Preferred Provider Organization (PPO) Plans
Preferred Provider Organization (PPO) Plan
Preferred Provider Organization (PPO) plans offer the member with the option of choosing their dentist in the Cypress Dental PPO network or out-of-network, while still sharing a cost with Cypress Dental Insurance and the member. Members can maximize their savings when visiting a dentist in the plan’s network. The dentist will submit a claim after the visit and will not bill the member more than the agreed amount. Typically, the plan pays a percentage of the treatment cost, and the member is responsible for paying the balance. The patient’s responsibility is called coinsurance, which is the lower of the percentage cost owed by the member after the plan’s deductible is reached. The in-network dentists have agreed to charge their dental services at a reduced contracted rate, which lowers out-of-pocket costs for members. PPO Plans have a Calendar Year Maximum (CYM), which is the most a dental plan will pay for services within a benefit period (after the benefit year deductible is met). This excludes orthodontia, as plans that include this treatment is always subject to a Lifetime Maximum.
Cypress Dental offers an array of PPO plan designs to tailor the specific needs of different companies and its employees. We offer flexible and convenient group requirements, that make enrolling a simple and easy experience. Customization may be focused on any of the following: Plan deductibles; Calendar Year Maximums (CYM); services by Class Level (Class I Basic, etc.); and many other plan specifics.