Question: What is the best individual dental plan to get? I have a budget of $40.00 a month on dental insurance, and I wonder if it is better to go with a lower-cost HMO plan or max my budget and get a PPO plan with a low max limitation of 1000.00.
Answer: This question depends on your own dental care needs. A low-cost HMO plan such as our California Dental and or Delta Dental is not only more affordable than our PPO options, but HMOs tend to make budgeting dental care services easier since they base their benefits on a fee schedule, which lets you know the cost for each covered service.
A PPO is more provider-friendly. PPO insurance plans allow you to choose from a broader provider list than HMO plans. However, they also typically provide benefits to non or outside-network providers. If you are still trying to decide about your options, call our member service line at 310-534-3444, as they will be happy to help you with the available dental plan options.