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Buyer's Guide

Buyer’s Guide for Dental Insurance and Discount Dental Plans

Browse Common Concerns:

HMO Dental Insurance

With HMO dental insurance you pay a fixed price, usually called a copayment, at the time of service, and you must use a dentist who participates in the plan’s provider network. If you have an immediate need, HMO dental insurance offers several advantages. Among them: there are no waiting periods on any procedure and the costs are low relative to other types of plans in your area. Dental HMO insurance works much as they do for medical insurance.

Does Dental Insurance Store offer HMO dental plans?

Dental Insurance Store offers more HMO dental insurance, in more states, than any other dental plan retailer on the Internet. Presently we have cost-saving DHMO plans in 21 states. All our HMO dental insurance plans have no waiting periods, no deductibles, no annual maximums and  among the lowest monthly premiums available.

Is HMO dental insurance limited in what it covers?  

Not at all. Dental HMO's are not only affordable, they also are very inexpensive to use.  For instance, many of our DHMO insurance carriers cover preventive and diagnostic services at 100%, and those that do charge fees are a fraction of what dental patients usually pay. Also, some of the dental HMO's we offer include orthodontia and cosmetic procedures at no extra charge.

I've heard that HMO dental insurance plans restrict who you can see? 

It's true that dental HMO's require their members to use dentists in the plan provider network, but the networks offer talented, dedicated dental professionals that have to meet strict quality assurance standards. Because these dentists have agreed to fixed fees from the DHMO carrier, usually they offer better value for most procedures than any other type of dental plan.

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