Frequently Asked Questions

A Dental HMO (sometimes called a DMHO or “prepaid plan”) is a dental plan that has the goal of helping Members achieve and maintain good levels of dental health, and prevent future dental problems. Unlike traditional insurance, DHMOs don’t have deductibles and typically don’t have annual maximums for general dentistry services. Preventive services such as exams, x-rays, and prophylaxis cleaning, typically have low or no copayment; other procedures such as fillings, crowns, extractions, etc. will have reduced fee copayments associated with them.  Members in dental health maintenance organizations are encouraged to see their providers regularly to receive preventive services to maintain a level of dental health that will minimize the need for more expensive services.