Broadband Tech > General Questions > Delta Dental? Blue Cross Dental?

reply to lilhurricane

Re: Delta Dental? Blue Cross Dental?

DMO (Dental Maintenance Organization) like an HMO - managed care

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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~Safe Hex~ Team Discovery ~ Project Hope ~ Like A Hurricane~

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.

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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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
--
~Safe Hex~ Team Discovery ~ Project Hope ~ Like A Hurricane~

Thanks, lilhurricane. I knew I could depend on you. The HMO is $16 and would work for me (I hope).
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reply to lilhurricane