental insurance therefore provides Williams flexibility and savings with access to various dental care providers in Ontario.
What does PPO dental insurance cover?
PPO dental plans typically cover a wide range of dental services, including:
- Preventive care: Exams, cleanings and X-rays
- Basic services: Fillings, tooth extractions, and root canals
- Major services: Crowns, bridges and dentures
Some PPO dental plans may also cover orthodontic treatment and other specialty services.
Can you get PPO dental insurance in Canada?
Yes, you can get a PPO dental plan through your employer. Many Canadian employers offer PPO dental plans as part of their benefits package.
You can also get PPO dental plans through Canadian insurance companies and government websites. However, some companies may not offer their services in Canada.
For example
For instance, Cigna PPO dental insurance is available in the USA but not in Canada. The same is the case with Aetna PPO dental insurance.
Here are some examples of Canadian insurance companies that offer dental plans — standalone or as a part of health plans:
- Manulife dental insurance
- Sun Life dental insurance
- Blue Cross dental insurance
- Canada Life dental insurance
- Desjardins Dental insurance
- RBC dental insurance
Check out their coverage options to see if they meet your requirements. You can use our comparator to compare their prices and make an informed decision. Get hassle-free dental insurance in minutes!
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What is the cost of PPO dental insurance in Canada?
PPO dental insurance quotes can vary depending on a number of factors, including your age, location, health history, and the specific plan you choose. However, here are some general estimates of what you can expect to pay for PPO dental plans:
- Individual: $30-$80 per month
- Family: $100-$250 per month
If you are interested in getting a PPO dental plan, you can compare plans from different insurance companies to find the one that is right for you. Check out the ones we discussed above. You can also talk to your employer to see if they offer a PPO dental plan.
What are the benefits of PPO dental insurance in Canada?
Here are four key benefits of PPO dental insurance in Canada:
- Wide Network of Dentists: PPO plans typically have extensive networks of dental professionals. Policyholders can choose from a broad range of dentists, giving them flexibility in selecting a provider who suits their preferences and needs.
- Cost Savings: PPO plans often offer negotiated, discounted rates for in-network dental services. This can lead to substantial cost savings compared to paying for services out of pocket or with a non-PPO plan.
- Out-of-Network Coverage: While PPO plans encourage the use of in-network dentists, they still provide coverage for out-of-network care. This flexibility allows individuals to consult specialists or visit preferred dentists, albeit at a slightly higher cost.
- No Referrals Required: PPO plans usually don't require policyholders to obtain referrals to see specialists. This streamlined process simplifies access to specialized dental care, making it more convenient for patients to address their oral health needs.
