Why This Comparison Matters
At Pelican Dental Care, we believe in making dental care affordable, transparent, and hassle-free. That’s why we created this side-by-side comparison of what patients typically pay with a traditional PPO insurance plan versus our Pelican Dental Care Memberships.
This tool is designed to help you make informed decisions about your dental health, whether you're comparing coverage, costs, or convenience.
All PPO costs shown below are estimates only, based on a typical Florida PPO dental insurance plan. Actual out-of-pocket costs vary significantly depending on your specific plan, provider network, annual maximums, deductibles, exclusions, and required pre-authorizations.
We used conservative, industry-standard assumptions to give you a realistic picture—not best-case scenarios.
PPO Assumptions Used in These Comparisons:
- $420/year in premiums ($35/month)
- $75 annual deductible
- $1,500 annual maximum benefit
- 100% coverage for preventive care
- 80% coverage for basic services (e.g., fillings)
- 50% coverage for major services (e.g., crowns, implants)
- No coverage for cosmetic services (e.g., whitening, veneers)
- Pre-authorizations and waiting periods apply to most major services
Jump to a Case Example:
- Adult Case – 3-Year: Preventive + Crown + Fillings
- Child Case – 3-Year: Preventive + Fillings + Crown
- Senior Case – 3-Year: Preventive + Crowns + Emergencies
- Adult Case – 5-Year: Preventive + Crowns + Fillings + Emergency
- Child Case – 5-Year: Preventive + Fillings + Sealants + Emergencies
- Senior Case – 5-Year: Preventive + Crowns + Bridge + Loyalty Discounts
- Adult Implant Case – With Extraction & Bone Graft
- Adult Implant Case – Without Extraction
- Senior Implant Case – Two Implants With Extraction & Bone Graft
- Senior Implant Case – Without Extraction
- Adult Cosmetic Case – 2 Veneers + 2 Whitening Treatments
- Senior Cosmetic Case – 2 Veneers + 2 Whitening Treatments
- Adult Cosmetic Case – Smile Makeover: 16 Veneers for $4,800 Flat
- Adult Case – Root Canal + Post & Core + Crown
- Senior Case – Root Canal + Post & Core + Crown
- Adult Perio Case – Full-Mouth Deep Cleaning (SRPs)
- Senior Partial Denture Case – Extractions + Upper Partial
- Adult Case – Emergency-Only: 2 Visits in 3 Years
Adult Case – 3-Year: Preventive + Crown + Fillings
An adult patient receives dental care over three years with the following treatment needs:
- Year 1: 1 crown and 1 two-surface filling (patient receives a 40% membership discount – Year of Signup)
- Year 2: Preventive care only (44% membership discount - Loyalty Ladder 1)
- Year 3: 1 one-surface filling (patient receives a 50% membership discount – Loyalty Ladder 2)
PPO Insurance vs. Pelican Dental Care Membership – 3-Year Cost Comparison (Year-by-Year)
3-Year Total Comparison:
Estimates are based on a typical individual adult PPO dental insurance plan with a $420/year premium, $75 annual deductible, and a $1,500 annual maximum benefit. This scenario assumes 100% coverage for preventive care (limited to two exams, two cleanings, and routine X-rays per year), 80% coverage for basic services (such as fillings), and 50% coverage for major services (such as crowns, bridges, dentures, or implants).
Actual coverage may vary by plan, carrier, and employer group.
Pelican Dental Care Memberships are not dental insurance and are not intended to replace dental insurance. They are designed to provide clear, predictable pricing and immediate access to in-house care with increasing discounts over time.
Child Case – 3-Year: Preventive + Fillings + Crown
An 8-year-old child receives dental care over three years with the following treatment needs:
- Year 1: 2 fillings (1-surface and 2-surface) (40% membership discount – Year of Signup)
- Year 2: Preventive care only (44% membership discount - Loyalty Ladder 1)
- Year 3: 1 stainless steel crown (50% membership discount – Loyalty Ladder 2)
PPO Insurance vs. Pelican Dental Care Membership – 3-Year Cost Comparison (Year-by-Year)
3-Year Total Comparison:
Estimates are based on a typical individual child PPO dental insurance plan with a $360/year premium, $75 annual deductible, and a $1,500 annual maximum benefit. This scenario assumes 100% coverage for preventive care (limited to two exams, two cleanings, and routine X-rays per year), 80% coverage for basic services (such as fillings), and 50% coverage for major services (such as crowns).
Actual coverage may vary by plan, carrier, and employer group.
