Dental hmo or ppo? - cigna dental hmo
So I went to the dentist on Thursday .. I have CIGNA HMO ... I pay $ 18.46 per month ... No shit covers what to do ... So I called my best friends mother who is a manager for a dental OFC OFC and told me that if I cover the PPO switch .. 80-100% PPO monthly price is $ 45.40 .. such as irrigation oral .. $ 79.00 but with OPP ... be $ 32.00 ...
They are open enrollment to change it now without any problems .. But I will not be able to return to the HMO in May 2008 ... HELP !!!!!
Sunday, February 7, 2010
Cigna Dental Hmo Dental Hmo Or Ppo?
1 comment:
Ok first one is an HMO generally cheaper. Most dental plans are nothing like the health plans so be careful. 90% plans are, what they refer 100-80-50 plans to 100% for prevention, cleaning, X-rays, etc., 80 of the base, call filled .. and 50% higher. How expensive items in prosthetic crowns.
A PPO is a good alternative, because the company make a contract with the dentist, only a certain amount for each service account. regardless of what is usually required. Each plan is different, and your friend can only speak of his office. I worked front office for many dentists and dental technicians by PacifiCare.
The coverage of May is more expensive that you can go for a dentist outside the network, or even need, a plan is too low. Some plans are 75-30-10. Read the information carefully in your contract and find the case. In the back of your card, dental care is an 800 # for customer service and can help you, the details and not by othersr employer (if that's when you know through your insurance company) without which politics is hard to say, but is usually not a problem Cigna. But if you want and pay for insurance out of pocket and not by an employer to consider Blue Cross .. They have the best shot from there and the larger network. All dentists are for certain amounts of their region and the number of dentists who accept contractually BC / BS is much higher. You need for the office in your country, every state has its own rule, BC / BS Google website. PacifiCare is good, but especially on the west coast right now, but it is growing.
First, make sure that your dentist in your teeth operators. Typically this is problem # 1 There are not any difference between a network of preferred suppliers and regularly. Preference was generally lower prices. HUN good luck, and remember to shop around.
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