What Are The Different Types Of Dental Insurance?
When looking for dental insurance it is important that you choose the right type that suits your needs. Are you getting insurance just for yourself or for the entire family? There are different types of dental insurance out there. However, identifying the difference of every type can help you in choosing the insurance that is right for you. In this content, we will take a closer look at the different types of dental insurance.
Types of Dental Insurance
Here’s an outline of the various kinds of dental insurance.
1. Dental Health Maintenance Organization (DHMO)
The DHMO is one of the most inexpensive dental insurance/plans that you can get. Usually, there’s no deductible and just a fixed payment for a non-preventive dental service.
With this type of dental insurance, typically, preventive dental care like routine X-rays, cleanings, and exams are covered 100 percent.
The fees tend to be more affordable for the reason that you’re required to select a primary care dentist from the network.
If you opt to see a dentist outside the network, DHMO won’t offer coverage, though there might be some exceptions for emergency service.
Another good thing about this insurance is that you don’t have a yearly maximum for services that are covered. Meaning to say, regardless of how many covered dental amenities you need in one year you won’t need to worry about the termination of the advantages for the year.
2. Dental Preferred Provider Organization (DPPO)
Unlike DHMO, DPPO allows you to see dentists that are not related to the network, as they have a lot of providers where you can choose from. However, the charges will be more expensive.
With this type of dental insurance, you’re not required to pick a major care dentist. What’s more, usually, it has a yearly deductible as well as coinsurance. When you finally meet your deductibles, your dental plan will get going to begin sharing charges as a fragment of the coinsurance fit for yearly maximum every year.
Routine x-rays, routine exams, cleanings, and other in-network preventive dental services are 100 percent covered. However, you might be required to wage a copay every time you visit. You’ll also need to share charges with your plan for dental care that will go beyond preventive.
3. Dental Indemnity
It is a type of dental insurance that can give so much freedom. Often, dental indemnity referred to as a fee-for-service or old-style dental plans.
With this insurance, you can see any dentist that you want because there’s no network here. Further, you don’t have to select major dentist care.
If you want to obtain emergency dental care or see a specialist, you don’t need any referral, however, it will depend on your plan.
Similar to DPPO, it also has a coinsurance and yearly deductibles. With dental indemnity, you will need to pay for the dental services until you run into the deductibles. After that, your dental plan and you share charges for the covered services.
This type is much more expensive, but if you want to lots of choices with requirements then this is for you.
4. Dental Point of Service (DPOS)
The DPOS is the combination of DPPO and DHMO. Similar to DPPO, you can see a dentist outside the network freely. But keep in mind that you will save more if you opt for a dentist inside the network.
And like DHMOs, you’ll need to select a main care dentist who can offer you referrals to a specialist when needed, outside or inside the network depending on what you want.
In the actual fact, this lack of restrictions means that you have higher copays, deductible, and plan premium.
5. Dental Exclusive Provider Organization (DEPO)
With DEPO, you will have to option to select between seeing a specialist and a general dentist. In addition to that, you don’t need any referral just to see a specialist. And similar to other types of dental insurance you don’t have to pick a main care dentist.
However, to be covered, you are required to see a dentist inside the network. Outside of the network coverage may possibly apply for other kinds of dental emergencies.
Types of Dental Insurance: Conclusion
There you have it the five types of dental insurance to choose from. Having dental insurance can help you in covering the expensive costs of extensive dental procedures. Always remember that best thing this insurance can provide is safety nets in the event that you will need to undergo such extensive procedures. Hopefully, this content has helped you a lot.