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Types of Individual & Family Dental Insurance Plans

Dental HMO (Dental Health Maintenance Organization) dental insurance plans also referred to as pre-paid plans, require you to choose one dentist or dental facility to coordinate all of your oral health needs. If you need to see a specialist, your primary care dentist will refer you; specialty care may require preauthorization. A typical DHMO-type dental insurance plan doesn't have any deductibles or maximums. Instead, when you receive a dental service, you pay a fixed dollar amount for the treatment (a "copayment"). Often, diagnostic and preventive services have no copayment, so you pay nothing for these services. However, generally if you visit a dentist outside of the network, you may be responsible for the entire bill. Typically, the least expensive of dental insurance plans.

Dental PPO (Dental Preferred Provider Organization) dental insurance plans offer a network feature and usually offer a balance between lower costs and dentist choice. PPO dentists participate in the network thereby agreeing to accept contracted fees as payment in full rather than their usual fee for patients with the PPO. When you visit a PPO dentist, you typically pay a certain percentage of the reduced rate (called coinsurance) and the dental insurance plan pays the rest. The percentage usually varies by the type of coverage such as diagnostic and preventive, major services. While you typically have the lowest out-of-pocket costs if you visit a PPO dentist, the plan allow you to visit the dentist of your choice, even if they are not in the network. Typically, the most expensive of dental insurance plans.

Fee-for-Service Plans, also known as indemnity or traditional dental insurance plans, typically offer the greatest choice of dentists. Like PPO plans, when you visit a network dentist, you typically pay a certain percentage for each service (called coinsurance) and the dental insurance plan pays the rest. The percentage usually varies by the type of coverage, such as diagnostic and preventive, major services. The difference between a fee-for-service plan and a PPO is that a fee-for-service dentist usually is not reimbursed at the same amount as a PPO dentist. This means you might also pay a bit more for your dental care. Availability of this dental insurance plan is limited.

A Dental Discount program is designed for individuals, couples and families looking to save money when going to the dentist. The Network dentists who participate in the Dental Discount plan have agreed to accept a lower fee than they would normally charge. Member can save an average of 15% to 50% on everything from general dentistry to root canals, crowns and orthodontia. Members must pay dentists directly as this is NOT dental insurance. Sample Savings.

We provide a choice of Dental Insurance plans for Individuals and Families through Anthem Blue Cross, Blue Shield, Delta Dental, MultiFlex, PacifiCare and many others. We realize that having all these Dental Insurance choices can sometimes be a bit intimidating so please call us toll-free at (877) 566-5454 if you have any questions or if you need help.

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