Oral and Overall Health
Which plan do you feel is most appropriate for you and your family?
Test your dental plan knowledge with this quick-to-complete quiz.
Q1) Which plan generally has:
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.
Q2) Which plan:
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.
Q3) Which plans negotiate fee schedules with participating in-network dentists, saving you money on out- of-pocket expenses?
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.
Q4) Which 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.
© 2018 MetLife Services and Solutions, LLC.
All information provided on this website ("Website") is intended for your general knowledge only and is not a substitute for obtaining medical or dental advice for specific medical or dental conditions or other advice from your dentists or doctors. This Website is developed, provided and maintained by Verifpoint.com, Inc. By making this Website available to you, Metropolitan Life Insurance Company and its affiliates (collectively, "MetLife") is not engaged in rendering any such advice. Use of this Website is subject to all the terms stated herein. Insofar as the information provided on this Website is from third parties or links to third party websites, it has no association whatsoever with MetLife, unless expressly stated.