Exclusive Panel Option (EPO) and Maximum Allowable Charge (MAC) are features of Delta Dental PPO plans. They're similar to PPO plus Premier plans, but not quite the same.

EPO Plans

• Provide benefits only when members see a PPO provider
• Do not cover treatment and services from a non-PPO provider
• Offer employer groups and their employees savings, because all charges are based on the lower fees of PPO dentists
• Require PPO providers to file claims and paperwork on behalf of members
• Bill non-covered services at Delta Dental's discounted rate, so members save money even if they need a service that is not covered under their plan
• Members should search for a PPO dentist when looking for a new provider

MAC Plans

• Members may visit any provider, but will receive the best benefits by seeing a PPO provider
• Pay claims based on the PPO fee schedule
• Members seeking the lowest out-of-pocket costs should visit a PPO provider
• Allow members to visit a non-participating dentist, however, members will have the highest out of pocket costs and run the risk of balance billing if they do so