Hall
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Re: Delta Dental? Blue Cross Dental?
said by lilhurricane  :PPO vs HMO (DMO) - Typically means: PPO: IN/OUT OF NETWORK BENEFITS Freedom of Choice HMO (DMO): NETWORK PLAN (LEAST COST TO EMPLOYER/EE-RESTRICTED) Nowadays, that's the only accurate part, IMO. All of the rest is at the discretion of your employer and the terms they dictate. |
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Maggs
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Woodside, NY
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1 edit | reply to Doctor Four
I'm with Delta Dental Premier PPO, the visit co-pay is $5, and the benefit maximum is $1,500. I don't think my current dentist accepts them. They cover only 80% and I get to hear the complaints. What do people expect for $5.70 a month for single coverage.
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jadinolf
I love you Fred
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Ojai, CA
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| reply to Doctor Four
said by Doctor Four :My employer used Delta Dental a few years ago, and after quite a significant number of employees expressed their dislike of it, they switched to Aetna's DMO. One thing I remember was that you were severely limited as to where you could go for dentists that were within the plan. And the out-of-pocket maximum per year was also kind of low. That was my problem. There is a premium Delta Plan that has every dentist in my town. The bottom of the line plan that I would sign up for has dental offices of questionable repute and at least 30 miles away.
At least with Blue Cross, I get my regular dental office. He's 30 miles away too but near Costco, The 99 Cent Only Store and Wally World. 
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Doctor Four
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| reply to jadinolf
My employer used Delta Dental a few years ago, and after quite a significant number of employees expressed their dislike of it, they switched to Aetna's DMO.
One thing I remember was that you were severely limited as to where you could go for dentists that were within the plan. And the out-of-pocket maximum per year was also kind of low.
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jadinolf
I love you Fred
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Ojai, CA | reply to jadinolf
Going with Blue Cross.
Have to be with the insurance for 6 months before I can get treatment. Fingers crossed.
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jadinolf
I love you Fred
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Ojai, CA
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| reply to lilhurricane
And belated to you and the rest of the folks here.
By the way, I will be eating all of the 20 pound turkey that I roasted. Turkey does not agree with Fred. I just spent a half hour cleaning up the mess. 
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lilhurricane
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1 edit | reply to jadinolf
Welcome..
Happy Thanksgiving, jadinolf
.. and remember.. be true to your teeth or they'll be false to you  |
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jadinolf
I love you Fred
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Ojai, CA
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1 edit | reply to lilhurricane
lilhurricane. a buddy of mine and I went to what we thought was the Delta Dental main site and could not find a dentist in my town. Search using your link show a bunch of them.
Thanks.
j
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lilhurricane
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clubs: | reply to tahoejeff
Delta does offer individual coverage.
»www.deltadental.com/Public/Subsc···dividual |
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tahoejeff
join:2001-07-01
Wisconsin Dells, WI
clubs: | reply to jadinolf
I'm thinking Delta Dental will not serve an individual. They only provide insurance for business plans.
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jadinolf
I love you Fred
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join:2005-07-09
Ojai, CA | reply to jadinolf
To the others who responded, I appreciate and welcome your input. 
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jadinolf
I love you Fred
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join:2005-07-09
Ojai, CA | reply to lilhurricane
Thanks, lilhurricane. I knew I could depend on you. The HMO is $16 and would work for me (I hope).
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lilhurricane
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2 edits | reply to jadinolf
PPO vs HMO (DMO) - Typically means:
..participating provider network - you can go to whomever you choose. In network is maximum benefits
PPO: IN/OUT OF NETWORK BENEFITS
Freedom of Choice
OV CO-PAY ONLY -TYPICALLY/NOT ALWAYS
EACH PLAN DIFFERENT CO-INSURANCE is APPLICABLE
HMO (DMO): NETWORK PLAN (LEAST COST TO EMPLOYER/EE-RESTRICTED)
NEEDS REFERRAL
NO CALENDAR YEAR DEDUCTIBLE
CO-PAY THEN 100%
NO CO-INSURANCE
NO OUT-OF-NETWORK COVERAGE
UNLIMITED LIFETIME
NO BALANCE BILLING PERMITTED
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jadinolf
I love you Fred
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Ojai, CA
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| reply to lilhurricane
I received two identical envelopes from Blue Cross and thinking they were identical-- I just opened #2 and they were not.
One is for Anthem Blue Cross SelectHMO Plans for Seniors and the other is Anthem Blue Cross Senior Dental PPO Plan.
Now I'm really confused. Not enough info to be able to tell the difference except PPO is more than twice as much per month.
Experts?
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Jeffrey
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| reply to jadinolf
I don't have any experience with Blue Cross Dental, but I did have Delta Dental for about 5 years, and I never had a problem and they were very good.
I have Aetna Dental right now, and they have been good for me also.
Next year I think I have MetLife Dental, although I'm not 100% positive.
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lilhurricane
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| reply to jadinolf
Their schedule of benefits is slightly better than Delta's, jadinolf
..slightly
But may give you a few more options should you ever choose to seek a new office out. |
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jadinolf
I love you Fred
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Ojai, CA
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| reply to lilhurricane
said by lilhurricane :BC/BS (Premier)is an excellent plan. And doubly so if you have a rapport with your dentist - and he accepts it Dental insurance has become a luxury - if you are an existing patient, have a good dentist, and a plan he accepts, and you can be sure he'll work with it vs losing you I will have my regular dentist office if I sign up for BC. I will have the son because his father, my dentist for 17 years recently died. His son is a typical money grubbing bottom feeder like many of them.
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hitachi369
Embrace Your Rights
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Grand Rapids, MI | reply to jadinolf
Ive had nothing but bad experiences with Delta but that is more to do with the plan my employer has with them. |
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lilhurricane
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| reply to jadinolf
BC/BS (Premier)is an excellent plan.
And doubly so if you have a rapport with your dentist - and he accepts it
Dental insurance has become a luxury - if you are an existing patient, have a good dentist, and a plan he accepts, and you can be sure he'll work with it vs losing you
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jadinolf
I love you Fred
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Ojai, CA
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| reply to lilhurricane
said by lilhurricane :DMO (Dental Maintenance Organization) like an HMO - managed care I guess. I was only looking at Blue Cross Dental Premier Plan because my Dentist office recommended it. A couple of friends just signed up for Delta but couldn't give a reason why they did it. I need to investigate Delta.
Neither plan seems to be as good as the one I presently have because the co-pays are MUCH higher.
I switched to another HMO because there is no charge for it.
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