Make sure the DHMO has dental offices in your area. Visit the offices and meet the dentist providers. Ask about waiting periods required for DHMO patients to receive appointments. Ask about the dentist turnover rate. Determine the access the plan provides to dental specialists.
Some plans limit referral to specialists.
Note procedures not covered by the plan. Request a copy of the DHMO's contract with the dentist. It may detail the treatment your employees are entitled to receive. A self-funded concept through which employers pay dental benefits to employees without insurance company involvement. Employees receive treatment from the dentist of their choice.