Understanding a DHMO -- Dental Health
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
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
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.
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
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.
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.
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
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.