HMO Dentist Near You – Coverage
Dental Health Maintenance Organization (DMHO) providers offer services to their patrons. The dentist you will visit depends on the type of coverage that you have. Newport Smiles accept different HMO providers. Our staff will help you find the dentist allowed by your HMO who can perform the procedure you needed. Drop by our office in Newport Beach, CA today.
Some allow patients to receive treatments, exams, and procedures with no cost or copayments at a office. If the provider allows you to get work by a dentist near you, visit us and we will assist you in filing a claim.
No need to bring a card when you visit our office. Just let our front desk know the plan and the other information required. They will help you find out what is included in the coverage and if there are any copayment concerns.
Learn more about how you can finance your treatment at Newport Smiles.
Types of HMO Insurances We Accept
DeltaCare
A prepaid plan, DeltaCare USA includes no annual deductibles, a set of copayments, and no maximums for covered benefits.
To receive care, enrollees, in most states, must choose a primary care dentist from the DeltaCare USA network. You are permitted to change dentist once a month via internet or phone.
For most preventive and diagnostic care, very low or no copayments are necessary. There are no exclusions for missing teeth or preexisting conditions.
More than 250 different procedures are included in the plan, such as cleanings, teeth whitening, and bleaching.
Disclaimer: This information is subject to change on behalf of DeltaCare USA. We are giving this as an informal guide to assist you in determining what is covered. Please visit the website or call customer service or the number listed on the membership ID card for a more accurate information.
Safeguard
Safeguard covers over 400 procedures with a reduction of up to 25% on applicable treatments. You will receive a comprehensive plan showing the cost of each service so you will get an idea of what you are paying.
Disclaimer: This information is subject to change on behalf of Safeguard. We are giving this as an informal guide to assist you in determining what is covered. Please visit the website or call customer service or the number listed on the membership ID card for a more accurate information.
Guardian
Guardian is an HDMO that includes preventive care to ensure you and your family will be healthier for years. There is no copayment on most of the preventive and diagnostic treatments, with a few or no cost for cleanings and X-rays.
Our dentists offer discounted rates, making the cost more affordable. This assures the child is getting the care he or she needs to help prevent tooth decay and other oral health issues common to children. You get more savings for procedures related to root canal and crown.
The Guardian processes the claim within 48 hours from the time you submitted a claim. There are no long wait periods when claiming and you can receive the procedures immediately.
Disclaimer: This information is subject to change on behalf of Safeguard. We are giving this as an informal guide to assist you in determining what is covered. Please visit the website or call customer service or the number listed on the membership ID card for a more accurate information.
Aetna
Aetna is a cheaper cost provider and benefits plan compare to other HDMOs. There are no annual maximums or deductibles.
They offer coinsurance plans so you can change plans every month. You pay for the treatments via copayment or coinsurance.
Major and basic treatments are covered by this eligible preventive insurance.The cost of most procedures is 15% to 50% less the original cost if you have a discount card.
Disclaimer: This information is subject to change on behalf of Aetna. We are giving this as an informal guide to assist you in determining what is covered. Please visit the website or call customer service or the number listed on the membership ID card for a more accurate information.
Cigna
With Cigna, most treatments have a copayment or coinsurance. Through their website, you can manage and check healthcare finances. Both preventive and routine care treatments are free.
Crowns, amalgam fillings, extractions, root canals, bridgework, gum treatment and dental care, dentures, general anesthesia, and surgery are free if the procedure is included under the plan schedule allowance.
Cigna does not have an annual deductible.
Disclaimer: This information is subject to change on behalf of Aetna. We are giving this as an informal guide to assist you in determining what is covered. Please visit the website or call customer service or the number listed on the membership ID card for a more accurate information.
Having Dental Insurance
Insurance is a necessity, although it may seem unimportant to some people. The cost of a procedure is the usual reason why people shy away from visiting a dentist. Some would rather forego the need to get a checkup due to financial reasons, but how would you go about it when it becomes urgent?
Some may think that insurance is not essential but it is a necessity. The common reason why people do not visit the dentist is the cost. It is common for most people put off oral health due to financial issues. The problem is if the issue becomes an urgent matter.
Rushing to a dentist in the area to have an extraction, filling, an implant, or surgery can be a big concern, particularly if you lack the resources. Why wait for this to happen when you can get a checkup at Newport Smiles via HMO?
Several employers offer their employees an HMO that includes insurance and group policies that include routine checkups and preventive care at no cost. Most of these plans allow you to get a checkup in the area without having to wait for a long time. You can visit us for all basic and major needs once the insurance takes effect.
Every family should have dental insurance. Children, in particular, are more likely to get emergent issues. Some children may need braces. Cosmetic work such as braces are expensive that can cost you about $5,000 or even more if you do not have insurance.
A routine checkup helps you prevent dental emergencies that lead to a great overall health. A routine visit requires you to pay for the checkup but this will not be a big concern if you have an insurer.
HMO Dental Insurance
If you have a DMHO, you have the option to select the primary care dentist located in the area. The primary dentist takes care of all needed treatments. Should you need a special procedure, you would need a referral from your provider. Nearly all HMO l plans cover emergency out of network care.
HMO network of dentists are is professional and experienced. They have met the required standards of quality, including the cost of their practice. Our dentists are similar to the HMO network. They arrange for fair and low costs for both current and future patients with the provider. With this type of insurance, you get to pay less. There is normally no deductible or a very cheap care. Insurance plans give you a roster of covered procedures, as well as the copayment for the other party.
This type of plan does not have an annual calendar maximum so you can visit the dentist several times in a year. There is an exception, however, on any limitations that are stated in the plan. The set amount that you will receive each year is not stated, though.
Learn more about HMO coverage, call or visit Dr. Aarti Puri today. We are located near Laguna Beach and Irvine, serving the entire Orange County area. With insurance, you are confident that any emergency will be attended to properly and immediately.
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