Pelican Dental Care Memberships are not dental insurance and are not intended to replace dental insurance. They are designed to provide clear, predictable pricing and immediate access to in-house care with increasing discounts over time.
Senior Case – 3-Year: Preventive + Crowns + Emergencies
A senior patient receives dental care over three years with the following treatment needs:
- Year 1: 1 crown and 1 emergency visit (50% membership discount – Year of Signup)
- Year 2: Preventive care only (54% membership discount – Loyalty Ladder 1)
- Year 3: 1 crown, 1 post & core buildup, and 1 emergency visit (59% membership discount – Loyalty Ladder 2)
PPO Insurance vs. Pelican Dental Care Membership – 3-Year Cost Comparison (Year-by-Year)
3-Year Total Comparison:
Estimates are based on a typical individual senior PPO dental insurance plan with a $420/year premium, $75 annual deductible, and a $1,500 annual maximum benefit. This scenario assumes 100% coverage for preventive care (limited to two exams, two cleanings, and routine X-rays per year), 80% coverage for basic services, and 50% coverage for major services (such as crowns, bridges, dentures, post & core, or implants).
Actual coverage may vary by plan, carrier, and provider.
Pelican Dental Care Memberships are not dental insurance and are not intended to replace dental insurance. They are designed to provide clear, predictable pricing and immediate access to in-house care with increasing discounts over time.
Adult Case – 5-Year: Preventive + Crowns + Fillings + Emergency
An adult patient receives comprehensive dental care over five years with the following treatment needs:
- Year 1: 1 crown and 1 one-surface filling (40% membership discount – Year of Signup)
- Year 2: Preventive care only (44% membership discount – Loyalty Ladder 1)
- Year 3: 1 two-surface filling and 1 emergency visit (50% membership discount – Loyalty Ladder 2)
- Year 4: 1 crown and 1 post & core (54% membership discount – Loyalty Ladder 3)
- Year 5: Preventive care only (54% membership discount – Loyalty Ladder 3)
PPO Insurance vs. Pelican Dental Care Membership – 5-Year Cost Comparison (Year-by-Year
5-Year Total Comparison:
Estimates are based on a typical individual adult PPO dental insurance plan with a $420/year premium, $75 annual deductible, and a $1,500 annual maximum benefit. This scenario assumes 100% coverage for preventive care (limited to two exams, two cleanings, and routine X-rays per year), 80% coverage for basic services (such as fillings), and 50% coverage for major services (such as crowns, bridges, dentures, or implants).
Actual coverage may vary by plan, carrier, and employer group.
Pelican Dental Care Memberships are not dental insurance and are not intended to replace dental insurance. They are designed to provide clear, predictable pricing and immediate access to in-house care with increasing discounts over time.
Child Case – 5-Year: Preventive + Fillings + Sealants + Emergencies
An 8-year-old child receives regular dental care over five years with the following treatment needs:
- Year 1: 2 fillings (1-surface and 2-surface) (40% membership discount – Year of Signup)
- Year 2: 2 sealants (44% membership discount – Loyalty Ladder 1) •
- Year 3: Preventive care only (50% membership discount – Loyalty Ladder 2)
- Year 4: 1 emergency visit and 1 three-surface filling (54% membership discount – Loyalty Ladder 3)
- Year 5: Preventive care only (54% membership discount – Loyalty Ladder 3)
PPO Insurance vs. Pelican Dental Care Membership – 5-Year Cost Comparison (Year-by-Year)
5-Year Total Comparison:
Estimates are based on a typical individual child PPO dental insurance plan with a $360/year premium, $75 annual deductible, and a $1,500 annual maximum benefit. This scenario assumes 100% coverage for preventive care (limited to two exams, two cleanings, and routine X-rays per year), 80% coverage for basic services (such as fillings), and 50% coverage for major services (such as crowns).
Actual coverage may vary by plan, carrier, and employer group.
Pelican Dental Care Memberships are not dental insurance and are not intended to replace dental insurance. They are designed to provide clear, predictable pricing and immediate access to in-house care with increasing discounts over time.
