Single and Looking For a Dental HMO Insurance Plan – Dr Dental Dental Insurance

01/08/24 11:45 AM

Question: I have a fixed income and can not afford a dental PPO insurance plan. Therefore, I am looking into HMO dental insurance plans. However, since I am new to picking a plan provider, can you advise me on choosing a good dentist? 

Answer: When having to choose a dentist in a network-provided plan like a dental HMO, here are a few tips you may want to keep in mind:

1) Call the providers listed and confirm they are still accepting the plan and new members.

2) Confirm anything important to you, but keep it simple. Such as hours of operation, how far booked up they are, and whether they do the type of dental services you are looking for. You may ask if they have a website so you can review detailed information about their practice. However, avoid questions like “How much is it to fix my broken tooth?” After seeing you and examining your tooth, they will know that type of question.

3) Make sure the plan you are reviewing has more than one dental office as a provider in your area(or however far you are willing to travel). You want a dental HMO plan with at least three or more dental offices, so if you want to change dental offices, you can do so.

4) If you want to know more about the dental office in question, try reviewing online review sites such as Yelp or Angie’s list

HMO insurance plans are usually the more affordable and budget-friendly dental insurance option. However, they only really work if there is a dentist in their network you want to go to. So, taking the time to talk to and review the dental providers in the plan network of providers is worth doing. The more you like your dentist, the more likely you will be to maintain your dental health care.

Posted by Carol | in Dental Insurance Plans | No Comments »
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