With a DHMO, individuals see contracted dentists for services. Some employers offer referral plans, giving workers the names of dentists who have agreed to provide care at discounted rates, but this does not qualify as true dental insurance. Determine if the plan provides for early intervention to ward off more extensive problems later, he adds. If you have young children or teenagers, preventive care is especially important and an orthodontia benefit is ideal. If you are offered a network plan, call the plan's customer-service number and ask how the dentists are selected, Ireland suggests.
Employers typically pay some or all of an employee's premium.
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