Senior Case – 5-Year: Preventive + Crowns + Bridge + Loyalty Discounts
A senior patient receives comprehensive dental care over five years with the following treatment needs:
- Year 1: 1 crown and 1 emergency visit (50% membership discount – Year of Signup)
- Year 2: Preventive care only (54% membership discount – Loyalty Ladder 1)
- Year 3: 3-unit bridge (2 abutment crowns, 1 pontic, 1 post & core) (59% membership discount – Loyalty Ladder 2)
- Year 4: 1 crown and 1 post & core (64% membership discount – Loyalty Ladder 3)
- Year 5: Preventive care only (64% membership discount – Loyalty Ladder 3)
PPO Insurance vs. Pelican Dental Care Membership – 5-Year Cost Comparison (Year-by-Year)
5-Year Total Comparison (Corrected):
Estimates are based on a typical individual senior PPO dental insurance plan with a $420/year premium, $75 annual deductible, and a $1,500 annual maximum benefit. This scenario assumes 100% coverage for preventive care (limited to two exams, two cleanings, and routine X-rays per year), 80% coverage for basic services, and 50% coverage for major services (such as crowns, bridges, dentures, post & core, or implants).
Actual coverage may vary by plan, carrier, and provider.
Pelican Dental Care Memberships are not dental insurance and are not intended to replace dental insurance. They are designed to provide clear, predictable pricing and immediate access to in-house care with increasing discounts over time.
In Year 3, the PPO plan’s $1,500 annual maximum was reached. The total PPO fee for the 3-unit bridge was $3,818, which included:
Insurance paid only $1,500 toward this treatment, as that is the maximum annual benefit allowed. The remaining $2,318 in uncovered treatment cost was the patient’s full responsibility. In addition, the patient also paid the $75 deductible and $420 premium, bringing their total Year 3 out-of-pocket cost to $2,813.
Adult Implant Case – With Extraction & Bone Graft
An adult patient requires a complete single-tooth dental implant, including:
- Tooth extraction
- Bone graft
- Implant placement
- Abutment
- Implant crown
All procedures are completed within the same benefit year.
- The PPO plan covers 50% of implant-related procedures, where applicable, up to a $1,500 annual maximum
- Pelican Dental Care Members receive an all-inclusive, in-house, doctor-approved implant package for $3,600
- Pelican Membership Fee (Adult): $183.96
PPO Insurance vs. Pelican Dental Care Membership – 1-Year Cost Comparison
PPO Insurance Pelican Membership
Timeline Comparison:
Disclaimer:
Estimates are based on a typical individual adult PPO dental insurance plan with a $420/year premium, $75 annual deductible, and a $1,500 annual maximum benefit. This scenario assumes 100% coverage for preventive care (limited to two exams, two cleanings, and routine X-rays per year), 80% coverage for basic services (such as fillings), and 50% coverage for major services (such as crowns, bridges, dentures, or implants).
Actual coverage may vary by plan, carrier, and employer group.
Pelican Dental Care Memberships are not dental insurance and are not intended to replace dental insurance. They are designed to provide clear, predictable pricing and immediate access to in-house care with increasing discounts over time.
Adult Implant Case – Without Extraction
An adult patient is already missing a tooth and requires a complete single-tooth dental implant, including:
- Bone graft
- Implant placement
- Abutment
- Implant crown
No extraction is needed.
All treatment is completed within one benefit year, and insurance provides 50% coverage on eligible procedures, subject to a $1,500 annual maximum.
The patient is enrolled in the Pelican Dental Care Membership, which includes a flat $3,600 implant package (doctor-approved and performed in-house), plus a $183.96 membership fee.
PPO Insurance vs. Pelican Dental Care Membership – 1-Year Cost Comparison
PPO Insurance Pelican Membership
Timeline Comparison:
Disclaimer:
Estimates are based on a typical individual adult PPO dental insurance plan with a $420/year premium, $75 annual deductible, and a $1,500 annual maximum benefit. This scenario assumes 100% coverage for preventive care (limited to two exams, two cleanings, and routine X-rays per year), 80% coverage for basic services (such as fillings), and 50% coverage for major services (such as crowns, bridges, dentures, or implants).
Actual coverage may vary by plan, carrier, and employer group.
Pelican Dental Care Memberships are not dental insurance and are not intended to replace dental insurance. They are designed to provide clear, predictable pricing and immediate access to in-house care with increasing discounts over time.
Senior Implant Case – Two Implants With Extraction & Bone Graft
A senior patient requires two dental implants in one benefit year. Treatment includes:
- 2 extractions
- 2 bone grafts
- 2 implant placements
- 2 abutments
- 2 implant crowns
The PPO plan provides 50% coverage, subject to a $1,500 annual maximum.
The patient is in their Year of Signup and receives Pelican’s $7,200 flat two-implant package, which includes all components and is performed in-house with doctor approval. The patient also pays the $159.96 senior membership fee.
