(Part 3 of 3)

Kinds of Dental Insurance Plans

Managed Care Dental Plans

Preferred Provider Organization (PPO) plans are plans in which the patient has to select a dentist from a list provided to him. These dentists have agreed to discount their fee by contract with the insurance company. Some PPO plans also allow patients treated by dentists outside their list, where the patient is penalized by excess co-payments and higher deductibles. PPO’s are normally less expensive than indemnity plans in their class.

Keep the following in mind while reviewing a PPO Dental Insurance Plan.

What is the percentage of the premium used for administration?

Will the discount influence patients to change their regular dentist? Will the amount of the discount the dentist ahs to offer affect the number of treatment options for the patient?

What is the liability of the employer in the event of the plan influencing dentist selection or treatment?

What are the criteria of selection of dentists for the plan? Does it have adequate number of dentists under contract? What is the geographic distribution of dentists? Does the PPO dental insurance plan provide for specialist referrals? If so, are the dentists limited to a specialist on the “list” only?

How does the plan provide for emergency treatment? If so then how does the plan provide for emergencies outside the geographical area?

Dental Health Maintenance Organization (DHMO) or Capitation plans are designed in such a way that the patient does not have any financial payout when he goes for treatment. These plans pay the dentists on their “list” a fixed amount of money monthly per enrolled family or individual, regardless of visits. In return, the dentists provides specific types of treatment to the patients who visit him at no charge, any other types of treatments require co-payment. This way, the DHMO is rewarding dentists to keep patients in good health, thereby keeping the costs low. This kind of plan is one of the least expensive.

Factors to consider while reviewing a DHMO plan.

What is the percentage of the premium used for administration?

Does the employer have access to enough information for him to determine the level and amount of treatment rendered to each of the employees?

What is the utilization percentage for patients in this plan? Average waiting period for an initial appointment and average period between appointments has to be given due consideration.

What is the dentist/patient ratio for the DHMO plan? What is the criterion of dentist selection in the program? What is the geographic distribution of dentists?

What percentage of dentists is selected for from those who applied to participate? How many dentists withdrew from the program in the recent past?

What is the rate of compensation for the dentists? Is it sufficient compensation for the needs of the covered patient population? What are the provisions made for dentists in the event of unforeseen utilization?

What are the benefits for patients needing a specialist’s care? How are specialists selected and compensated? Does the plan have adequate specialists?

Does the program provide for any emergency treatment? If so, is it available outside the geographical area?

Fee-for-Service Dental Plans

Direct Reimbursement (DR) plan is a self-funded dental insurance benefit plan which reimburses patients on actual spent on dental care. It is not based on the type of treatment received. The patient has complete freedom in choosing the dentist. The employers are liable to pay a percentage of actual treatment cost, but they do not have to pay monthly premiums for employees who do not need the benefit. Moreover the employer is free of any responsibility to take decisions on mode of treatment due to previous plan selection or sponsorships. Direct Reimbursement Dental Insurance Plan is American Dental Association’s preferred method of dental coverage.


  1. Hey there 🙂

    Your wordpress site is very sleek – hope you don’t mind me asking what theme you’re using?
    (and don’t mind if I steal it? :P)

    I just launched my site –also built in wordpress like yours– but
    the theme slows (!) the site down quite a bit.

    In case you have a minute, you can find it by searching for
    “royal cbd” on Google (would appreciate any feedback) – it’s still in the works.

    Keep up the good work– and hope you all take care of yourself during the
    coronavirus scare!

  2. Hello, i believe that i noticed you visited my site thus i
    came to return the want?.I am trying to to find issues to improve my website!I suppose its ok to use
    some of your ideas!!

  3. It’s going to be end of mine day, however before finish I am reading this impressive post to increase my know-how.

  4. You’ve made some good points there. I looked on the net to learn more about
    the issue and found most individuals will go along
    with your views on this website.

  5. I seriously love your site.. Great colors & theme. Did you create this web site yourself?
    Please reply back as I’m planning to create
    my very own site and would like to learn where you got
    this from or just what the theme is called. Cheers!

