Dental Treatment Guide
PPO vs HMO Dental
Coverage structure and cost comparison—so you can choose the plan type that fits your needs and dentist preferences.
PPO vs HMO at a glance
PPO plans usually cost more monthly but allow broader dentist choice (including out-of-network options). HMO plans typically have lower premiums but require in-network care and a primary dentist selection.
| Feature | PPO | HMO |
|---|---|---|
| Monthly premium | $30–$70 individual | $15–$30 individual |
| Provider choice | Large network; out-of-network possible | Restricted network; out-of-network not covered |
| Cost style | % co-insurance + deductible | Fixed copays, usually no deductible |
| Annual maximum | Often $1,000–$2,000 | Often none or higher cap |
Real-world cost scenarios
Routine care only
Often best for HMO
Lower premiums can dominate the math if you mainly need cleanings and exams.
Moderate treatment
Depends on fee schedule
Compare allowed amounts, deductible, and whether your dentist is in-network.
Extensive treatment
Annual max matters
PPO annual maximums can cap insurance payments; HMOs may outperform for large work if network access is good.
Decision tip: If you want to keep your current dentist, start by checking network participation. Provider continuity is often worth the premium difference.