A Dental Health Maintenance Organization (DHMO) plan is a type of dental insurance plan that provides comprehensive dental coverage to employees. DHMO plans are typically offered by employers as part of their benefits package.
Under a DHMO plan, employees are required to choose a primary care dentist from a network of participating providers. Employees must receive all dental care from their primary care dentist, except in cases of emergency. The primary care dentist is responsible for coordinating all dental care and referrals to specialists, if needed.
DHMO plans typically provide coverage for preventative care, such as routine cleanings and exams, as well as basic and major dental procedures, such as fillings, extractions, and root canals. DHMO plans may also provide coverage for orthodontic care, such as braces.
Employees who participate in a DHMO plan pay a monthly premium, which is typically lower than other types of dental insurance plans. Employees may also be responsible for paying a copayment or coinsurance for certain dental services.
DHMO plans provide benefits to employees by providing comprehensive dental coverage at an affordable cost. Employees who participate in a DHMO plan can receive routine dental care and procedures at a lower cost than if they paid for these services out of pocket.
The benefits of a DHMO plan are typically received by employees and their dependents, such as spouses and children. However, the specific benefits and coverage may vary depending on the DHMO plan and the employer that offers it.