A PPO is a “Preferred Provider Organization”. PPOs do not require you to choose a primary dentist, although one is recommended. You don’t need referrals to see specialists, either, but you will save money if you see one in your plan’s network. These differ from DHMO insurance plans that typically cover dental services at a low cost and minimal or no copayments with a pre-selected primary care dentist or a dentist facility with multiple dentists. You are required to select a Primary Dentist and are restricted to that Dentist unless otherwise referred to a specialist