Which plan do you feel is most appropriate for you and your family?
Test your dental plan knowledge with this quick-to-complete quiz.
Not quite. DHMO plans generally have no deductible or maximum and often require no copayment for cleanings. Although the other options listed here often require no copayment for cleanings, they all have deductibles and annual maximums.
Not quite. Direct Reimbursement is the only plan where you pay all costs and then wait for reimbursement, and is funded by your employer. When you have a discount plan you are expected to pay for the discounted fee at the time of treatment, but there is no reimbursement of what you pay.
Not quite. Only both PPO and EPO plans negotiate fee schedules with participating dentists. Discount Plan dentists do participate in a network but a Discount Plan is not a true insurance plan.
Not quite. Discount plans are the only plans listed here that are not true insurance plans. Direct Reimbursement, not included in the question above, isn’t an insurance plan either. All the other plans listed are regulated by state insurance boards and have participating networks of dentists.
Q5) Although you can visit any dentist you like, if you visit a participating in-network dentist, which plan generally offers:
Not quite. PPO is the correct answer. PPO plans do allow you to visit out-of-network dentists. However, by visiting an in-network dentist you can expect your out-of-pocket costs to be lower. DHMO Plans don’t allow you to see out-of-network dentists and Discount Plans are not true insurance plans.