A Dental Exclusive Provider Organization (DEPO) insurance plan offers a combination of services similar to elements of DPPO and DHMO insurance plans. So, an EPO dental plan might be the best choice for you if you prefer to use specific dental service providers. And, if you expect to not need dental services while traveling.
What types of services and expenses does a DEPO cover? Is a dental EPO plan the best choice of dental plan for you? Understanding the ins and outs of dental EPO plans helps you make the best coverage decisions going forward.
A DEPO permits its members to choose between receiving dental services from a primary care dentist and a specialist.
Choosing a specific primary care dentist is not required by DEPO policies.
It is also not necessary to get a referral from a primary care dentist in order to make an appointment to see a dental specialist for more extensive procedures.
However, it’s important to note that there are some limitations to DEPO insurance plans.
Out-of-network dentists and other dental service providers are not covered by DEPO plans except in limited cases and for emergencies only. The types of emergency dental services covered and to what extent vary per policy. DEPOs also have annual deductibles and coinsurance expenses, similar to other dental insurance plans.
Your dentists submit all claims to your DEPO insurer, so no extra work is required of you. Plans and expenses to you are also generally affordable and most preventive and diagnostic dental services are covered.