Dental HMO insurance plans are similar to dental discount plans in the fact the normally their benefits are based on a fee schedule.   Therefore you will want to compare the fee schedules that are provide for each plan. Generally speaking HMO plans list all the services that are covered under the plan on the schedule.  Some plan have shorter fee schedules then others and since they are different companies that means they each have their own fee schedules showing  you your cost for dental services covered.  Not all HMO dental insurance plans provide benefits on specialist, however when specialist are covered it normally a percentage such as 20 – 30 percent off UCR.  Make sure you read the plans terms to confirm.

Under an HMO dental Insurance plan there is  no outside network provider benefits.  Therefore you will want to review and compare dentist within each plan. Making sure you have dentist in your area under the plan before buying one.  I suggest always calling the dental office.  Not only to confirm they are still accepting the plan in question but also in order to asking any question you feel is important in picking your provider.