How Can You Decide?
Managing the cost of routine dental visits and unexpected dental treatments is easier when you have dental insurance. Some of our patients, unfortunately, find deciding on dental insurance options overwhelming, whether through an employer or purchased individually. This article helps you make a decision by comparing the four main types of dental plans offered in California. We hope it helps!
Types of Dental Insurance Plans
Dental PPO (Preferred Provider Organization)
PPO plans offer flexibility. You receive lower rates with in-network dentists and partial coverage if you go out of network. These plans work well if you want more of a choice in providers, but you pay for that convenience with a higher premium than other plans.
Dental HMO/DMO (Dental Maintenance Organization)
Also called DHMOs or DMOs, these plans focus on affordability. You choose a primary dentist, and they must refer you to an in-network specialist if necessary. The advantage of this type of plan is that you know exactly what you will spend each month; however, the selection of providers is much more limited than in other plans.
Indemnity (Fee-for-Service) Plans
Indemnity plans allow you to visit any licensed dentist. Each time you see a dentist, you file a claim with the insurance company, and then they pay a predetermined portion of that bill. Premiums and out-of-pocket costs run higher with this plan, but you gain maximum freedom in choosing your care.
Discount Dental Plans
These are not dental insurance plans. With discount dental plans, you simply pay an annual membership fee to receive discounted prices from participating dentists. There are no claims forms to fill out or reimbursement checks issued; you just receive a discount at the time of service.
EPO (Exclusive Provider Organization)
EPO plans combine elements of PPOs and HMOs. You must see providers only in the network to receive coverage, but premiums remain lower. This option suits patients who want structured savings from using a defined group of providers.
Choose the Right Dental Plan
Each dental plan has its own unique structure of costs and provider networks. To choose carefully, compare monthly premiums, deductibles, and coverage limits. Consider your immediate and future dental needs. For example, a family with tween or teen children may prioritize orthodontic coverage. Adults may focus on preventive care. Your ideal plan should meet your financial situation and your desired level of oral health. For example, if you know you need significant dental work in the near future, a plan with larger coverage limits is likely your best option.
Team Up with Lakeside Dental
Lakeside Dental accepts a variety of dental insurance plans. (See our Dental Insurance page here.) We help our patients understand their benefits and maximize their use of their coverage. Contact us today to confirm your insurance or to schedule a visit. A strong and healthy smile begins with proper care and the correct plan to back it up!
