Full form HMO stands for Health Maintenance Organization. HMO is a type of dental insurance. You can select any primary care dentist under your insurance network with an HMO plan. In addition, if you encounter a dental emergency or are referred to a specialist, you can not go to another specialist other than your dentist. You must rely on that dentist for all of your oral health requirements.

In addition, Health Maintenance Organization (HMO) plans allow you to pay the specific fee listed on your schedule of benefits to the dentist for any covered services.

Coverage and fees of a dental HMO

HMO dental plans allow you to attend routine appointments, checkups, or cleaning sessions with your specialist without paying a hefty amount. In addition, HMO dental plans do not charge any deductible fees. In addition, with an HMO plan, you must pay a copay (a fixed part of your expenses towards medical treatment) which is a predetermined flat rate.In addition, while purchasing some dental insurance, you need an annual maximum of a certain amount. Still, you typically do not need a yearly maximum with Health Maintenance Organization insurance plans (HMO).

Benefits of a dental HMO

Health Maintenance Organization insurance has the following benefits.

• HMO provides a wide range of dental benefits, including most diagnostic and preventive services, at no extra cost
• You don’t pay deductibles or calendar-year maximums
• Orthodontic services are available with or without a 12-month waiting period on your  selected plans for both children and adults
• HMO provides affordable fixed copayments for basic and primary services
• Specialty care available with a referral from a primary dentist
• HMO dental insurance is a popular choice because it is low in cost
• HMO gives you the access to the best group of in-network dentist

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