DHMO vs PPO Insurance: What’s the Difference?

DHMO vs. PPO: Key Differences

To summarize, here's a quick comparison of how DHMO and DPPO plans compare:¹

• Cost: DHMOs usually have lower premiums, while DPPOs tend to cost more.
• Flexibility: DPPOs let you choose your preferred dentist, while DHMOs only cover in-network care.
• Referrals: DHMOs often require referrals for specialists, while DPPOs typically do not.
• Out-of-network coverage: DPPOs may offer partial coverage, while DHMOs usually don’t offer any coverage.
• Annual limits: DPPOs often have annual maximums, while DHMOs typically do not.

DHMO vs. PPO: Chart comparison¹

How to choose between a DHMO vs. DPPO plan

Now that you understand the key differences between DHMO and DPPO plans, you may be wondering which plan is right for you. Here are a few questions that you can ask yourself to help narrow down your selection:

• What’s your budget for monthly premiums?: Your monthly premium is the amount you pay each month to maintain your dental insurance coverage. In most cases, DPPO plans come with higher monthly premiums than DHMO plans.
• What type of dental care do you need?: If you only plan to use your dental insurance to cover routine care, such as biannual cleanings and exams, a DHMO plan may be all you need. However, if you anticipate needing more complex procedures, a DPPO plan’s flexibility may be worthwhile.
• Do you have a preferred dentist?: If you want to visit a specific dentist, you can either look for a DHMO plan that has that dentist in network or choose a DPPO plan to ensure you can continue seeing them regardless of whether they’re in-network.
• Do you need to visit a dental specialist?: If you have specific dental health needs, a DPPO plan can make specialist visits more convenient. You won’t have to wait for referrals or deal with rigid network restrictions.

DHMO vs PPO: Which type of plan is better for you?

As you can see, DHMO and DPPO plans both have benefits and limitations. As a result, the best type of plan depends on your priorities.

A DHMO plan may be a better fit if you:

• Want lower monthly premiums
• Prefer predictable costs with set copayments
• Are comfortable choosing from a network of dentists
• Don’t expect to need frequent specialist care

A DPPO plan may be a better fit if you:

• Want the flexibility to choose your dentist
• Already have a preferred provider
• Need access to specialists without referrals
• Are willing to pay more for greater convenience

Get a quote for Aflac’s dental insurance

Aflac’s network dental insurance is a passive PPO, which means it allows you to visit both in-network and out-of-network dentists for preventive, basic and major services. Our dental insurance has varying coverage levels, so you can choose a plan that suits your needs and budget.

If you’re looking for coverage that balances flexibility and affordability, Aflac can help you find the best dental insurance plan. Chat with an Aflac agent today to learn more and get a quote!