DENTAL PLAN DECISIONS – HELP AND INFORMATION
The dental plan decision making process is not an easy task when purchasing coverage for yourself, family, business, or your employees. There are many dental plan decisions to make. Such dental insurance decisions include considering a PPO (Preferred Provider Organizations), HMO (Health Maintenance Organization), dental indemnity insurance plans, and discount dental plans.
What is PPO Dental Insurance Plans?
PPO (Preferred Provider Organizations) is a network of dentist under contact with a dental insurance company which provides special rates on dental care; but the insured has an option to choose a dental care provider outside the network of dentists.
Generally the PPO dental insurance plans are higher premiums and there are claims forms to be completed by the dental client.
What is HMO Dental Insurance Plans?
HMO (Health Maintenance Organizations) are networks of dentist under contact with the dental insurance company that offer dental services at a pre-determined rate.
With the HMO dental insurance plan, you do not have the option to choose your own dentist. However, the HMO is usually less expensive.
What is Dental Indemnity Insurance Plans?
The dental indemnity insurance plans require the insured to pay the dentist of their choice directly, and the insured will be compensated or reimbursed by the insurance company after submitting a claims form.
What is Discount Dental Plans?
A discount dental plan provides discounted dental prices through a network of dentists but is not a dental insurance company and in not an insurance dental plan and is not regulated by the department of insurance.