lilhurricane
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Re: Delta Dental? Blue Cross Dental?
In your area - Delta is the better choice.
You are looking at their DMO plan - correct? |
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jadinolf
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1 edit | said by lilhurricane  :In your area - Delta is the better choice. You are looking at their DMO plan - correct? Not familiar with the term DMO.
edit: lh, I'm just starting to look into dental insurance.
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lilhurricane
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clubs: | DMO (Dental Maintenance Organization) like an HMO - managed care |
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jadinolf
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| 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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lilhurricane
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| 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
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| 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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lilhurricane
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| 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
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| 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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lilhurricane
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2 edits | 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
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Ojai, CA | Thanks, lilhurricane. I knew I could depend on you. The HMO is $16 and would work for me (I hope).
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Hall
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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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