A patient’s DHMO insurance providers or Dental Health Maintenance Organization offer dental services to their clients. Depending on the kind of insurance a patient has will determine which dentist they can go to. We accept a variety of Health Maintenance Organization insurances for dental care at our office. People living in the Orange county area can breathe a sigh of relief knowing that our dental practice can assist them with their needs with the help of their insurance.
Certain insurances may allows for patients to receive exams, treatments, and procedures at the dentist office with co payments or no cost at all. If your insurance covers work done by your hmo dentist closest to you, our dental office will help you file a claim.
You don’t need to bring an insurance card into the office during your visit. Just alert someone at the front desk which insurance plan you have, and any information needed. Our office can help you determine whether or not your insurance covers anything our DDS will be doing during your visit, as well as letting you know any kind of copayment that you may have to pay.
Types of HMO Insurances We Accept
Delta Care
DeltaCare USA is a prepaid plan that features set copayments, no annual deductibles and no maximums for covered benefits.
In most states, enrollees must select a primary care dentist in the DeltaCare USA network from whom they receive treatment as in a traditional dental HMO. Once a month you are allowed to switch your dentist through phone or internet.
No copayments or very low copayments for most diagnostic and preventive services. You have no exclusions for preexisting conditions or missing teeth.
This plan also covers more than 250 different procedures which includes cleanings, bleaching, and teeth whitening.
Disclaimer: This information is subject to change on behalf of the insurance company. We are providing this as an informal guide to help you determine which services at our office are covered by your insurance. For more detailed information please visit the insurance’s webpage or contact the customer service or member service number listed on most ID cards. The above logo is property of the Delta Dental, Inc.
Guardian
Pays for preventive care that will keep your family and yourself healthier for longer. A lot of the diagnostic and preventive services mostly have no copayment, allowing for things like X rays and cleanings to be done at little to no cost.
Dentists have negotiated discounted rates to make it more affordable to send your child to our office which can help prevent tooth decay which is the most common childhood disease. You will save around more on the dental work associated with root canal and crown.
When you make a claim with this insurance, your claim will processed within 48 hours. Patients won’t have to wait long for their claims to be made, and their procedures and treatments to get done.
Disclaimer: This information is subject to change on behalf of the insurance company. We are providing this as an informal guide to help you determine which services at our office are covered by your insurance. For more detailed information please visit the insurance’s webpage or contact the customer service or member service number listed on most ID cards. The above logo is property of the Guardian, Inc.
Aetna
This is a lower cost dental benefits and insurance plan. Your mind will be at ease knowing that there are no deductibles or annual maximums.
This insurance plan also offers coinsurance plans that allow for patients to switch between plans each month. Dental services are paid for through coinsurance or copayment.
With this insurance eligible preventive, basic and major services are covered. If a patient has a discount card with this insurance they can receive discounts of 15 percent to 50 percent off of most services by showing their discount card.
Disclaimer: This information is subject to change on behalf of the insurance company. We are providing this as an informal guide to help you determine which services at our office are covered by your insurance. For more detailed information please visit the insurance’s webpage or contact the customer service or member service number listed on most ID cards. The above logo is property of the Aetna, Inc.
Cigna
With Cigna, you will pay a copay or coinsurance for most services. And you may also manage and track your health care finances online. Your preventive and routine care services come at no cost.
With amalgam fillings there is no charge and may be no charge on things like: extractions,crowns, root canals, surgery, general anesthesia, gum treatment and dental repair, crowns, bridgework, and dentures as long as it fall under the schedule allowance given under their plan.
Patients with this insurance plan have no annual deductible.
Disclaimer: This information is subject to change on behalf of the insurance company. We are providing this as an informal guide to help you determine which services at our office are covered by your insurance. For more detailed information please visit the insurance’s webpage or contact the customer service or member service number listed on most ID cards. The above logo is property of the Cigna, Inc.
Safeguard
With Safeguard, more than 400 procedures are covered with up to a 25% reduction off of services that are applicable. You will also be given a detailed plan of what each service will cost so you know what you will be paying.
Disclaimer: This information is subject to change on behalf of the insurance company. We are providing this as an informal guide to help you determine which services at our office are covered by your insurance. For more detailed information please visit the insurance’s webpage or contact the customer service or member service number listed on most ID cards. The above logo is property of Safeguard, Inc.
Having Dental Insurance
Dental insurance may not seem important, but it is guaranteed necessary. Paying out of pocket for simple things like at the dentist like check ups and cleanings may not seem that bad, if you have the money for it, but what happens in the event of an emergency?
Having to rush to a dentist nearest you and come out of pocket for things like teeth extractions, dental implants, fillings, or surgery can be a nightmare. The last thing you want to worry about when you’re experiencing an emergency like that is money or whether or not you’ll even have enough to receive dental services. Dental insurance allows for people to feel at ease knowing there could possibly be a dental emergency in the future.
There are a lot of employers who offer HMO dental insurance and group policies to their employees with coverages that take care of preventives and routine check ups with no cost. These insurance plans allow you to visit your dentist without having to worry about things like waiting periods. Once your dental insurance takes effect at work, you may visit your dentist for both basic and major dental needs.
Dental insurance can also be very import if you have a family. Children are just as likely if not more likely to have dental emergencies. They are also more likely to receive cosmetic dental services like braces. This can really add up if you are paying out of pocket. The cost of braces for one kid can be up to five thousand dollars or more without insurance. That’s a lot of money to be paying out of pocket.
Going to the dentist routinely can keep someone from having dental emergencies, and can help their overall health. Even visiting the dentist routinely can eventually add up. Having dental insurance can make dentist visit a lot easier.
HMO Insurance
With HMO you choose the primary care dentist that you want from local providers. All of your dental services go through that primary dentist care. If a patient needs to see a specialist the patient must be referred by their provider. Most HMO plans don’t usually cover out of network care unless there is an emergency.
The dentist in the network are all dentist who have met standards such as quality of service, as well as pricing for their practice. The dentist in this network like our office make sure to negotiate fair and low prices for current patients as well as future patients with this insurance.
People who tend have this kind of insurance usually pay less out of pocket when they receive dental services. There is typically no deductible, or a very low one. You plan typically provides you with a schedule that lets you know what procedures are covered, and how much the copayment would be for someone if there is one.
This type of insurance has no annual calendar maximum. This means that a patient may visit the doctor as often as they would like in a year, with the exception of any limitations that may come with their plan. There is no set amount that a patient receives each year for their insurance.