There are 3 types of dental insurance:
1: Indemnity: You are able to go to any dentist of your choice. This dental insurance is normally offered by your employer.
3: DHMO: A dental health-maintenance organization plan.
How it works: You are not able to choose a dentist of your choice, you have to choose a dentist within the plan’s network only, and you are not able to go to any other dentist unless you call your plan and have them change you to another office which normally takes a month. This type of plan is offered by your employer and some have individual coverage. Routine services are usually fully covered. For minor and major services, there are co-payments that vary plan to plan and there are lots of services that are not covered because they are considered cosmetic or an upgrade.
In summary, you get the best coverage with indemnity and ppo dental insurance with less out of pocket cost, but your yearly coverage is limited to your dental insurance maximum for the year.
We offer monthly payment plans with no interest. Please call 323-771-7254 for more information.
By: Ladan Zinati