- Indemnity – Allows you to see any dentist you want who accepts this type of coverage, and typically requires you to pay the expenses up-front and get reimbursed from the carrier afterwards. This plan may be helpful when you want to stay with your dentist and he/she does not participate in a dental network.
- DHMO – A Dental Health Managed Organization assigns or allows you to select an in-network dentist and/or office. That provider agrees to accept an insurance fee schedule and give their customers a reduced cost for services.
- PPO – Preferred Provider Network dental plans are similar to a DHMO while using an in-network facility. However, it also allows you to use an out-of-network or non-participating provider as well. Any difference of fees will become the financial responsibility of the patient unless otherwise specified in your dental policy.
Important items to review when purchasing a policy are the copayment requirements, waiting periods, stated deductible, annual limitations, and graduated percentage scales based on the type of procedure and/or length of time you have owned the policy prior to starting your dental work. Please contact us for a free consultation to review what type of policy will best suit your needs today, and in the future.
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