  6. I got this web site from my pal who informed me regarding this site and
    now this time I am browsing this web page and reading very informative articles or reviews here.

  7. Good way of describing, and good post to get data about my
    presentation subject matter, which i am going to convey in university.

  8. I’m not sure where you are getting your information, but good topic.
    I needs to spend some time learning more or
    understanding more. Thanks for wonderful info I was looking
    for this info for my mission.

  9. I know this if off topic but I’m looking into starting my own weblog and was wondering what all is required to get setup? I’m assuming having a blog like yours would cost a pretty penny? I’m not very internet savvy so I’m not 100 positive. Any tips or advice would be greatly appreciated. Kudos

  10. Pingback: viagra substitute
  11. Pingback: cialis erections
  12. Pingback: sildenafil canada
  13. Pingback: gabapentin 600 mg
  14. Pingback: cialis 2019
  15. Pingback: tadalafil alcohol
  16. Pingback: donepezil 10 mg
  17. Pingback: cialis pills
  18. Pingback: viagra boys
  19. Pingback: cialis doses daily
  20. Pingback: priligy nz
  21. Pingback: tadalafil 20 mg
  22. Pingback: buy chloroquine uk
  23. دانلود جدید ترین فیلم ها و سریال های جدید خارجی و ایرانی https://www.filmroz.ir/ با لینک مستقیم به صورت کاملا رایگان و کیفیت های عالی Full HD.

  24. Pingback: dapoxetine otc
  25. บาคาร่าออนไลน์พูดได้ว่าตอบโจทย์ชีวิตคนภายในช่วงปัจจุบันสุดๆเพียงเข้ามาที่ UFABET คุณก็สามารถทำเงินได้ง่ายๆกับบาคาร่าออนไลน์ได้ทันที พวกเรามีระบบระเบียบรองรับที่สามารถพูดได้ว่าเยี่ยมที่สุดในยุคนี้ด้วยระบบฝากถอนอัตโนมัติทำรายการได้เองโดยไม่ผ่านตัวแทนและไม่มีขั้นต่ำเลยครับผม

  26. Pingback: deltasone uses
  27. Pingback: amoxil 125 mg
  28. Pingback: prednisone nz
  29. Pingback: us generic cialis
  30. Pingback: cipla cialis
  31. Pingback: clamelle otc
  32. Pingback: ivermectin company
  33. Pingback: viagra 200mg pills
  34. Pingback: viagra otc usa
  35. Pingback: cialis price
  36. Pingback: meritking
  37. Pingback: elexusbet
  38. Pingback: eurocasino
  39. Pingback: madridbet
  40. Pingback: meritroyalbet
  41. Pingback: eurocasino
  42. Pingback: eurocasino
  43. Pingback: meritking
  44. Pingback: meritroyalbet
  45. Pingback: cialis effects
  46. Pingback: meritroyalbet
  47. Pingback: price of tadalafil
  48. Pingback: viagra covid
  49. Pingback: stromectol nz
  50. Pingback: combivent generic
  51. Pingback: kory
  52. Pingback: flcc
  53. Pingback: ivermectin on line
  54. Pingback: ivermectin pills
  55. Pingback: ivermectin 2ml
  56. Pingback: stromectol drug
  57. Pingback: ivermectin cream 1
  58. Pingback: stromectol price
  59. Pingback: flccc ivermectin
  60. Pingback: ivermectin buy
  61. Pingback: ivermectin buy
  62. Pingback: ivermectin
  63. Pingback: stromectol prices
  64. Pingback: viagra uten resept
  65. Pingback: cialis 10mg uk
  66. Pingback: cialis rezeptfrei
  67. Pingback: cialis for bph
  68. Pingback: ivermectin can
  69. Pingback: viagra alternative
  70. Pingback: bactrim mechanism
  71. Pingback: buy ivermectin nz
  72. Pingback: azithromycin sr
  73. Pingback: zithromax ivpb
  74. Pingback: celebrex cad
  75. Pingback: ivermectin human
  76. Pingback: meritroyalbet
  77. Pingback: meritking
  78. Pingback: meritking
  79. Pingback: trcasino
  80. Pingback: ivermectin cream
  81. Hi there, just became alert to your blog through Google, and found that it is truly informative.
    I’m going to watch oout for brussels. I will appreeciate if
    you continue this {in future}. Numerous people will be
    behefited from your writing. Cheers!

