Dental 4 Less – Looking for low-cost dental insurance that is not a discount plan.
I want to get dental insurance that is low in cost and where I do not have to worry about filing my claims and waiting to get paid back. I am sick of paying my dental billing in full and waiting a month or more to get paid back. However, when I tried to look for plans like that, they were all dental discount plans.
Reply: My suggestion would be to review dental HMO insurance plans. A dental HMO (Health Maintenance Organization) is a dental insurance plan offering a network of dentists who provide dental care services to plan members for a fixed fee. With a dental HMO plan, you typically have to choose a primary dentist from their network and must receive dental care services from that dentist.
The benefits of a dental HMO plan include lower out-of-pocket costs for dental care services because the plan pays a fixed fee to the dentist for each service provided to you. This means you know how much you will pay for your dental care services in advance and don’t have to worry about filing claims or waiting for reimbursement. Dental HMO plans typically cover preventive care services like cleanings and exams at no cost to you.