HMO Dental Insurance VS Dental Discount plans.
Question: I live in CA and I have been looking for a good low cost dental plan that I can use for my dental services. I do not need any major dental work but I may need a filling or two.
I noticed that the lower cost plans tend to be either a dental HMO insurance plan or a Dental Discount plan, and that on either plan you have to stay within the plan network of provider and it seems that services are listed on a schedule. So what are the difference between the two types of dental plans that I am not seeing? Which is better to get?
Reply: The best dental plan is the one that will fit your own dental need the best. Both dental HMO insurance plans and and discount plans you have to either choose a dentist in the plan network or go to a dentist that in the plan network of providers. So that is important to keep in mind.
Then it is coverages vs discounts on the dental services you feel you will be needing or wanting to have. HMO dental insurance many plan offer free preventive dental care where dental discount plans you get a discounted saving off all dental services render.
Depending on the dental services you want can depend on which plan will fit that need the best. Such as if you want whitening treatment or cosmetic dental services a dental discount plan will give you discount saving where many dental HMO insurance plans do no offer coverages for those type of services
On the other hand if you are wanting a better cost for all your basic dental call dental HMO plan are normally offer better cost for their dental services.
Therefore that is why there is not one plan better then the next only one plan that may be better for your own dental needs.
