Most major health insurance carriers also offer dental in HMO plans. Blue Cross and Blue Shield, as well as Anthem, offer this protection. Metlife also offers dental HMO plans.
Wiki User
∙ 11y agoPPO and HMO, both are acceptable dental insurance. PPO dental insurance allows you to concern other dentist with some limitation coverage. HMO dental insurance provides expert dentist in their network to offer best treatment. You can choose any insurance plan which suits you the best.
It means you each have a different insurance company. If you had both HMO dental coverage and Delta Dental (and the veteran in me has to ask: "for God's sake, WHY Delta Dental?") active at the same time, that would be dual coverage.
Aetna HMO provides insurance services. Some examples of insurance services available through Aetna HMO include Dental, Health and Medical insurance. You can learn more at the Aetna website.
Why not? What are the terms of the 2nd Insurance?
Blue Cross offers multiple dental insurance plans. These range from the Dental Blue 100, which offers minimal coverage but is fairly cheap, to the Dental Select HMO, which covers everything for a higher price. Thus, the benefits of Blue Cross dental insurance can vary, but one may choose the cost and level of coverage they feel is appropriate.
Health Maintenance Organizations deliver medical care, not dental care. Contact your health care provider about the available options for dental care.
Anyone who can afford the payments can apply for HMO insurance. Many people can apply for HMO insurance through their employer. People can even get HMO insurance themselves and be self-insured.
How flexible is the insurance, and does it allow out of network coverage? Is it a PPO or an HMO, what are the deductibles, monthly costs, and what does it cover?
Health insurance. HMO = Health Maintenance Organization.
Most companies offer stand alone dental insurance. At BlueCross Blueshield of Florida, we offer dental insurance as little as $10.65/month for an HMO plan and $23.03/month for a PPO plan. If you are in Florida, see my profile link below, or check with a BlueCross BlueShield agent in your state.
To find companies in your state that provide dental insurance or dental discount plans, go to the National Association of Dental Plans site (www.nadp.org) which has a directory of companies that offer dental insurance. The directory can be searched by state and you can select "individual" and get the list of just those companies that provide individual dental insurance in your state. The listing also tells you if the company provides dental HMO, dental PPO, dental indemnity (traditional insurance without a network) or a discount plan (not insurance but a discount off the dentist's fees who are part of the discount network).
== == A dental college perhaps? To find companies in your state that provide dental insurance or dental discount plans, go to the National Association of Dental Plans site (www.nadp.org) which has a directory of companies that offer dental insurance. The directory can be searched by state and you can select "individual" and get the list of just those companies that provide individual dental insurance in your state. The listing also tells you if the company provides dental HMO, dental PPO, dental indemnity (traditional insurance without a network) or a discount plan (not insurance but a discount off the dentist's fees who are part of the discount network).