Dmo dental plan

What is a DMO dental plan? A cost-saving plan that’s so easy to use. Get the benefit of wide coverage, plus the bonus of cost savings. You are given a list of dentists in your area who have contracted to provide dental services at discounted rates.

You must choose one of these as your primary care dentist, who will be responsible for your general dental services.

While PPO is more flexible, DMO is more affordable. Choosing a dentist who isn’t part of the network means you forfeit your right to the coverage that you paid for. Choose a primary care dentist who participates in our network.

Each covered family member can select his or her own. A benefit is paid for covered out-of-network emergency dental care. Certain states mandate coverage for dental care received out-of-network.

For example, in Minnesota, the plan will pay of the value of your network benefit for covered out-of-network services. A DHMO plan will provide discounted (and sometimes free) dental services to plan participants if you receive the services from a dentist inside the DHMO network.

From routine cleanings, exams and X-rays to bigger restorative procedures like root canals and extractions, a DHMO plan will make all your dental care more affordable. Aetna Life Insurance Company. DNO in Virginia is not an HMO.

Dental Insurance Plan Participants. Working with health care professionals and business consultants we realized that in order to improve patient care while managing costs the total dental care delivery system needed to be managed. This plan will cover basic coverage like cleanings and x-rays along with regular services like fillings, crowns, root canals, etc.

Some services are not covered so review your insurance options. Many people do not know the difference between a dental PPO and DMO insurance plan. If you are shopping for individual dental insurance, have individual dental insurance or have general questions, enter the state you live in.

A PPO plan does not require that you select a primary dentist or get referrals before seeking treatment. The major disadvantages of a PPO dental plan are its higher out-of-pocket costs and billing paperwork. A PPO plan may also limit the amount of coverage you can receive in a year. Our dental programs offer you robust coverage with one of the largest dental networks, so you can worry less about the cost of getting the care you need. Best of all, you can continue to see your dentist — typically saving more if your dentist is in-network.

When it comes to dental care, no onesurprises. Preventive dental care helps you avoid them. With this dental health maintenance organization (DHMO) plan , preventive services are covered 1 with no deductible.

There is also a set fee schedule, so you’ll know upfront exactly how much basic and major services will cost. Aetna’s DMO networks are available to employees nationwide. Take two easy steps to start your dental care Step 1: Pick a PCD. Your DMO benefits and insurance plan begins with your primary care dentist (PCD).

Switch plan options anytime if you change your mind.