HMO Dental Plans - DHMO

DHMO (Dental HMO) plans can be very cost effective. There is usually a single co-pay for each visit and the rates for even major procedures are very reasonable. The trick is finding a dentist that you like in the network. But that is the issue with any network based plan.

Presently, we offer DHMO dental plans in Florida and Texas only.

We hope to offer HMO dental plans in many more states in the near future.

With a DHMO you pick a primary dentist. You can change if you like, but you must notify the company if you do so.

Most HMO dental plans only require a copay for preventive care. All other services generally have a
"patient charge". The plan book will show you the amounts you must pay for services. Depending on the plan, the discounted rate can be a fraction of the regular rates.

For example, a dentist might charge $800 for a root canal. A good discount dental plan could bring the fee down to $480. The DHMO rate could be as low as $250 for this service.

Dental HMO plans are:

- Low cost
- Cover preventative care with little or no out of pocket payment
- Cover major procedures at rates that are equal to or superior to PPO plans
- Usually have no waiting period for major work
- Have no cap on how much they will cover

Disadvantages of Dental HMO plan:

- Limited network - you might have to change dentists
- Not all procedures are covered (we do have a more expensive Dental HMO that covers most procedures). However, it costs about the same as a PPO plan.

You can click on the plan links on our Dental Plan Quotes page.

If after reading through the website you find it confusing or not clear, by all means give us a call at 954-757-0033 and I would be more than glad to help you.

If you cannot find your dentist on any of the plans we offer, it simply means that your dentist does not accept any of the plans we offer. There is nothing we can do except tell you to find a new dentist.

We are here 9 AM to 7 PM EST Mon - Fri.