PPO Insurance vs. Pelican Dental Care Membership – 1-Year Cost Comparison
PPO Insurance Pelican Membership
Timeline Comparison:
Disclaimer:
Estimates are based on a typical individual senior PPO dental insurance plan with a $420/year premium, $75 annual deductible, and a $1,500 annual maximum benefit. This scenario assumes 100% coverage for preventive care (limited to two exams, two cleanings, and routine X-rays per year), 80% coverage for basic services, and 50% coverage for major services (such as crowns, bridges, dentures, post & core, or implants).
Actual coverage may vary by plan, carrier, and provider.
Pelican Dental Care Memberships are not dental insurance and are not intended to replace dental insurance. They are designed to provide clear, predictable pricing and immediate access to in-house care with increasing discounts over time.
Senior Implant Case – Without Extraction but with Bone Grafting
A senior patient is already missing a tooth and requires a complete single-tooth dental implant, including:
- Bone graft
- Implant placement
- Abutment
- Implant crown
No extraction is needed.
All treatment is completed in one benefit year.
The PPO plan provides 50% coverage, subject to a $1,500 annual maximum.
The patient is in their Year of Signup, and receives Pelican’s flat $3,600 implant package (doctor-approved and performed in-house), plus a $159.96 senior membership fee.
PPO Insurance vs. Pelican Dental Care Membership – 1-Year Cost Comparison
PPO Insurance Pelican Membership
Timeline Comparison:
Disclaimer:
Estimates are based on a typical individual senior PPO dental insurance plan with a $420/year premium, $75 annual deductible, and a $1,500 annual maximum benefit. This scenario assumes 100% coverage for preventive care (limited to two exams, two cleanings, and routine X-rays per year), 80% coverage for basic services, and 50% coverage for major services (such as crowns, bridges, dentures, post & core, or implants).
Actual coverage may vary by plan, carrier, and provider.
Pelican Dental Care Memberships are not dental insurance and are not intended to replace dental insurance. They are designed to provide clear, predictable pricing and immediate access to in-house care with increasing discounts over time.
Adult Cosmetic Case – 2 Veneers + 2 Whitening Treatments
An adult patient receives cosmetic dental care over two years with the following treatment needs:
- Year 1: 2 in-office professional whitening treatments (covered under the Whitening Plus Plan)
- Year 2: 2 porcelain veneers (44% membership discount – Loyalty Ladder 1)
- The patient is enrolled in the $300 Whitening Plus Plan, which includes two whitening treatments and all preventive care in that year.
PPO Insurance vs. Pelican Dental Care Membership – 2-Year Cost Comparison
2-Year Total Comparison:
Estimates are based on a typical individual adult PPO dental insurance plan with a $420/year premium, $75 annual deductible, and a $1,500 annual maximum benefit. This scenario assumes 100% coverage for preventive care (limited to two exams, two cleanings, and routine X-rays per year), 80% coverage for basic services (such as fillings), and 50% coverage for major services (such as crowns, bridges, dentures, or implants). Veneers not covered.
Actual coverage may vary by plan, carrier, and employer group.
Pelican Dental Care Memberships are not dental insurance and are not intended to replace dental insurance. They are designed to provide clear, predictable pricing and immediate access to in-house care with increasing discounts over time.
Senior Case – Cosmetic: 2 Veneers + 2 Whitening Treatments
A senior patient receives:
- Year 1: 2 in-office whitening treatments (covered under Whitening Plus Membership)
- Year 2: 2 porcelain veneers
- Patient is enrolled in the $300 Whitening Plus Plan each year
Veneers are completed in Year 2 at the 54% discount level
PPO Insurance vs. Pelican Dental Care Membership – 2-Year Cost Comparison
2-Year Total Comparison:
Estimates are based on a typical individual senior PPO dental insurance plan with a $420/year premium, $75 annual deductible, and a $1,500 annual maximum benefit. This scenario assumes 100% coverage for preventive care (limited to two exams, two cleanings, and routine X-rays per year), 80% coverage for basic services, and 50% coverage for major services (such as crowns, bridges, dentures, post & core, or implants). Veneers not covered.
Actual coverage may vary by plan, carrier, and provider.
Pelican Dental Care Memberships are not dental insurance and are not intended to replace dental insurance. They are designed to provide clear, predictable pricing and immediate access to in-house care with increasing discounts over time.
Adult Case – Smile Makeover: 16 Veneers for $4,800 Flat
An adult patient elects to undergo a full smile makeover, which includes:
- 16 porcelain veneers (8 upper and 8 lower)
All treatment is completed in a single year.
