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Online Dental Insurance, Dental Insurance Help
Question: I am lost going though all the different types of dental insurance plans available online. What is better to get a dental discount plan or a dental HMO insurance plan. I looked at both types of plan but really do not see major different between the two. Since from what I can tell you have to choose a dentist in their network for both.
Answer: A dental discount plan will offer you discounted saving on all dental work provided by a dentist that takes the dental discount plan. They will normally start within the next business day of enrollment. That can be very helpful if you have a toothache need.
Since you get a discounted saving off of all dental work done you can get saving for services that are not normally covered under dental insurance plans. Such as Adult braces, Implants, Whiten treatments and cosmetic dental services. For many people that can be a deciding factor for them. With most discount plans you pay for every thing but at a deep discount rate. A dental discount plan is just that a discount plan it is not insurance, therefore not a filed product with the department of insurance.
An HMO dental insurance plan is also a plan were you must choose a dentist in the plan net work. An HMO dental insurance is normally the cheaper dental insurance option which in most cases does not have long term waiting periods, yearly maximum dollar amounts, deductibles or claim forms to fill out. If you are wanting a low cost dental insurance plan an HMO may be what you are looking for.