Dental Care
Oct. 25th, 2017 10:55 am![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png){kind=small}
stormdogI have two dental insurance options available to me: an HMO and a PPO. Prima facie, the HMO seems like a better option. The premiums are lower, there is no deductible, and no annual benefit cap. It is limited to providers within the network, but there are enough of them around that I don't feel it would be a significant limitation.
However, in reading further on dental practices and their payment plans, it seems at least possible that HMO patients receive a lower standard of care because practices are not compensated well enough to be profitable for care provided to them. See this conversation for one example (of several) that I found of dentists and/or dental students discussing the problems inherent in HMO plans and the somewhat sketchy ways that practices deal with them.
https://forums.studentdoctor.net/threads/hmo-insurance-insight-information.940922/
Do any of my readers have thoughts and/or experience with this?
Thanks!
However, in reading further on dental practices and their payment plans, it seems at least possible that HMO patients receive a lower standard of care because practices are not compensated well enough to be profitable for care provided to them. See this conversation for one example (of several) that I found of dentists and/or dental students discussing the problems inherent in HMO plans and the somewhat sketchy ways that practices deal with them.
https://forums.studentdoctor.net/threads/hmo-insurance-insight-information.940922/
Do any of my readers have thoughts and/or experience with this?
Thanks!