    Feel free too surf too my web page: Konaklı Escort

  82. Pingback: eurocasino
  83. Pingback: eurocasino
  84. Pingback: ivermectin buy
  85. PDF Kitap İndir, ücretsiz bir şekilde pdf kitap indirebileceğiniz,
    Türkiye’nin en büyük pdf kitap arşivi sizler için ücretsiz
    şekilde sürekli olarak güncellenmektedir. Sizlerde en güncel
    pdf kitapları sitemizi ziyaret ederek indirebilirsiniz.

  86. Monster is your source for jobs and career opportunities. Search for jobs, read career advice from Monster’s job experts, and find hiring and recruiting advice. Official site for recruitment at the Council of Europe. Find job vacancies at the Council of Europe, in Strasbourg and the field, temporary employment

  87. Pingback: madridbet
  88. Today, I went to the beach with my kids. I found a sea shell and
    gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She put the shell to her ear and screamed.
    There was a hermit crab inside and it pinched her ear. She never
    wants to go back! LoL I know this is completely off topic
    but I had to tell someone!

  89. I truly love your site.. Pleasant colors & theme.
    Did you develop this amazing site yourself? Please reply back as I’m wanting to create
    my own website and would like to find out where you got this from or exactly what the theme is named.


  90. Hi there, just became aware of your blog through Google,
    and found that it’s truly informative. I’m going to watch out for brussels.
    I will appreciate if you continue this in future. A lot of people will be benefited from your writing.

  91. You aare sso awesome! I don’t believe I have read through a single thing like
    that before. So great tto discover someone with genuine thoughts on this subject matter.
    Seriously.. many thanks for starting this up.
    This site is one thing that’s needed on the web, someone with a
    little originality!

    Takee a look aat my webpage izmir online diyetisyen

  92. Pingback: ivermectine buy
  93. I am not sure where you’re getting your information, but great topic.

    I needs to spend some time learning much more or understanding more.

    Thanks for fantastic info I was looking for this information for my mission.

  94. Pingback: stromectol 0.5 mg
  95. That is a really good tip especially to those new to the
    blogosphere. Short but very accurate information… Appreciate your sharing this one.
    A must read article!

  96. I have to thank you for the efforts you have put in penning this site.

    I am hoping to view the same high-grade blog posts
    from you later on as well. In fact, your creative writing abilities has inspired me to get my
    very own blog now 😉

  97. Pingback: mectin ivermectin
  98. It is appropriate time to make some plans for the longer term and it is time to be happy.
    I have learn this put up and if I may I desire to counsel you few fascinating things or suggestions.
    Perhaps you could write subsequent articles referring to this article.

    I wish to read even more things approximately it!

  99. I was suggested this blog by my cousin. I’m not sure whether
    this post is written by him as nobody else know such detailed about my difficulty.
    You are amazing! Thanks!

  100. Pingback: ivermectin msds
  101. Pingback: ivermectin tablets
  102. Sweet blog! I found it while browsing on Yahoo News. Do you have
    any tips on how to get listed in Yahoo News? I’ve been trying
    for a while but I never seem to get there! Many thanks

  103. When I initially left a comment I appear to have clicked the -Notify me when new comments are
    added- checkbox and now every time a comment is added I receive four emails with the same comment.
    There has to be a way you are able to remove me from that service?

  104. Pingback: hydroxychloroquine
  105. Hi, I do believe this is a great web site. I stumbledupon it 😉
    I may return yet again since i have bookmarked it. Money and freedom is the best way to change, may you be rich and continue to help others.

  106. Pingback: meritroyalbet
  107. Pingback: madridbet
  108. Pingback: bahis siteleri
  109. Pretty great post. I just stubled uon your weblog and wanted to
    say that I’ve truly enjoyed browsing your weblog posts.
    In any case I will be subscribing for yor feed and
    I am hoping you write again very soon!

