DMO is acutally a trademark of Aetna for their dental HMO; the rest of the dental benefits industry uses the term DHMO. Dental HMOs have the lowest premium cost of all dental insurance products and usually have no annual maximum benefit. The trade off is that a dental HMO requires that you use a dentist on their list to receive care. Your cost in a dental HMO (DMO) is usually listed as a specific dollar amount for each procedure, such as office visit, x-rays, cleaning, fillings, root canals, etc. The Aetna website describes their DMO as follows: Aetna DMO Dental requires the selection of a Primary Care Dentist from an established network. Preventative care is covered once every six months at 100%. Basic restorative services and major restorative procedures are covered after a scheduled co-payment amount is paid. All services must be provided by your Primary Care Dentist. Specialty care is referred by the Primary Care Dentist to a network specialist. Orthodontic coverage is available to all enrolled employees and their eligible dependents. Evelyn F. Ireland, CAE; Executive Director, National Association of Dental Plans
Aetna offers three different dental insurance plans. These include DMO, Dental PPO, and Dental Indemnity. The DMO is the most basic plan and includes a co-pay, whereas the other plans do not.
No, COBRA only applies to health insurance coverage, not dental coverage.
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There may be affordable dental coverage available for your entire family. Consult your employer's human resource department for an explanation of the dental coverage offered.
No, COBRA coverage is typically only available for medical insurance and does not usually include dental coverage on its own.
Aetna Dental offers a variety of coverage options depending on the plan you choose. They typically provide coverage for preventive care like cleanings and X-rays, as well as basic procedures such as fillings and extractions. More comprehensive plans may also cover major services like crowns and root canals. Just make sure to read the fine print and understand what's included before flashing those pearly whites.
Cheap dental coverage can be found in the dental section at ehealthinsurance. Humana also has some low cost dental coverage. Cheap dental insurance usually has yearly benefit caps, so reading the fine print is necessary.
Many companies offer dental insurance coverage. Some examples of companies that offer this type of coverage include Delta Dental, Security Life, and Anthem.
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.
Met life gives outstanding dental coverage. Many of the members of Met Life dental are extremely satisfied with their coverage and say that they enjoy all of the benefits.
There are several options available for infant dental insurance coverage, including standalone dental insurance plans, family health insurance plans that include dental coverage, and government programs like Medicaid and the Children's Health Insurance Program (CHIP) that provide dental coverage for eligible children. It is important to research and compare different plans to find the best coverage for your infant's dental needs.
No, dental and vision insurance plans typically do not include coverage for newborns.