Looking For A PPO Dental Plan? Here’s How To Choose The Best
Trying to figure out the best PPO dental plan? With dozens of options out there, choosing the right strategy can feel more confusing than a root canal appointment you didn't see coming. What exactly makes a PPO plan worthwhile? What should I look for? Is there a "best" plan out there for my needs, or is it all just marketing?
Good questions—and the answers could save you hundreds of dollars a year (not to mention help keep your smile in top shape). Whether you're looking to switch plans or sign up for the first time, here's a deep dive into finding a PPO dental plan that fits your needs.
What Is A PPO Dental Plan—And Why Do So Many People Choose It?
Before we get into comparisons and coverage, let's break it down.
PPO stands for Preferred Provider Organisation. It's a type of dental insurance that offers a broad network of dentists, but also allows you to see out-of-network providers if you choose. That flexibility is the key reason people opt for PPOs over other types of dental plans, such as DHMOs.
Here's why PPO dental plans are a favourite in 2025:
Large Network
You can choose from a wide range of dentists.
No Referrals Needed
You can see a specialist directly.
Partial Out-Of-Network Coverage
You'll still receive some coverage even if your provider isn't part of the plan's network.
So far, so good. Now, let's discuss how to identify a great PPO dental plan from the not-so-great ones.
Key Features To Look For In A PPO Dental Plan
It’s not just about the monthly premium. Here are the most important features to check when comparing plans:
Annual Maximum Limit
This is the total amount your plan will pay in a year for your dental care.
Pro Tip: In 2025, look for plans offering $1,500 or more as the annual maximum. If you expect major work, such as crowns or bridges, the higher this number, the better.
Preventive Care Coverage
Cleanings, exams, and X-rays should be 100% covered.
Most PPO plans offer this, but double-check. Some sneak in a small copay or deductible even for basic services.
Waiting Periods
Some plans require a wait of 6 to 12 months before you can obtain coverage for anything beyond preventive care.
Quick Tip: If you require immediate dental care, opt for a plan with no waiting periods.
Coverage For Major Services
Consider the benefits of the plan, including coverage for crowns, root canals, oral surgery, and dentures.
A good PPO plan should cover at least 50% of major procedures. Be wary of plans that only offer token coverage or require high deductibles first.
Out-Of-Network Benefits
Even though PPOs allow out-of-network visits, some plans penalize you with higher costs if you don’t stay in-network.
Look for plans that offer reasonable reimbursement for out-of-network services, especially if you already have a dentist you like.
Top PPO Dental Plans To Watch
There’s no single “best” plan for everyone, but a few PPO providers consistently get top marks for customer satisfaction, affordability, and broad coverage.
Delta Dental PPO
- One of the largest networks in the U.S.
- Strong preventive care coverage
- Several plan options for individuals and families
- Some plans have no waiting periods for basic services
Best for: Individuals seeking access to a vast network and customizable options.
Cigna Dental PPO
- Free preventive care
- Plans start at $19/month in some regions
- Covers orthodontics on some plans
- Clear breakdowns of coverage tiers
Best For: Individuals seeking budget-friendly premiums with decent coverage for major procedures.
Humana Dental PPO
- Many plans include vision and hearing discounts
- Strong reputation for senior plans
- Offers loyalty programs—your benefits increase over time
Best for: Seniors or those seeking long-term benefits and bundled services.
Guardian Direct PPO
- 100% coverage on cleanings and exams
- Offers generous annual maximums—some plans go up to $1,500+
- Transparent pricing and plan options online
Best For: Tech-savvy users who want to compare and buy online quickly.
MetLife Dental PPO
- Excellent network of providers
- Strong coverage for families
- Includes perks like child orthodontics and oral health apps
Best for: Families or individuals requiring coverage for multiple members.
How To Pick The Right PPO Dental Plan For You
Now that you’ve got the big names and features in front of you, it’s time to personalize your choice.
Ask yourself these questions:
Do I Already Have A Dentist I Like?
Check if they're in-network for the plan you're considering. Out-of-network coverage can still be adequate, but you'll typically pay more. Some PPOs offer decent reimbursement for out-of-network visits, but it varies widely.
Do I Expect Any Major Dental Work In The Next Year?
If yes, prioritize higher annual maximums and lower deductibles. Also, look for plans with immediate or short waiting periods for major procedures.
Am I Mainly Looking For Preventive Care?
You can opt for a lower-cost plan if all you need are cleanings and check-ups. Just confirm it covers two visits per year at 100%.
Do I Want Coverage For Dependents?
Ensure your plan includes orthodontics or child-specific benefits, as needed. Some family plans also include perks such as fluoride treatments and sealants for children.
Do I Prefer Digital Tools And Support?
Some providers offer great mobile apps, online appointment booking, and instant claim tracking. If you value convenience and want to manage your dental care from your phone, this is worth considering.
Ready To Choose Your Plan?
Finding the right PPO dental plan doesn't have to feel overwhelming. Start with your personal needs—then look for plans that check off those key boxes: no waiting periods, strong preventive coverage, reasonable reimbursement for big treatments, and a reliable network of dentists.
With a bit of research and smart comparing, you’ll land on a plan that saves you money and keeps your smile looking its best all year long.
