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Dental Insurance

Understanding a DHMO -- Dental Health Maintenance Organization

If you are in the market seeking dental insurance coverage or coverage from some sort of dental plan, you might want to take a look at a DHMO. When all is said and done, a DHMO plan may be the perfect choice for you. In this regard, this article has been prepared to provide you with some basic, helpful information about a DHMO.

Comparison of a HMO and a DHMO

In point of fact, a HMO and DHMO are very similar. Indeed, the typical DHMO has been modeled after the more traditional HMO that has been in operation for many years.

The Mechanics of a DHMO

As mentioned, a DHMO works in fashion that mimicks what is found in HMOs generally in the world today. First of all, the typical DHMO maintains a closed panel of dentists through which you can obtain services. In this regard, when you join a DHMO you are able to select from a list of dentists that are part of the DHMO system or provider network. Generally speaking, you must select a dentist from the list of approved providers that is maintained by the DHMO. Some DHMOs do maintain a provision within their coverage schemes that permits you to use a dentist that is not a part of the DHMO. In such instances, the DHMO plan usually will pay a portion of the costs associated with obtaining care from a non-network dentist. However, you will end up paying a significant share of the costs for seeing such a non-network dentist out of your own pocket.

There is going to be one exception through which you can obtain a dentist of your choosing that is not part of the DHMO and still obtain full benefits and coverage. In this regard, if you live in a community in which there is not a participating dentist within a reasonable distance of your home, you will be able to select your own dentist.

A typical DHMO is concerned with preventative dental care. Therefore, the basic coverage that a standard DHMO plan or policy will pay for fully includes preventative care procedures and treatments -- annual checkups, x-rays and teeth cleanings. On the other hand, in many instances a typical DHMO policy of plan will not pay 100% of the costs associated with more serious dental procedures -- oral surgery, orthodontic care and the like. A standard DHMO may pay a portion of the costs associated with these more significant procedures; but, again, these plans will not provide 100% claim coverage.


The Prevalence of the DHMO

Over the course of the past fifteen years, the DHMO has become more prevalent. In this regard, many business enterprises have taken to offering DHMO plans to their employees. Employers have found these plans to be affordable and that they provide appropriate coverage for their employees.

Many individuals have also been found seeking out DHMO plans in recent years. These individuals have found these plans affordable and found that these plans provide them with reasonable coverage to deal with their dental care issues and matters.


How to Find a Reputable DHMO

There are some tips that you will want to consider when it comes to seeking and finding a reputable DHMO. In this regard, you may want to consider visiting with your friends and family members about DHMO plans that they may have used in prior times. Even in this high tech age, word of mouth is a great way for you to find out more about a reputable HMO.

The Internet and World Wide Web is a helpful resource for you when it comes to seeking information about and finding a reputable DHMO. There are a number of solid websites in operation on the Net that can provide you with useful information about a DHMO.

Finally, your state insurance commissioner can be helpful to you in finding general information about the DHMO products that are available in your state at this point in time. You can obtain some basic information that can be of assistance to you.

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