PPO plans do not cover cosmetic procedures such as veneers.
Pelican Dental Care offers a flat $4,800 Smile Makeover package, available to active members only, and performed in-house with doctor approval.
PPO Insurance vs. Pelican Dental Care Membership – 1-Year Cost Comparison
1-Year Total Comparison:
Estimates are based on a typical individual adult PPO dental insurance plan with a $420/year premium, $75 annual deductible, and a $1,500 annual maximum benefit. This scenario assumes 100% coverage for preventive care (limited to two exams, two cleanings, and routine X-rays per year), 80% coverage for basic services (such as fillings), and 50% coverage for major services (such as crowns, bridges, dentures, or implants).
Actual coverage may vary by plan, carrier, and employer group. Veneers not covered.
Pelican Dental Care Memberships are not dental insurance and are not intended to replace dental insurance. They are designed to provide clear, predictable pricing and immediate access to in-house care with increasing discounts over time.
Adult Case – Root Canal + Post & Core + Crown
An adult patient completes the following treatment in one year:
- Root canal
- Post & core buildup
- Crown
Treatment qualifies for Pelican’s $1,299 flat-fee bundle, which includes all three procedures (doctor-approved and completed in-house).
Patient is in their Year of Signup, and pays the required $183.96 membership fee.
PPO insurance covers these as major procedures at 50%, subject to the $1,500 annual maximum.
PPO Insurance vs. Pelican Dental Care Membership – 1-Year Cost Comparison
1-Year Total Comparison:
Estimates are based on a typical individual adult PPO dental insurance plan with a $420/year premium, $75 annual deductible, and a $1,500 annual maximum benefit. This scenario assumes 100% coverage for preventive care (limited to two exams, two cleanings, and routine X-rays per year), 80% coverage for basic services (such as fillings), and 50% coverage for major services (such as crowns, bridges, dentures, or implants).
Actual coverage may vary by plan, carrier, and employer group.
Pelican Dental Care Memberships are not dental insurance and are not intended to replace dental insurance. They are designed to provide clear, predictable pricing and immediate access to in-house care with increasing discounts over time.
Senior Case – Root Canal + Post & Core + Crown
A senior patient completes the following treatment in one year:
- Root canal
- Post & core buildup
- Crown
Treatment qualifies for Pelican’s $1,299 flat-fee bundle, which includes all three procedures (doctor-approved and completed in-house).
The patient is in their Year of Signup, and pays the required $159.96 senior membership fee.
PPO insurance covers these procedures as major services at 50%, subject to the $1,500 annual maximum.
PPO Insurance vs. Pelican Membership – Cost Comparison
1-Year Total Comparison:
Estimates are based on a typical individual senior PPO dental insurance plan with a $420/year premium, $75 annual deductible, and a $1,500 annual maximum benefit. This scenario assumes 100% coverage for preventive care (limited to two exams, two cleanings, and routine X-rays per year), 80% coverage for basic services, and 50% coverage for major services (such as crowns, bridges, dentures, post & core, or implants).
Actual coverage may vary by plan, carrier, and provider.
Pelican Dental Care Memberships are not dental insurance and are not intended to replace dental insurance. They are designed to provide clear, predictable pricing and immediate access to in-house care with increasing discounts over time.
Adult Perio Case – Full-Mouth Deep Cleaning (SRPs)
An adult patient is diagnosed with periodontal disease and requires:
- Scaling and root planing (SRP) in all 4 quadrants
Treatment is completed in one year.
The patient is enrolled in the Pelican Dental Care Perio Plus Plan, which includes all 4 quadrants of SRPs, exams, X-rays, periodontal maintenance, and emergency visits for a flat annual fee of $650.
PPO insurance covers SRPs as basic services at 80%, subject to a $75 deductible and $1,500 annual max.
PPO Insurance vs. Pelican Dental Care Membership – 1-Year Cost Comparison
1-Year Total Comparison:
Estimates are based on a typical individual adult PPO dental insurance plan with a $420/year premium, $75 annual deductible, and a $1,500 annual maximum benefit. This scenario assumes 100% coverage for preventive care (limited to two exams, two cleanings, and routine X-rays per year), 80% coverage for basic services (such as fillings), and 50% coverage for major services (such as crowns, bridges, dentures, or implants).
Actual coverage may vary by plan, carrier, and employer group.
Pelican Dental Care Memberships are not dental insurance and are not intended to replace dental insurance. They are designed to provide clear, predictable pricing and immediate access to in-house care with increasing discounts over time.
