My teeth hurt and then give me headaches. My medical insurance helps with some issues, but my doctor told me that I need to see a dentist to take care of the dental issues that are affecting my health. Can I get something low-cost that will still help? I do not have much money.

Answer: I suggest reviewing dental HMO plans. Dental HMO plans are the lower-cost plan types, and they help reduce your dental care cost so that it is much more affordable. We have dental HMO plans that start as low as $7.95 – $19.95 for an individual. They will help you with your dental care needs and make your dental care cost more affordable.

However, you should know that dental HMO plans have both pros and cons. Some pros include lower costs, no annual maximums, and no deductibles. Additionally, most preventative services are covered at little or no cost. On the other hand, some cons of dental HMO plans include limited provider networks, which means you may need to switch dentists if your current dentist is not in-network. Additionally, dental HMO plans may not cover some specialized services or procedures.

It is important to carefully review the plan details and network of providers before choosing a dental HMO plan. Call our member service line at 310-534-3444 if you have any questions about our dental insurance and plan options, as we will be happy to help.