With cleanings twice a year, X-rays and other routine care, dental costs can add up in a year — and that's before adding the cost of possible emergency care. Dental insurance is a good way to bring your out-of-pocket costs down so you can access the care you need without breaking the bank. Check out the main types of dental insurance plans to see which type of coverage fits your needs.
Dental Health Maintenance Organizations (DHMO)
DHMO or dental insurance DMO plans prepay contracted dentists a certain amount for each DHMO patient. The dentists then provide specific services for a set fee or no fee, depending on the plan and service. Premiums are typically lower on an HMO dental plan than a PPO plan, but patients are limited in their choice of dentist. If they choose to see a dentist not contracted through the plan, then they are typically responsible for the entire bill. One dentist or practice provides all the patient's dental care. If a specialist is necessary, the patient must first get a referral from the dentist and authorization from the insurance company.