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Group
Dental Insurance
Looking for Individual
Dental Insurance?
Capitation Dental Plans - HMO
A capitation dental insurance plan (such as
a dental HMO) is an arrangement where a dentist
(or dentists, dental office, dental clinic,
etc...) is contracted to provide dental
treatment for the dental plan's enrolled
members. The provider dentist is paid, usually
monthly, a fixed amount per individual who has
chosen them to provide their dental treatment.
In return it is the dentist's obligation is to
provide any and all needed dental treatment for
these individuals (as specified by the
conditions of the dental plan) during this time
frame.
Dental Preferred Provider Organizations - PPO
are a "closed panel" type of dental insurance
plan. The insurance company contracts with
dentists so to form a network of treatment
providers. As a part of the negotiation with the
dental insurance company the dentist, in return
for being included in the network and hopefully
receiving an increased patient load, has agreed
to discount their fees. The covered members of
the dental plan must select from this list of
network providers when choosing a dentist.
Exclusive Provider Organization - EPOs
Exclusive Provider Organizations (dental EPO's)
are another form of "closed panel" dental
insurance plan. They are similar in nature to
dental PPO's with the exception that you are
offered no option other than receiving your
dental treatment from a dentist who is a member
of the dental insurance company's network of
providers.
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