|One of the main advantages of DHMO's is their low monthly premiums.
Unfortunately, dhmo-dental-insurance plans have been known to impose strict restrictions on their insured members.
DHMO's Will Not Give A Member A Reimbursement If...
...insured member sees a dentist out-of-network.
People insured with DHMO's must select a primary dentist from a pre-approved list.
All Referrals To Dental Specialists Must Be...
...provided by primary dentist.
|"Dentists in dhmo-dental-insurance plans are expected to see a certain number of patients. Some dentists have been known to rush through dental appointments to meet their quota".|
Members in dhmo plans often complain about tiresome referrals and lengthy claim forms.
DHMO's are notorious for their restrictions, limitations and paperwork hassles.
The other 4 dental plan types are:
Let me share a secret with you... all 5 of the above dental plans offer pretty much they same coverage when it comes to preventive treatment, or routine and basic procedures.
They differ when it comes to coverage for advanced or major dental work... when it comes to coverage for expensive dental work.
When it comes to coverage for major dental work? DHMO's, as a rule, cover less than 50% of treatment cost, or impose $1,000 maximum... whichever is less.
Let's say... your annual or yearly DHMO maximum is $1,000. $1,000 is the common dollar amount maximum (dollar cap) for most DHMO's.
Here's A Simple Yet All To Common Example
Let's say... you need implants costing roughly $2,200. With a DHMO plan you're going to be responsible for $1,200 of that cost.
Since a $1,000 maximum is less than 50% of cost ($1,100). Remember, DHMO's pay the lessor of 50% or $1,000.
And, of course in this case $1,000 is the lessor of 50% ($1,100). Leaving you to pay the remaining $1,200... your out-of-pocket cost!
You don't get much financial help for major dental work when it comes to DHMO's.
"NOT Only Do DHMO-Dental-Insurance Plans..."
|"...limit benefits towards major procedures... in terms of dollar amount they'll pay in any given year. Often, dhmo-dental-insurance plans out-right refuse to pay for numerous major dental procedures".|
You don't have to accept poor coverage like that anymore. There's good news... there's an alternative!
Earlier, I mentioned 4 other types of major dental plans.
Of the 4 other types of primary dental plan types... one's a great alternative form of coverage. Especially, when it comes to help paying for major dental work.
When it comes to help paying for major dental work ... dental discount plans are your best bet.
And in most cases, they're your only help or alternative when it comes paying for major dental work.
How dental discount plans work.
First of all, they have...
NO Dollar Cap Limitations... No Maximums!
|A good dental-discount-plan will save you upwards of 55% and more on many major dental procedures... with no annual or yearly dollar caps. And, no outright refusal to pay for any major dental work.|
Secondly, they have...
Receive Discounts Upwards Of 50% On Major Dental Work...
...on each family member's major dental work. With the discount plan below
This is the dental discount plan most noted for there generous discounts on major dental procedures. The alternative to dhmo-dental-insurance plans and their almost non-existent coverage for major dental procedures.
And, thirdly, maybe most importantly...
This Discount Dental Plans Does Not Limit Benefits
I've used this recommended dental-discount-plan for both a dental implant and a root-canal.
You don't have to take my word for it... check out their program for yourself. You can visit this Award-Winning dental discount company here.
There you have it...
A Behind-The-Scenes Rundown On DHMO Insurance
Especially, in regards to their major dental work coverage... which I think we agree is lacking in financial help.
We also look at an alternative to poor DHMO coverage. We looked at award winning dental discount plan.
Want more behind-the-scenes info on the 4 other types of dental insurance plans...
Then by all means... click plan of interest link below.
I think you'll find these pages interesting and informative as well.
Take care, and...