What is a PPO (Preferred Provider Organization) dental insurance? It is a type of dental insurance that allows you to work with a group of in-network dentists who are willing to provide your oral health care at reduced rates. There are various PPO dental plans with different level of benefits that you can enroll, but on average, you will be allowed $1,000 to $2,000 per year to spend on certain dental procedures. Most plans will cover preventative and diagnostic procedures such as comprehensive exam, emergency exam, X-rays, and regular dental cleaning (prophylaxis). Dental sealants and fluoride varnish are sometimes covered by your plan if your dependents are under a certain age limits, varies from 14-16 years old.
There are two categories of dental services: 1) basic dental services, and 2) major dental services. Basic category included dental fillings, periodontal scaling and root planing (deep cleaning), and dental extractions. Major category included dental bridges, dental implants, root canal therapy, partial or complete dentures, impacted wisdom teeth extraction. Sometimes, one insurance company will categorized a certain dental procedures, for example, root canal therapy and crown, as basic dental services, whereas another insurance company will categorized it as major dental services. Both will require deductible, typically $50-$100, be met before benefit coverage started. In addition to the annual dental benefits, some dental plans will have orthodontic coverage as well. Orthodontic coverage can be a separate category of benefits and does not use up your routine dental benefits.
You save money by going to an in-network dentist because the dental insurance and the provider have mutually agreed on a fee schedule. If you are going to an out-of-network dentist, you are responsible for the difference if the fees are higher. Out-of-network dentist can charge whatever fees he or she thinks is appropriate, and ultimately, the patients will be responsible.
Ultra White Dental accepts the following PPO dental insurance:
- Aetna PPO
- AlwaysCare Dental PPO
- Ameritas PPO
- Assurant PPO
- Blue Cross Blue Shield (BCBS) PPO
- Careington PPO and Discount Plans
- Cigna PPO
- GEHA Connection Dental PPO
- Dearborn National PPO
- Delta Dental (including Federal Government Program) PPO
- Dental Select (Silver Discount Plan, Gold Co-pay/Co-Insurance, Platinum Co-Pay/Co-Insurance)
- DenteMax PPO
- FCL Dental PPO
- Guardian PPO
- Humana PPO
- Lincoln Financial PPO
- Memorial Hermann PPO
- Metlife PPO
- Principal PPO
- Sun Life Financial PPO
- The Standard Insurance PPO
- TruAssure Dental PPO
- UMR (third-party administrator)
- United Concordia PPO
- UnitedHealthCare (PPO and discount plans)
- SingleCare Discount Plan
- CareCredit Payment Plan
We also accept DHMO (Dental Health Maintenance Organization) plans:
- Cigna DHMO
Ultra White Dental works closely with CareCredit to provide you affordable health care. We understand that oral health is your top priority. For this reason, we offer multiple payment options: 6 months, 12 months, 18 months or 24 months-interest free. Please visit www.carecredit.com for additional information or fill out an application on the website.
Please contact us or call (832) 589-0671 for more information.
Ultra White Dental
9727 Spring Green Blvd #200
Katy, TX 77494
Phone: (832) 589-0671