Dental Insurance Basics

Dental Insurance Basics

Dental Health Maintenance Organization (DHMO) Insurance

This is typically the least expensive way to go for the consumer. Most dental services are provided by dentists who will  provide specific treatements and services at no charge (some services may require a co-payment.) 


Indemnity Insurance

This plan typically allows the consumer to go to the dentist of their choice. They generally pay a portion of the dentist's fee or a set dollar amount. The Dentist then will submit the invoice for payment. The payment may be made to the insured member or directly to the dentist. You will need to pay the difference between the full charge for the service provided and the amount paid by the insurance.


Preferred provider organization (PPO) Insurance

This is typically less expensive than the Indemnity Insurance. This type of insurance tries to take advantage of the benefits of  the HMO by providing a network of dentist to chose from or you can decide to go to a dentist of your choice outside of the network. When you seek treatment from dentists outside of the PPOyou are will pay higher deductibles and/or co-payments.