DHMO vs DPPO
A DHMO assigns members to an in-network dentist with set copays and usually no annual maximum. A DPPO allows any dentist, with deductibles, coinsurance, and an annual benefit maximum.
Coverage
Preventive, basic, and major dental coverage to round out your employee benefits package.
Who it's for
What it covers
How it works
You pick a DHMO, a DPPO, or both, and decide whether the business pays for it or employees pay through voluntary payroll deductions.
Employees enroll themselves and their dependents when the plan starts or when they're hired. Voluntary plans may need a minimum number of enrollees.
DHMO members see their assigned dentist and pay set copays. DPPO members can see any dentist; the plan pays a percentage after the deductible, up to the annual maximum.
Dental rates are often guaranteed for more than one year. At renewal we compare the market and adjust benefits if needed.
Before you decide
A DHMO assigns members to an in-network dentist with set copays and usually no annual maximum. A DPPO allows any dentist, with deductibles, coinsurance, and an annual benefit maximum.
PPO plans cap what they pay each year per person. A higher maximum costs more but matters for employees who need major work.
Some plans, especially voluntary ones, delay coverage for major services and orthodontia. Carriers will often waive waiting periods for groups switching from prior coverage.
Employer-paid plans generally have richer benefits and fewer restrictions. Voluntary plans cost the employer nothing but may need a minimum number of enrollees.
FAQ
Yes. Group dental is usually sold as a standalone plan, so you can offer it with or without group health coverage.
Many plans cap benefits between $1,000 and $2,000 per person per year, and some offer higher maximums for a higher premium.
Most plans limit orthodontia to children, often up to age 19. Some plans offer adult orthodontia as an option.
Nothing in premium. Employees pay the full cost through payroll deduction, and the business handles the deductions.
Federal COBRA applies to dental plans for employers with 20 or more employees. We can explain continuation options for smaller groups.
Get a side-by-side quote from multiple carriers. There's no cost and no obligation.