    Visit my page: cialis

  110. Good day! I could have sworn I’ve bbeen to this site before but after checking through some of the post I realized it’s new to me.
    Anyways, I’m definitely happy I found it and I’ll be bookmarking and
    checking back often!

    My web site; düğün davetiyesi

  111. Right here is the right site for anybody who would like to find out about this topic.
    You realize a whoile lot its almost tough to argue with
    you (not that I really would want to…HaHa). You definitely put a fresh spin on Bulgaristan’ a ulaşım subject
    that’s been weitten about ffor a long time. Excellent stuff, just wonderful!

  112. Pingback: 2doubles
  113. Pingback: meritroyalbet
  114. Pingback: 3imperceptibly
  115. I’m curious to find out what blog system you happen to be
    working with? I’m experiencing some small security issues with my
    latest blog and I’d like to find something more safe. Do you have
    any suggestions?

    Feel free to surf to my web page … Üniversite Kayıt

  116. Pingback: meritking
  117. Pingback: sildenafil
  118. Pingback: viagra
  119. Pingback: sildenafil citrate
  120. Pingback: revatio
  121. Pingback: stromectol drug
  122. When I originalloy left a comment I appear too have clicked oon the -Notify
    me when new comments are added- checkbox annd now whenever a commnent is added I recieve 4 emails with the exact same comment.

    Perhaps there is a way you can remove me from that service?

    Thank you!

    my homepage … seed processing equipment

  123. Pingback: liquid tadalafil
  124. Pingback: A片
  125. Pingback: meriking
  126. Viagra satın almak için tercih edebileceğiniz birçok alternatif satış kanalı vardır. Bu kanallardan en çok tercih edileni ise Viagra satın almak için kullanabileceğiniz online Viagra satış siteleridir. Gerek uyguladığı fiyat politikaları gerekse sunmuş olduğu yüksek gizlilik, Viagra satış sitelerinin sıkça tercih edilmesini sağlamıştır.

  127. Pingback: madridbet
  128. I’m really enjoying thee theme/design of your site.
    Do you ever run into any internet brolwser compatibility issues?

    A few of my blog readers hhave complained about my site nnot operating correctly in Explorer buut looks great in Safari.
    Do you have any advice to help fix this problem?

    Look into my site: Devreye Alma Bakterisi

  129. We absolutely love your blog andd find a lot off your post’sto be just what I’m looking for.
    Would you offer guest writers to write cokntent for you?
    I wouldn’t mind publishing a post orr elaborating on a number oof
    the subjects you write in relation too here.Again, awesome web log!

    web page

    That’s not all, it additionally enables the visitors to pla the weeb casinos with ease.
    What separqtes good USA on line casinho websites from the perfect lies in the small print.

    If you determine you wish to play with and for real cash, you will be asked
    to fund your free online casino account by depositing money iinto
    the account via an echeck, debit card, orr wire transfer.

  130. My spouse and I stumbled over here by a different web address and thought
    I might as well check things out. I like what I see so now i’m following you.
    Look forward to checking out your web page repeatedly.

    Have a look at my sote – Botoks

  131. My brother recommended I might like this blog.

    He wwas entirely right. This post truly made my day. You cann’t imagine just how mich time I
    had spent for this information! Thanks!

    Also visit my site … Botoks Ankara

  132. You really make iit seem really easy ith your presentation but I
    find this matter to be really one thing which I
    think I would never understand. It seems tooo complex annd extremely extensive for me.
    I am taking a look ahead on your next post, I’ll attempt tto get tthe hang off it!

    Take a look at my website … Dudak Dolgusu

  133. Pingback: zamazingo1
  134. Pingback: kamagra 100 mg
  135. Hi there! I could have sworn I’ve been to this blog before but
    after reading through some of the post I realized it’s new too me.

    Anyways, I’m definitely happy I found it and I’ll be book-marking
    aand checking back often!

    Also visit my homepage: Akçay manikür

  136. Thanks for some other magnificent post. The place else could anyone get
    that type off information in such a perfect way of writing?
    I’ve a presentation next week, and I’m on the look for
    such info.