Senior Partial Denture Case – Extractions + Maxillary Partial (Year 3 – 59% Discount)
A senior patient requires the following treatment, completed in Year 3 of their Pelican Dental Care Membership:
- 2 extractions
- 1 maxillary (upper) removable partial denture
Because the patient is in Loyalty Ladder Year 3, they receive a 59% membership discount on all services. In comparison, traditional PPO dental insurance covers extractions at 80% and partial dentures at 50%, subject to a $75 annual deductible and a $1,500 annual maximum benefit.
PPO Insurance vs. Pelican Dental Care Membership – 1-Year Cost Comparison
PPO Insurance vs. Pelican Dental Care Membership – 1-Year Cost Comparison
Year Total Comparison
Timeline Comparison:
Important Note:
This comparison assumes the insurance plan approves all procedures without delays, pre-authorization holds, or denials. In real-world scenarios, insurance may require multiple steps before authorizing a partial denture, and many patients experience delays in both scheduling and lab processing. Even at a slightly higher cost, Pelican Dental Care membership provides a faster, more direct experience with no outside interference.
Estimates are based on a typical individual senior PPO dental insurance plan with a $420/year premium, $75 annual deductible, and a $1,500 annual maximum benefit. This scenario assumes 100% coverage for preventive care (limited to two exams, two cleanings, and routine X-rays per year), 80% coverage for basic services, and 50% coverage for major services (such as crowns, bridges, dentures, post & core, or implants).
Actual coverage may vary by plan, carrier, and provider.
Pelican Dental Care Memberships are not dental insurance and are not intended to replace dental insurance. They are designed to provide clear, predictable pricing and immediate access to in-house care with increasing discounts over time.
Although the total out-of-pocket cost with Pelican Dental Care is approximately 7% higher in this specific case, many patients still choose our membership for the predictability, transparency, and peace of mind it offers.
With no annual maximums, no waiting periods, and no surprise claim denials, you always know what to expect. Unlike traditional insurance, our pricing is guaranteed upfront, and your treatment is completed in-house by a trusted local team — with discounts that grow the longer you stay.
This PPO estimate also assumes all treatment is pre-approved, completed within the benefit year, and covered without denial. In reality, it's common for patients to be left with unexpected out-of-pocket costs due to claim denials, partial reimbursements, or delays — making membership the more reliable and stress-free option.
Adult Case – Emergency-Only: 2 Visits in 3 Years
An adult patient does not receive routine preventive care but visits the dentist only when in pain or experiencing urgent issues.
Over the course of 3 years, the patient has:
- Year 1: 1 emergency visit (exam + X-rays)
- Year 2: No visits
- Year 3: 1 additional emergency visit (exam + X-rays)
No cleanings, fillings, or restorative care are provided during this timeframe.
Emergency visits are covered at 80% under PPO, and included at no additional cost for Pelican Dental Care Members.
PPO Insurance vs. Pelican Membership – Cost Comparison (Year-by-Year)
3-Year Total Comparison:
Estimates are based on a typical individual adult PPO dental insurance plan with a $420/year premium, $75 annual deductible, and a $1,500 annual maximum benefit. This scenario assumes 100% coverage for preventive care (limited to two exams, two cleanings, and routine X-rays per year), 80% coverage for basic services (such as fillings), and 50% coverage for major services (such as crowns, bridges, dentures, or implants).
Actual coverage may vary by plan, carrier, and employer group.
Pelican Dental Care Memberships are not dental insurance and are not intended to replace dental insurance. They are designed to provide clear, predictable pricing and immediate access to in-house care with increasing discounts over time.
Pelican Dental Care Members receive access to all complimentary perks immediately upon signing up — including emergency visits, exams, and diagnostics — with no waiting periods, no pre-approvals, and no insurance-related delays.
In this scenario, the patient only paid for membership when they actually needed the appointment.
By contrast, PPO insurance requires continuous premium payments and may still limit or delay care through waiting periods, pre-authorizations, or provider network restrictions, even during urgent situations.
Actual PPO costs may vary significantly depending on:
- Individual plan design
- Carrier-specific policies
- Provider networks
- Annual maximums and deductibles
- Waiting periods
- Pre-authorization requirements
- Service downgrades or denials
Pelican Dental Care makes no guarantee or representation regarding what any insurance company may approve or pay. The comparisons assume treatment is fully approved, completed within the same benefit year, and without denial—a scenario that does not always reflect real-world PPO outcomes.
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