8. Dental Health Maintenance Organization (DHMO)
A DHMO plan is generally less expensive than a DPPO. While this option may cost less than the PPO, it does come with more restrictions. Members choose a primary care dentist for their preventive treatment and must obtain referrals from this dentist before seeing any specialists. This plan does not allow for obtaining dental care outside the network. The lower cost and the ability to receive dental care without paying out of pocket and submitting for reimbursement makes this type of insurance plan attractive to some individuals.
7. Dental Indemnity Plans
Some employers offer dental indemnity plans to their employees for their dental insurance. In this plan, members are able to visit dentists and specialists within their plan without first obtaining a referral. The member pays for dental care out of pocket, then submits their claims for reimbursement. While there is more flexibility in this plan than there is with an HMO, the fees are often high. Additionally, filling out claim forms can be time-consuming, and reimbursement may not always come quickly. Often, money set aside by employees in a health reimbursement account or health savings account can be used to pay for dental costs.
6. Discount or Referral Dental Plans
Discount or referral dental plans are not insurance plans. Instead, members pay out of pocket for dental care that is offered to them at discount rates. Members may choose any dentist within the network. Individuals can purchase discount dental plans, or employers may purchase them for their employees. When considering this type of plan, read the contract carefully to understand the procedures that are covered and the discounts you will receive.