A Dental HMO is the Only Dental Insurance
that is Worth Owning
Free cleanings and fillings or root canals for $450. How about braces for your child for $550? No deductible and no maximums. This is a Dental HMO plan. There is a national network of dentists from a well-known insurance company (we guarantee you heard of them). It even includes teeth whitening and dental implants.
If you only get cleanings and perhaps a filling every few years, then a dental discount plan is the way to go. It is low-cost and will save you money.
But, if you need a real dental insurance plan where your out-of-pocket expenses for crowns, root canals, implants, etc., are held to a minimum cost, then you should get a dental HMO insurance plan. It can end up saving you a fortune.
What is a Dental HMO?
One of the benefits of an HMO dental plan is that it’s a type of managed care plan. This means that dental service providers who are part of the network of providers under your plan are required to meet certain standards of care.
As a member, you will be required to select a primary dentist who can then refer you to other dentists in the network when the need arises. But you can easily change dentists once you are enrolled in the plan. If you’re enrolled in an HMO plan, you’re not allowed to use an out-of-network dentist unless you have a really good reason.
Because HMO plans are managed care plans, you and your dentist can meet a few times a year to set goals and discuss problem areas. At the same time, you can also talk about preventive care services like X-rays, cleanings, and dental sealants (which are $0 or low-cost items). This can be beneficial because instead of just going to the dentist whenever you feel a toothache coming on, you can actually meet with your dentist regularly. This way, any small problems with your teeth can be caught early, which usually translates to fewer costs. Plus, because you know it is not going to cost you a small fortune, you will be much more inclined to go to the dentist regularly.
Why Should I Get an HMO?
There are several reasons why you might want to switch to an HMO dental plan. Perhaps the most important reason is the ability to save money on dental costs.
Unlike a dental plan where you have to pay a certain percentage of the cost of your dental services upfront and the rest when you file a claim, an HMO dental plan only requires you to pay a low monthly premium.
What’s more, if you’re switching from a non-HMO dental plan to an HMO dental plan, you can save money on dental services right away! Why? Because most dental providers who offer dental HMO plans offer a reduction in the cost of your dentistry services by as much as 50-75%! This means that if you have been paying out of pocket for a dental cleaning, fillings, or, if you need a crown or any expensive procedure, you can save a significant amount of money.
What Will Be Covered?
Some HMO dental plans cover basic dental services such as cleanings, X-rays, and sealants. Other HMO dental plans only cover preventive and just about all major services.
The plan we offer is very comprehensive. It covers:
- Preventive care – cleanings, fluoride, sealants, bitewing X-rays, full mouth X-rays, and more
- Basic care – tooth-colored fillings (called resin or composite) and silver-colored fillings (called amalgam)
- Major services – crowns, bridges, dentures (including those placed over implants), root canals, oral surgery, extractions, treatment for periodontal (gum) disease, and more
- Orthodontic care – braces for children and adults
- General anesthesia – when medically necessary
- Teeth whitening – using take-home bleaching trays and gel
- Temporomandibular joint (TMJ) – diagnosis and treatment, including cone beam x-ray and appliance
- Athletic mouth guard – including creation and adjustments
- Dental implant surgery or services associated with placement, repair, removal, or restoration of a dental implant
Which Dentists Can I Use?
With any HMO you must use a dentist in the network. The only exceptions might be for a dental emergency. However, the network for this plan is very large and it is more than likely that there will be a number of dentists convenient to your location. It is a very well-known company but we are not allowed to advertise the name on this page. So, if you want to see the company’s name and look for dentists in your area, use the Find a Dentist link.
How Much Does it Cost?
All applications have a $45 application fee. It is paid only once. After that, they break down the rates into four tiers.
| Single | $49.95/month |
| Single + Spouse | $62.95/month |
| Single + Children | $64.95/month |
| Family | $83.95/month |
Considering that this plan has unlimited coverage and covers so many things with zero out-of-pocket expenses, this is a very reasonably priced plan. It becomes even more affordable when there is more than one person on the plan.
How Can I Get More Information?
Use these links:
To find a dentist: Look Up Dentists Near Me.
For an Overview of the Plan Benefits. HMO Dental Plan Overview
How to Apply
You can apply directly online or you can download the form, fill it out and email it back to us.
To Apply Online: Click the HMO Dental Application It will take you to our simple online application.
To Download Our PDF Application
1. Click the Download Application link.
2. Save the application to your computer.
3. Open it up and fill in the fields. Make sure you save it after you are finished. I recommend that after filling in a few fields, you save it, close the form and reopen it. Make sure that what you just entered is saved. Now go on to complete the form.
When you are finished, email it to the email address at the bottom of the form or fax it to the fax number.
Do not forget that the form asks you to enter a dental office. You can change this but we need it to process the form. Use the Find a Dentist Link to find an office near you.
Keep in mind that if your dentist is not listed then they do not take the plan. Even if you call us it will not change that fact. But there are plenty of great dentists listed and this plan is too good to give up so your present dentist can charge you more.