Your Trusted Insurance Partner
Empowering brokers with opportunities and helping clients find the right Medicare plans.
Our Partner for Dental
We proudly partner with trusted dental insurance providers to ensure access to quality, affordable dental care for your employees.
Types of Dental Plans: HMO vs PPO
We offer a wide range of creative services. Take a look at what we can offer to your company.
Dental HMO (DHMO – Dental Health Maintenance Organization)
A DHMO plan is a cost-effective option that typically offers lower monthly premiums and minimal or no deductibles. Members are required to choose a primary care dentist from the plan’s network, who manages all their dental care and referrals to specialists if needed. While out-of-pocket costs are generally lower and more predictable, the trade-off is less flexibility, as services are only covered when using in-network providers.
*Lower monthly premiums and predictable costs
*Requires selecting a primary dentist within the network
*Limited to in-network providers only
*Lower monthly premiums and predictable costs
*Requires selecting a primary dentist within the network
*Limited to in-network providers only
Dental PPO (DPPO – Preferred Provider Organization)
A DPPO plan offers more freedom when selecting a dentist, allowing members to visit both in-network and out-of-network providers. There is no requirement to choose a primary dentist or get referrals for specialists, making it convenient for those who want control over their care. While premiums and out-of-pocket costs may be higher compared to DHMO plans, PPO plans provide a wider network and more flexibility, which many employees find valuable.
*Greater flexibility in choosing dentists, both in and out of network
*No need for referrals to see specialists
*Higher premiums but broader access to care
*Greater flexibility in choosing dentists, both in and out of network
*No need for referrals to see specialists
*Higher premiums but broader access to care
Choosing the Right Plan for Your Needs
Choosing between a DHMO and PPO plan depends on individual needs and priorities. If affordability and predictable costs are most important, a DHMO plan may be the best fit. However, if flexibility in choosing providers and easier access to specialists is a priority, a PPO plan may be more suitable. Understanding how often dental services are needed and whether a preferred dentist is in-network can help employees make the right decision.
*Budget vs flexibility considerations
*Frequency of dental visits and procedures
*Preferred dentists and provider access
*Budget vs flexibility considerations
*Frequency of dental visits and procedures
*Preferred dentists and provider access
Contact us:
+1 (848) 2568974
mpapyan@ihealthmp.com
mpapyan@ihealthmp.com