Dental Insurance Plans
provides high quality,
affordable individual and family dental insurance plans.
& INDIVIDUAL HEALTH INSURANCE DENTAL INSURANCE PLAN QUOTES
There are three types of Individual Dental Insurance plans
on the market today:
Dental HMO / PrePaid Dental Plans (DMO)
DHMO plans provide the most affordable option. Clients receive
care through a network of highly qualified dentists. There
are no waiting periods, calendar year maximums or deductibles
and no claim forms. As in the HMO medical plan, each enrolled
individual will select a primary dentist who will coordinate
all care rendered. Dental HMO plans are comprehensive, covering
more procedures than many other dental benefits plans.
Dental PPO (DPO)
DPO plans provide choice. Employees receive care through
a much larger network of highly qualified dentists and may
also access care outside of the contracted network at a reduced
reimbursement. There can be waiting periods applied to specific
levels of service which may be waived if there is prior coverage
without a gap of greater than 63 days (per HIPAA law). Clients
pay co-insurance for services and plans limit the amount of
care to specific annual benefit maximums.
Dental indemnity policies allow for the greatest access to
available dentists by providing usual and customary reimbursement.
Using contract dentists on these plans often provides for
greater savings. Plans have benefit maximums and co-insurance.