How does dental insurance work?
There are two different types of dental insurance plans: preferred provider organizations, or PPOs, and health maintenance organizations, or HMOs.
When compared to HMOs, PPOs offer a greater range of providers. However, most PPOs require you to meet a deductible before coverage kicks in. PPOs allow patients to obtain care through a network of dentists who have negotiated an agreement with the insurance provider to offer services at discounted rates. Patients typically pay a percentage of the discounted rates, with the provider covering the rest.
HMOs generally require members to obtain services from a very select group of providers to be eligible for coverage. However, premiums are generally lower under these plans. Another advantage is less paperwork than PPOs on average.
If you have any questions about specific insurance coverage under your plan, please contact your insurance provider.
Please don’t hesitate to call our office to inquire about whether we accept your insurance plan or not. For those patients of ours who do not have dental insurance, we will also be happy to work out a monthly, interest-free payment plan with you. You’ll get the services you need with some flexibility. Call 3 Stone Dental Claremont if you have any questions.
"I've gone to 3 Stone for 7 years and my hygienist, Diane Meadows, is great. She's caring, gentle, resourceful and will put your anxiety to rest. I've experienced only willingness to accommodate your needs by the rest of the staff. Thumbs up!"
"What I liked most was the good advice and plan they gave me to fit within my budget and they have always got me right in within a few days if not sooner when I call. I would say they are accommodating and friendly."