Dental Benefit, Individual Dental Insurance HMO Plan in Texas
Question: I was looking at the Delta Dental HMO plan in Texas. I was wanting to know how it works. Besides picking a dentist in the net work which I know is a requirement. What other things should I know about getting an HMO dental plan?
For claims, do I have to pay in full and wait for a refund? I would like to know since that was how my last plan I had though work was like. I really did not like having to pay the dentist in full and then wait a month for my money back. It was good coverage’s but I did not always have the money at the time I needed dental work.
Reply: No, on a HMO dental insurance plan you are paying the dentist only the agree coverage’s amount for your dental services. Therefore there is no claims forms for you to fill out. And you are not left waiting for any refunds from the insurance company.