Comparison of Dental HMO vs. PPO plans

by | Mar 30, 2015 | Dental Insurance

Comparison of Dental HMO vs. PPO plans


It’s open enrollment time!

At Smiles of Boca we have chosen to limit our practice to accepting uninsured patients and those with PPO plans, allowing us to deliver the most technologically advanced and highest quality services in dentistry, while maintaining a very personal touch in a non-rushed environment that our patients greatly appreciate.  We do not participate with HMO plans for various reasons, but mainly because we realize that it prevents us from delivering the kind of quality services that we would be proud of and that patients have come to expect from us.

Around this time of the year, we get many calls to our office asking what the best dental plan available is. So we thought we’d make it a little simpler for all of our patients. The graphic above gives you a general overview of key differences between the two types of dental plans. We hope this will give you a better idea of what plan will better fit your needs.

Ultimately, your decision should be made based on which plan better fits your needs. If you are looking to keep your monthly premiums at a minimum, you are mainly choosing dental insurance as an emergency or contingency plan, and you are not really thinking about going to the dentist anytime soon, then probably an HMO plan is better for you. One thing you have to understand as a consumer is that low prices come with its own set of consequences.

For a dental office to be able provide the very low fees afforded by the HMO plans, they have to do one or several of the following things:

  • See a high volume of patients to compensate for lower fees. The result is what patients perceive as a rushed experience, or rarely seeing the doctor. This is common in large corporate chains where a dentist can see a large number of patients per day and work out of multiple chairs at a time.
  • Hire staff at lower than average wages, resulting in untrained, inexperienced workers who are not passionate about their job. This results in a poor customer experience for patients.
  • Keep working costs at a minimum by choosing less expensive materials and labs. The result is usually cheaper and/or lower quality materials and dental labs that work outside of U.S. regulations (i.e. China)

On the other hand, if you know you are going to be requiring some dental work, are planning on going to the dentist soon, and if you value good service over low prices, then a PPO is a good compromise. You get the benefit of discounted fees, you get a yearly allowance of money to spend on your dental needs, and you get a dental office and a team of proud dental professionals that are committed to great service and quality.

If you don’t have a traditional dental benefits policy, then we invite you to take advantage of our own In-House Dental Benefits Plan, which gives you excellent benefits for you and the whole family for an extremely low annual fee.

We hope that this information helps you to make the right choice for you and your family, and we hope to see you around our office soon! Feel free to contact us with any questions at (561)392-3970 or via or website’s Ask the Dentist section.

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About Us

Dr. Rafael Morales, DDS is a family and cosmetic dentist in Boca Raton, FL conveniently located just across from the FAU campus. We ensure a comfortable experience with a conservative treatment philosophy.


MON: 9AM - 5PM
TUE: 9AM - 5PM
WED: 10AM - 6PM
THU: 9AM - 5PM
FRI: By appointment
SAT: By appointment
SUN: Closed

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1590 NW 10th Ave,
Suite 200,
Boca Raton, FL 33486