Dental Insurance

Dental insurance is insurance designed to pay a portion of the costs associated with dental care. The most common types of dental insurance plans are Preferred provider organizations (PPO) or dental health maintenance organizations (DHMO). Both types are considered managed care.

 

HMO dental insurance plans

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What is an HMO dental insurance plan?

HMO dental coverage stands for “Health Maintenance Organization” dental insurance. This type of insurance requires some type of prepayment from you. In exchange, you get dental care from a network of dental care providers. If you want to use a dentist outside the approved network, you must pay your entire dentist's bill yourself. This type of insurance is also known as capitation dental insurance plan. In HMO dental coverage, dentists in a network have to provide dental care to members of the insurance plan they are part of. No eligible patient can be turned away. Dentists that are part of the network are paid once a month by the insurance provider. Usually, this payment is a fixed monthly sum per person. Please call us for quotes on dental HMO and PPO

An HMO dental plan covers:

Basic dental services such as regular dental exams, cleaning, and dental x-rays. Often, these basic services are provided cost-free to individuals covered by the HMO insurance plan Other dental procedures such as dental crowns, bridgework, and dentures These slightly less common procedures often require that the patient cover some of the cost themselves. How is an HMO dental plan different from a PPO dental insurance scheme? There are several differences between HMO and PPO dental plans. While both can provide affordable dental insurance, HMO plans make it more difficult for patients to seek dentists outside a network. While PPO plans often allow patients to select dentists outside their network, many HMO plans do not. They are completely closed, meaning that you cannot accept financial penalties and see a non-network dentist when you need to. The most serious difference between HMO and PPO dental insurance, however, has to do with the way that dentists are paid. In PPO dental insurance plans, dentists who are part of a network agree to lower costs for patients covered by a certain insurance provider, in exchange for the referrals from the insurance company that bring them more business. However, dentists get paid in full for the services they provide. With an HMO dental plan, however, dentists are paid set fees. In some cases, this can mean that the less treatment a dentist provides, the more profitable the arrangement is. In extreme cases, patients have complained that dentists have made it difficult to get the correct services through an HMO plan. Even in the best circumstances, since dentists prefer PPO dental plans, many more join PPO networks. This can mean that patients have fewer dentists to choose from through HMO plans.

PPO dental insurance plans

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What is PPO?

PPO stands for “Preferred Provider Organization.” PPO is used to designate a type of insurance policy in which insurance providers have networks of clients. Those who are covered by these plans must use the professionals that are part of the network in order to get full benefits. PPO is considered beneficial for everyone. Professionals essentially get referrals from insurance providers, giving them more business. In turn, they offer special discount rates to insurance companies and insurance holders. This means that insurance holders pay less and insurance companies have to pay less money out on claims. What is a PPO Dental Insurance Plan? A PPO dental plan is dental coverage that is part of a network insurance system. Dentists sign up for the PPO network hoping to get more patients to treat. In acknowledgment of the referrals an insurance company provides, the dentists offer lower rates for the clients of a particular dental insurance provider. The result is lower fees for patients. Patients, however, often have to choose from a network of specific dentists or face higher fees or decreased benefits. What are the Advantages and Disadvantages of PPO? Many employers, employees, and even dentists prefer PPO dental coverage. In many cases, this is because this type of dental insurance offers many benefits, including:

  1. PPO dental care allows you the flexibility to see any dentist you choose.  However, with most plans, you can get additional savings by using a dentist who is part of an insurance provider's network of health care professionals
  2. PPO dental coverage gives you low deductibles _ around $50 in some cases.  Some plans even require no deductibles at all. This helps to make your dental insurance as affordable as possible.
  3. PPO dental coverage is preferred by many dentists because dentists get paid sooner and with less hassle through this type of coverage.  This can mean that more dentists agree to be part of PPO networks and can mean that dentists are more eager to work with patients who are part of a PPO plan.
  4. PPO dental coverage usually involves no wait times or very short wait times for basic services and preventative care. This can help add convenience to your dental care and can help ensure that you get the best service possible.
  5. PPO dental coverage can save you on paperwork Depending on your provider; you may simply have to present your insurance card when you visit a dentist who is part of your insurance provider’s network. The dentist will fill out and send in all of your paperwork for you.

Discount dental plans

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What are discount dentals plans?

Discount dental plans are designed for individuals, families and groups looking to save money on their dental care needs. Participating dental care providers have agreed to accept a discounted fee from plan members as payment-in-full for services performed. As a plan member, you simply show your membership card when visiting any participating plan provider to receive most dental services at discounted fees. Joining a discount dental plan will allow you to save money on most dental care services. Protect and preserve your family’s smile and overall health with one of our popular family plans. Our qualified Customer Service Representatives will assist you in finding the right plan and participating provider in your area. The advantages of discount dental plans include:

  • Savings of 10% to 60% on most dental procedures
  • Choose from more than 30 national and regional plans with more than 100,000 participating dentist listings in combined networks
  • Join online instantly and enjoy quick plan activation
  • Easy-to-use search tools and plan comparison charts
  • Qualified Customer Service Representatives to assist you
  • No unnecessary paperwork hassles
  • Discounts on dental specialties available with most plans
  • No health restrictions

    • Get a FREE Discount Dental Insurance Quote Today!

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