DHMO dental plans are co-pay-based network only policies that require selection of a primary care dentist. DHMO dental plans do not have yearly maximums, deductibles or waiting periods. A DMHO dental plan is pre-paid and does not have any deductibles or maximums. Instead, when the holder receives a dental service, he pays a fixed dollar amount for the treatment.
DHMO dental plans are relatively affordable insurance policies for individuals and families. A DHMO dental plan does not require a deductible or co-pay for several dental preventive services provided by the primary care dentist. Services covered under traditional DHMO dental plans include oral examinations, cleanings, X-rays, topical fluoride treatment and sealants.
DHMO dental plans possess set co-pays for other covered services such as inlays and onlays, fillings, extractions, space maintainers, bridgework, dentures, oral surgery, crowns, gum therapy and root canals.
DHMO dental plans do not cover services, except emergency care, from dentists who do not participate within the plan's network. Therefore, to receive coverage under a DHMO dental plan, the holder must select a dentist who participates in the insurance policy's network.
Office visit co-payments vary by plan. Depending on the DHMO dental plan, co-pays vary based on the type of dentist (general dentist or specialist).