Dental Health Maintenance Organization (DHMO) or Prepaid plans
A Dental Health Maintenance Organization (DHMO) plan can also be called capitated or pre-paid plan in some states.
You will be required to choose one dentist or dental facility from which to receive all of your dental care. This dentist is called your primary care dentist. If you need to see a specialist, your primary care dentist will refer you.
What you pay:
Each time you receive a dental treatment, you pay a fixed dollar amount (this is called a ‘co-payment’).
Most diagnostic and preventive services, such as cleaning and some x-rays, have no copayment so these services will be free.
DHMO plans do not usually have deductibles or maximums.
Dentists in the network have gone through a rigorous credentialing process to be considered for participation.
Be aware that:
MetLife offers DHMO or pre-paid plans only in specific states.
If you visit a dentist other than your assigned primary care dentist, you will have to pay the full cost of treatment.
Specialty care that you are referred for may require preauthorization.
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