Online Dental Insurance, Individual Dental Plans in Florida.
Question: I notice that Delta dental offers a free choice of dental provider plan as well as a lower cost dental HMO plan. I am just not sure which plan type is the best to get in the long run. Which saves the most money on dental care services since it will be a plan I will be keeping for a few years.
Reply: That would really depend on you own dental care needs. There PPO/Free choice of dental provider plans are great if you are wanting to stay with a current dental provider that is not a provider their HMO plan. Theses plans do have waiting periods, yearly maximum limitations and a deductible that you need to be aware of when buy any PPO/Free choice of provider plan.
Their HMO is clearly lower in cost with no waiting periods, yearly maximum limitations and a deductible, yet you need to choose a dentist within the plan network. There are no benefits for dentist that are not in the plan network of providers. So dental offices can be limited depending on where you live.
