California Family Dental Insurance Quotes – Online Dental Insurance
Question: California family dental insurance quotes: I live in California and I see on your web site may different quotes for family dental insurance options. I just not sure which one is the best for me. I am new to having to get our own dental insurance so I am not sure what is better an HMO or a PPO what are some of the main differences beside cost of the plan? If I paying more does that mean I am getting better coverages for dental services?
Reply: HMO Insurance Networks: DHMO refers to a dental health maintenance organization that helps you find the best. These insurance plans, also known as “capitation plans,” operate like their medical HMO cousins. This type of dental plan provides a comprehensive dental care to enrolled patients through designated provider office.
A Dental Health Maintenance Organization (DHMO) is a common example of a capitation plan. The individual and family dentist is paid on a per capita (per person) basis rather than for actual treatment provided.
Participating individual and family dental offices receive a fixes monthly fee based on the number of patients assigned to the office. In addition to premiums, client co-payments may be required for each visit. Some typical features of these plans:
* Monthly premiums (some require you to prepay a year’s worth)
* Co-payments for office visits
* Free preventive or routine care
* You must select from an approved network of individual and family providers
* May have an initial enrollment fee
* Annual dollar cap
* Your average monthly cost: $7.00 to $25.00
Preferred Provider Organizations: Another true dental insurance plan, a Preferred provider organizations ( PPO) falls somewhere between an indemnity plan and a dental HMO. This plan allows a particular group of patients to receive dental care from a defined panel of individual dental insurance dentists. This type could be used to provide dental gap insurance.
The participating individual or family office agrees to charge less than usual fees to this specific patient base, providing savings for the plan purchaser. If the patient chooses to see one who is not designated as a “preferred provider,” that patient may be required to pay a greater share of the fee-for-service.
A group of individual or family dentistry providers agrees to provide services at a deeply discounted rate, giving you substantial savings — as long as you stay in their network. Unlike the more restrictive DHMO, though, you can go out of network and still receive some benefits. Some typical features of these plans:
* Monthly premiums
* Annual dollar cap
* You must stay within the approved network of individual or family dentists or pay higher deductibles and co-payments
* Your average monthly cost: $20-25
* Dental companies selling these plans are regulated by state insurance departments.
