A DHMO (Dental Health Maintenance Organization) requires you to choose a primary care dentist from the network who coordinates all your dental care, often with no deductibles.
Dental HMO plans are the most affordable option, typically costing $8-$25 per month for individuals and $25-$60 for families.
Yes, most DHMO plans require a referral from your primary dentist to see specialists like oral surgeons, orthodontists, or periodontists.
Pros: Lower premiums, no deductibles, predictable copays. Cons: Limited to network dentists, need referrals, less flexibility, may have longer wait times.
Yes, you can typically change your assigned primary dentist once per month or quarter depending on your plan rules. Contact your insurance company to make changes.
DHMO plans cover preventive care at 100%, with set copays for other procedures. Coverage is only available from your assigned dentist or approved referrals.
Many DHMO plans have no waiting periods for any services, making them good options if you need immediate dental care.
DHMO plans typically provide no coverage for out-of-network care except in emergencies. You would pay the full cost yourself.
DHMO plans can be excellent for families due to low premiums, no deductibles, and often good orthodontic coverage for children at predictable costs.
Contact your insurance company for a provider directory or use their online search tool. You must select a primary dentist when enrolling.