CONSULATE
Consulate Dental Plans, Participating Providers.
If you want to stay with your current dentist, and are shopping for a dental PPO plan, it is important to know if you current dentist is a provider of the PPO plan you are reviewing. Although most PPO dental insurance plans do provide benefits for out of network providers, it can effective the coverages you receive under the plan and how claims are filed.
As an example: Your dentist may “participate” in the network for your dental plan. If your dentist does, he or she will submit your claim. If not, you may be responsible for paying your dentist and submitting your claim to your insurance carrier.
As far as coverages when reviewing a PPO plan make sure to look to see if there are two sets of coverages one for in network providers and one for out of network providers. It is not uncommon to see coverages are reduced if you choose to go to a out of network provider.