Need helping choosing a dental insurance plan Aetna DMO or PPO?
I am being offered two options at work for dental insurance.
Aetna DMO and Aetna PPO
The DMO will be $24 a month for the inherited, while the PPO will be around $56
In terms of benefits, the DMO is better, there is no deductible, no annual maximum, and most services are covered at any 100 , 90 or 80%
The PPO plan has a $150 family deductible, and $2500 annual maximum per individual. Services are covered at 100/80/60% depending on the type.
On the surface it seems the DMO is the logical choice, however, much like an HMO here are downsides. The number of dentists available in my zip code for the DMO is 3, compared to the PPO which have 28. The DMO does not have out of network benefits, while the PPO does. The PPO does not require referral for specialists, which the DMO does.
I am really having a hard time choosing. We don't use dentists that much, we hold our cleanings, an occasional cavity, and rarely a root canal. I don't want to simply jump with the cheapest option necessarily, so any input would be great! Especially if you hold experience with an Aetna PPO/DMO
Answers:
This is how I see it. If you are blessed with just 1 cavity in 10 years, choosing Dental HMO is better. Why pay more, when you don't really obligation too.
Related Questions:
Aetna DMO and Aetna PPO
The DMO will be $24 a month for the inherited, while the PPO will be around $56
In terms of benefits, the DMO is better, there is no deductible, no annual maximum, and most services are covered at any 100 , 90 or 80%
The PPO plan has a $150 family deductible, and $2500 annual maximum per individual. Services are covered at 100/80/60% depending on the type.
On the surface it seems the DMO is the logical choice, however, much like an HMO here are downsides. The number of dentists available in my zip code for the DMO is 3, compared to the PPO which have 28. The DMO does not have out of network benefits, while the PPO does. The PPO does not require referral for specialists, which the DMO does.
I am really having a hard time choosing. We don't use dentists that much, we hold our cleanings, an occasional cavity, and rarely a root canal. I don't want to simply jump with the cheapest option necessarily, so any input would be great! Especially if you hold experience with an Aetna PPO/DMO
Answers:
This is how I see it. If you are blessed with just 1 cavity in 10 years, choosing Dental HMO is better. Why pay more, when you don't really obligation too.
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