October 6, 2015

Published by Cashion Dental on December 8, 2015

Published by Cashion Dental

Dentists in College Station, TX, provide their clients with advanced dental services like Invisalign braces, titanium implants, and pain-eliminating sedatives like nitrous oxide. However, many patients cannot afford to pay out-of-pocket to receive the benefits of modern dentistry.

Most dentists understand the financial necessity of dental insurance to the majority of their clients. For this reason, they will typically accept any of the major types of dental insurance, including the following:

  • Preferred Provider Organizatioin (PPO): This type of coverage strikes a balance between treatment cost and dentist choice. Deductibles are low as long as you use a dentist within your PPO network. Dentists agree to accept a lower fee from clients in the network, but gain extra clients by joining it.
  • Indemnity: These plans, also called “fee-for-service” and “traditional,” maximize your choice of dentists. The terms require you to pay a percentage-based fee that varies with each type of service.
  • Dental Health Maintenance Organization (DHMO): DHMO plans are also known as “pre-paid.” The insured party is required to pay a fixed co-payment for each type of service, but often, preventative and diagnostic care are exceptions that involve no out-of-pocket expenses. As long as you stick with network dentists, costs are low, but if you go outside the network, you may have to pay the full bill.
  • Dental Provider Organization (DPO): These relatively rare plans operate either by rewarding you for staying in the network or by penalizing you for not doing so. They sometimes cover 90% to 100% of costs, but the policies and are very expensive.