    Here is my web blog :: duş setleri

  137. Pingback: meritking
  138. Simply wish to say your article is as astounding.
    The clarity in your post is just reat and i could assume you are an expert on this subject.

    Welll with your permission allow me to grabb your RSS feed to keep up tto
    date with forthcoming post. Thanks a million and
    please keep up the gratifying work.

    my homepage; villa fethiye

  139. Woah! I’m really digging the template/theme of this site. It’s simple, yet effective.
    A lot of times it’s very difficult to get that “perfect balance” between usability and
    visual appearance. I must say you’ve done a
    amazing job with this. In addition, the blog loads
    extremely fast for me on Opera. Excellent Blog!

    Feel fre to visit my web blog:mail temp

  140. Hello there! I know this is kinda off topic however ,
    I’d fihured I’d ask. Would you be interested in trading
    links or maybe guest writing a blog article or vice-versa?
    My site addresses a lot of the same subjjects as yours and I think we could grreatly benefit
    from each other. If you are interested feel free to send me aan e-mail.
    I look forward to hearing from you! Terrific blog by the

    my webpage; India address

  141. Greetings from Idaho! I’m bored to death at work
    so I decided too check out your website
    on my iphone during lunch break. I love the info you provide here and can’t wait to take
    a look when I get home. I’m amazed at how quick your blog loaded on my mobile ..
    I’m noot even using WIFI, just 3G .. Anyhow, amazing site!

    my page :: triko tunik

  142. Your style is unique compared to other people I’ve read stuff from.
    I appreciate you for posting when you have the opportunity, Guess I’ll just bookmark this
    web site.

  143. 1994 yılında mobilya üreticileri, mobilya boyacıları,
    mimarlar, müteahhitler ve nihai tüketiciler için bir boya ve aksesuar market
    oluşumu idealiyle kuruldu. Bu idealin ardından geçen başarı
    dolu öyküleriyle bugün hizmetlerine devam etmekle birlikte sektörün gerçek ihtiyaçlarının belirlenmesine ve karşılanmasında da araştırma vve geliştirme görevini önder bir kuruluş olzrak üstlenmiştir.

    my page TEKA beyaz eşya

  144. I was wondering if you ever thought of changing the layout of your
    site? Its very well written; I love what youve got to say.
    But maybe you could a little more in the way of content so people could connect with it better.
    Youve got an awful lot of text for only having one or
    2 images. Maybe you could space it out better?

  145. I lik the valuable infrmation you provide in your articles.

    I will bookmark your blog and check again here regularly.
    I am quite certain I will learn many new stuff right here!
    Good luck ffor the next!

    Also visit my webpage: tempemail

  146. When I initially left a comment I appear to have clicked the -Notiry me when new
    comments are added- checkbox and now each time a comment is added I get 4 emails with the exact same comment.
    Perhapss there is a way you caan remove me from that service?
    Manyy thanks!

    my web pagve – Random Generator

  147. Pingback: grandpashabet
  148. It’s perfect time to make some plans for the future and
    it’s time to be happy. I’ve learn this submit and if I may
    I wish to recommend you few fascinating things or advice.

    Maybe you can write next articles relating to this article.
    I wish to read even more things about it!

  149. My spouse andd I stumbled over here different web page and tthought I should check things out.

    I like what I see so i am just following you. Look forwatd to looking over your web page yyet again.

    Also visit my page: mail fake

  150. Hey I know this is off topic but I was wondering if you knew of any widgets I could add to my blog that automatically tweet my newest twitter updates.
    I’ve been looking for a plug-in like this for quite some time and was hoping
    maybe you would have some experience with something like this.
    Please let me know if you run into anything.

    I truly enjoy reading your blog and I look forward to your
    new updates. https://cutt.ly/TMkyQmz

  151. An intriguing discussion is definitely worth comment. I thinkk that you should pubkish more on this subject matter,
    it may not be a taboo matter but generally pwople don’t speak about tese issues.
    To the next! Kind regards!!

    Feel free to surf too my blog canli sohbet odasi

  152. Pingback: cenforce 100

Leave a Reply

Your email address will not be published.