Dental insurance helps big time in getting the dental treatments you need. In fact, 59% of adults in the U.S. rely on private dental insurance. 

The most common types of insurance plans are dental HMO insurance and PPO plans. However, the coverage they offer varies. So knowing what these plans cover is crucial for making an informed decision.

Let's look at the differences between these insurance plans and alternatives that can make it easier to afford dental care.

Dental HMO Insurance - What Is It?

Dental Health Maintenance Organization (HMO) insurance makes dental care accessible, especially when it comes to preventive treatments.

If you choose a DHMO plan, you must pick a Primary Care Dentist (PCD) from its network. It means whenever you have any problem, you can visit the designated primary dental facility or dentist. 

However, if you need any major treatments from a specialist, you’ll need a referral from your PCD.

Pros of DHMO insurance:

• The monthly premiums are usually lower.
• As it involves copayment, you'll know what the insurance company will pay for covered services.
• The DHMO plans cover essential dental care and check-ups. So you can get preventive care without spending much.
• Out-of-pocket costs are often lower for dental HMO vs. PPO

Limitations: 

• You can only visit the designated dentists in the DHMO network. So, referrals are needed to get specialty care from out-of-network providers. 
• They might not cover major dental procedures.
• Your treatment options would be limited, as dental HMOs cover specific treatments, excluding major procedures.

Dental PPO Insurance - What Is It?

Dental Preferred Provider Organization insurance gives you more flexibility. It allows you to choose dentists as per your preference. Even one from outside the network.

Moreover, PPO provides better coverage as it also includes major dental treatments. 

Pros:

• You have more freedom when deciding where or from which provider to seek treatment.
• It provides comprehensive coverage, so you have more treatment options.
• There is no need for a referral from a PCD to see a specialist.
• You don't have to choose one dentist as your primary care dentist.

Limitations: 

• The monthly premiums are higher for dental PPO vs. HMO plans.
• It usually involves deductibles and coinsurance.
• If you choose a dentist outside of the network, it may cost more.

HMO Vs. PPO - Which Is the Best Option for You?

Choosing one best depends on your individual needs and treatment priorities. HMO plans usually cost less, but you have a designated dentist or facility that you can visit. Plus, they usually don’t cover major procedures, so they are ideal if you only need essential or preventive care. 

On the other hand, PPO plans let you choose your preferred provider, but they can be pricier. So, they both have their good and not-so-good sides.

There are other ways to deal with the limitations of Dental HMO and PPO plans. For example, you can go to dentists offering payment plans, lowering the burden of out-of-pocket expenses.

How Do Payment Plans Work as an Alternative?

Payment plan options from Denefits can be a great way to handle dental costs. It's not insurance, but it helps you pay for your dental bills in affordable monthly payments. This way, you can get the treatment you need without worrying too much about paying all at once.

Here's how Denefits can help:

• You can choose a payment plan through a dental practice that fits your budget and start paying monthly installments.
• There are no credit checks and a high approval rate of 95%.
• The approval process is quick and easy.

But Keep in Mind:

• It's not an insurance replacement, so you'll still be responsible for your bills. But you can spread the payments over time to pay off the dental bill more conveniently.

Final Thoughts

Dental insurance, like HMOs and PPOs, helps a lot of people. But sometimes, it doesn't cover everything, and not everyone may qualify for these. So, if you need more flexible payment options, Denefits is a solution worth exploring.

Using insurance and Denefits payment plans together can help manage your treatment expenses more easily. So, it's best to discuss with your dentist if they offer Denefits payment plans.
You can request a callback for more information on Denefits.