HMO Dental Insurance
HMO dental coverage stands for "Health Maintenance Organization" dental insurance. This type of insurance requires some type of prepayment from you. In exchange, you get dental care from a network of dental care providers. If you want to use a dentist outside the approved network, you must pay your entire dentist's bill yourself. This type of insurance is also known as a "capitation dental insurance plan."
In HMO dental coverage, dentists in a network have to provide dental care to members of the insurance plan they are part of. No eligible patient can be turned away. Dentists that are part of the network are paid once a month by the insurance provider. Usually, this payment is a fixed monthly sum per person.
You can save a lot of money on services in an HMO but your selection of dentists is limited by the overall membership of the HMO. Some people don't mind finding a new dentist that is in the network while others would prefer to choose any dentist they would like.