Dental Insurance

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Dental Insurance HMO

These insurance plans, also known as "capitation plans," operate like their medical HMO cousins. Some typical features of these plans:

  • Monthly premiums (some require you to prepay a year's worth)

  • Co-payments for office visits
  • Free preventive or routine care
  • You must select from an approved network of dentists
  • May have an initial enrollment fee
  • Annual dollar cap
  • Your average monthly cost: $6 to $15
  • Companies selling these plans are regulated by state insurance departments.

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