Dental HMOs are a popular way to get access to quality care for your teeth — without paying big-ticket prices.
A dental HMO plan — sometimes called a D-HMO — gives you access to a convenient network of dentists. It features low payments for visits to your dentist. And usually you have no deductible to pay. That makes it one of the most affordable dental plans around.
A Health Maintenance Organization — or HMO for short — works by creating a “network” of dentists, orthodontists, and other dental care providers. The HMO offers the providers more referrals and increased business. The providers agree to charge HMO plan members less for dental care.
This means that HMO plans pay out less in claims, and can afford to charge their plan members cheaper premiums.
HMOs are popular because they offer affordable comprehensive coverage. Some of their advantages include:
HMOs don't work for everyone, though. Here are a few reasons some people pass them up:
Most people find that these restrictions aren't a problem. But if you want a policy with more flexibility, consider a dental PPO plan.
Are there alternatives to dental HMO plans? One option is a dental discount plan. They're not insurance, but they provide big savings for many of the dental care services you'd need. To learn more and get a dental discount plan, visit our partner DentalPlans.com now.