HMO dental insurance describes a health maintenance organization. This kind of dental plan uses a "managed care" model where a primary care dentist is chosen by the enrollee. This primary care dentist is prepaid an amount for the patient each month and the dentist is responsible for providing benefits under the plan and determining if a referral to a specialist is warranted. Fewer dental providers are used by an HMO, giving in-network dentists a greater share of the patients covered under the plan. Patients are strongly incentivized to receive dental care exclusively from in-network providers because out-of-network providers are normally not covered. The HMO's model of managed care produces both low premiums and out-of-pocket costs. Unlike PPO and indemnity dental plans, HMO out-of-pocket costs are often flat-fee copayments (as opposed to coinsurance fees based on a percentage of the total service cost).
Our knowledgeable customer service team will assist you with any questions you may have prior to enrolling in a dental plan. They can guide you through the process of choosing coverage that matches your needs as well as your budget.
