PPO Dental Insurance for Seniors in Florida | NLIALLC
We offer nationwide PPO dental insurance that covers a range of procedures from preventative to major procedures. With a PPO plan you are able to stay with your preferred dentist and take your plan with you as you travel.
Dental PPO (Preferred Provider Organization) plans offer a network feature and usually offer a balance between lower costs and dentist choice. PPO dentists participate in the network thereby agreeing to accept contracted fees as payment in full rather than their usual fee for patients with the PPO. When you visit a PPO dentist, you typically pay a certain percentage of the reduced rate (called coinsurance) and the plan pays the rest. The percentage usually varies by the type of coverage such as diagnostic and preventive, major services, etc. For example, preventive services may be covered at 80% (you would pay 20%), while crowns and bridges may be covered at 50%. PPOs usually require you to meet a deductible and have an annual maximum amount of coverage (example: $1,000 per year).
While you typically have the lowest out-of-pocket costs if you visit a PPO dentist, the plan allow you to visit the dentist of your choice, even if she is not in the network.
Since Delta Dental PPOSM1 offers one of the most extensive dentist networks in the nation, it's usually easy to find a PPO dentist so that you can maximize your savings. And when you visit a Delta Dental dentist, she will submit your claims for you and accept payment directly from Delta Dental. You'll only have to pay your portion of the service rather than pay the entire fee and wait for reimbursement. Delta Dental PPO is offered on a voluntary basis to individuals who are members of various associations and organizations that have purchased group coverage for their membership. (For example, AARP members may join the AARP Dental Insurance Plan).