What is a dental HMO – Dental 4 Less
I need dental insurance since I last visited the dentist over a year ago. I called some local dentists, and when I stated I would get dental insurance before starting dental care, I was told by three different dental offices not to get a dental HMO plan. Why do they say that? What is a dental HMO plan, and what is so bad about them that three dentists tell me not to get an HMO plan? The few PPO plans I have seen online are pricey and over budget. Are HMOs cheaper or more expensive?
Reply: I could not say why a dental office would say not to get dental HMO insurance, but one main reason they would advise against it is that they do not accept dental HMO insurance plans. It is reasonable to assume that if you want to go to them and you want to have insurance, they advise you not to get an insurance plan type that is unacceptable to them.
How does an HMO dental insurance plan work?
A dental HMO plan stands for Health Maintenance Organization. This type of dental insurance plan offers a network of dentists you can choose from. When you enroll in a dental HMO plan, you will select a primary care dentist who will be your primary point of contact for all your dental needs. You must see this dentist for routine checkups, cleanings, and any other dental services you may require. If you need to see a specialist, your primary care dentist may refer you to a specialist in the network.
The main benefit of a dental HMO plan is that it is usually more affordable than other dental insurance plans. However, it is important to note that if you receive dental care from a dentist not in the network, you would be responsible for the total cost of the treatment.