• Under your PPO or DHMO is there an option where you can up the services you get for what you pay?
  
• Can you choose between a PPO or DHMO in a group plan?
  
• Do the dentist and the program allow a large enough treatment plan? You want to make sure your dentist offers the services you need.
  
• Can your dentist submit pre-treatment estimates? This can make a difference in planning costly dental care.
  
• Can you spread your treatment out? If you need something done that can be done in stages is that an option? It can allow you to spread services that will cost you a good bit over two calendar years.
  
• Do you have alternatives? Implants – bridges – partial dentures or are you stuck with the least expensive treatment – no matter what you or your dentist wants?
  
• Teeth cleaning – usually twice a year some policies word it every six months and if you go in before your six months are up – you pay.
  
• Coverage on the kids – what is the cut-off age for kids? 18 or 19? How can you keep students on?
  
• What services are covered? New treatments may not be
  
• Discount for cash – does your dentist offer a cash payment dentist? If he does, and you can pay up front and then bill the dentist yourself you could save on your co-pay.
  
• How often to they review or update the UCR or Table the use to calculate payments?
  
• Request that your premiums and the method of determining it be reviewed yearly.
  
• Does your dentist offer a discount for referrals?

Check First

Checking into these things before signing can make a big difference in the amount of payment you put out and the quality of care you receive.

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