North River Dental Care

Which Is Best: PPO, HMO, or Dental Membership Plan?

Green piggy bank for a post about saving money with dental insurance or an in-office membership plan

At North River Dental Care, our mission is to provide high-quality, affordable dental care to patients throughout the Fredericksburg area.

In this blog post, we compare PPO vs. HMO dental insurance. And for those interested in foregoing traditional dental insurance, we discuss the benefits of enrolling in our in-office dental membership plan.

Dental Insurance: PPO vs. HMO

While dental PPO plans usually have higher out-of-pocket costs than their HMO counterparts, they offer patients more flexibility in selecting dentists or dental specialists without needing a referral from your primary dentist. Some plans even offer reimbursement for out-of-network dentists. In exchange for that flexibility, you will have a higher premium and may be required to meet a deductible.

Dental HMO plans provide coverage at a lower cost that primarily focuses on preventive care. HMO plans incentivize regular dental exams and professional cleanings that can help keep your teeth and gums healthy. You’ll need to select a primary dentist and will need a referral if any specialist treatment is necessary.

Because we want everyone to have access to quality dental care, our office is proud to accept most major dental insurance plans! We file and track your claims so you don't have to. Contact us today to confirm whether or not we accept your insurance and what your benefits are!

Benefits of a Dental Membership Plan

Our dental membership plan is a great option for patients that do not have dental insurance. For a lower cost than most dental insurance plans, our North River Advantage Plan covers all your regular preventive oral healthcare expenses and provides additional savings on most other dental services we offer. Plus, there are no annual limits, deductibles, pre-authorizations, or waiting periods, and your benefits begin the same day you sign up! Click here to learn more about how our membership plan can save you money.

Flexible Financing

North River Dental Care also accepts financing through CareCredit®, which allows you to break up the cost of your dental care into manageable monthly payments.

Reach Out to Our Team!

Whether you choose dental insurance, our dental membership plan, or third-party financing, our team is standing by to provide quality dental care to you and your family. To ask us any questions about our payment options, comprehensive services, or appointment availability, contact us today!


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