Which type of insurance plan allows the dentist to be reimbursed DIRECTLY from the insurance company?

Correct answer: D. PPO (Preferred Provider Organization)

• A. Incorrect. HMO plans typically pay capitation fees directly to providers, and patients may pay copays — but HMOs often require care to be provided at specific facilities.
• B. Incorrect. Capitation plans pay a fixed per-patient fee regardless of services rendered — not direct reimbursement per service.
• C. Incorrect. Medicaid is a government program — reimbursement is from the government, not a traditional insurance company.
• D. Correct. A PPO (Preferred Provider Organization) plan allows enrolled dentists to bill the insurance company directly and receive DIRECT REIMBURSEMENT. Patients pay deductibles/copays. PPO is the most common type of dental insurance in the US that provides direct dentist-to-insurance reimbursement.