DHMO-DENTAL-INSURANCE...
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| One of the main advantages of DHMO insurance plans is their low monthly premiums. Unfortunately, Dhmo-dental-insurance plans have been known to impose strict restrictions on their insured members. |
For example,
DHMO's Will Not Give A Member A Reimbursement If...
...the insured member sees a dentist out of their network.
People insured with DHMO plans must select a primary dentist from a pre-approved list.
All Referrals To Dental Specialists Must Be...
...provided by the 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 insurance plans often complain about tiresome referrals and lengthy claim forms.
DHMO plans are notorious for their restrictions, limitations and paperwork hassles.
...of dental insurance plans in America. The other 4 plan types are as follows:
- Dental Indemnity Insurance Plans
- PPO Dental Insurance Plans
- Direct Reimbursement Dental Plans
- Dental Discount Plans
To better understand dhmo-dental-insurance coverage, and how it differs from the other 4 major types of dental coverage plans in America...
...let's take a quick look below.
The 3 Basic Dental Treatment Areas...
...for all the different types of dental work.
These 3 basic areas of treatment include... 1. Preventive... 2. Restorative... and 3. Major Dental Work.
- Category 1 - All 5 major dental plans provide savings or discounts ranging from 80% to 100% ($52.- $125.) savings on Preventive Work (teeth cleaning, x-rays, check-ups,etc.). (*most plans have similar coverage for these procedures).
- Category 2 - All 5 major dental plans save you between 25% - 65% ($140.- $600.) on Restorative Work (fillings, crowns, bridges, etc.)(*coverage begins to differ somewhat in this area).
- Category 3 - All 5 major dental plans provide savings from 25% - 50% ($150.- $3,500) on Major Dental Work (dental-braces, dental implants, impacted tooth (*most plans don't cover these procedures).
All 5 major dental plan providers offer very similar coverage for preventive and restorative dental work, (2 of the 3 categories above).
| The real difference coverage for the 5 major types of dental plan providers can be clearly seen in their coverage for major dental work. |
Let's take a close up look at...
DHMO-Dental-Insurance Coverage For Major Procedures
You want to ask DHMO plans two important questions. For that matter... you should ask any type dental plan these two questions... concerning their coverage for major dental work.
Ask providers...
1. What major dental procedures are covered by dental plan? And...
2. What percentage of costs will you pay toward major procedure?
Although these two questions are basic and straightforward questions.
Most people fail to ask these 2 specific questions at the outset of choosing a dhmo-dental-insurance plan... or any other type dental plan.
Don't make that mistake.
Always, Always find out...
Along with, what percentage or amount you will be expected to pay towards any major dental procedure.
Below is a general list of major dental procedures.
Commonly Accepted Major Dental Procedures:
- Restorative care -- gold restorations and individual crowns.
- Oral Surgery -- removal of impacted teeth and complex oral surgery procedures.
- Peridontics -- treatment of complicated periodontal disease requiring surgery involving bones, or bone grafts.
- Orthodontics -- treatment including retainers, braces and/or diagnostic procedures.
- Dental Implants -- surgical placement or restoration.
- Prosthodontics -- fixed bridges, partial dentures, removable or fixed dentures.
Remember this about DHMO plans, as a rule...
DHMO Plans Cover Less Than 50% Or $1,000
Which ever is less... of the cost of major dental treatment.
Let's say... your annual or yearly maximum is $1,000.
Meaning...
...your dhmo-dental-insurance plan has an annual treatment services dollar cap (maximum) of $1,000. Now, let's say, you or your child needs dental braces costing roughly $5,000... guess what?
You're going to be personally responsible for the remaining $4,000... what must come out of your pocket.
Seriously, if you've never experienced a situation like this... it happens all the time!
"NOT Only Do DHMO-Dental-Insurance Plans..."
| "...limit benefits towards major procedures... in terms of number of procedures and dollar amounts covered in any given year." Often, dhmo-dental-insurance plans out-right refuse to pay for numerous major dental procedures. |
The good news... there's an alternative.
When it comes to saving money on major dental work ... dental discount plans are your best bet.
And in most cases your only bet or alternative. How's that?
Because discount plans 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. |
Let's save your child need dental braces and you have an impacted tooth in the same calendar year.
Not only will neither of you be refused treatment. You both will...
Receive Discounts Upwards Of 40% On Major Dental Work...
...on each family member's major dental work.
And yes, the discount dental plan most noted for there generous discounts on major dental procedures is...
And how is it I'm so confident on how well this recommended discount plan will work for you. Because, this discount plan has worked extremely well for me.
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.
On both occasions I've saved big time. Over $2,000 on my dental implant... and well over a $1000 on my 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...
How To Save Money On Major Dental Procedures
And, an informative rundown on DHMO Insurance. One of the 5 major types of dental insurance plans in America... including Puerto-Rico and the Virgin Islands.
Want insiders info about the 4 other types of dental insurance plans...
Then by all means... click your link of interest below.
- Dental Indemnity Insurance Plans
- PPO Dental Insurance Plans
- Direct Reimbursement Dental
- Dental Discount Plans
I think you'll find these articles interesting and informative as well.
Take care, and...
Broker-Moe...
"...brings you insiders savings tips on Dental and Health Care!"
6 St. Joseph Terrace - Albany, NY 12210
(518) 225-5596
