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Old 12-03-2014, 12:12 PM
 
3 posts, read 3,251 times
Reputation: 13

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I'm shopping around for dental & orthodontic insurance and need suggestions on companies that offer reasonable coverage.

I looked into Humana, however it was an HMO plan. HMO providers tend to be sub-par. Or at least that's what I've been seeing so far in my research.

Any suggestions?

I looked into BcBs, but they don't even cover orthodontics.

Should I go the HMO or the PPO route?

(This would be for an adult, no children. It would need to be an independent plan...)
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Old 12-03-2014, 12:17 PM
 
533 posts, read 1,525,026 times
Reputation: 200
Dental Insurance companies have different tiers or plans based on what they will cover. The more they cover, typcially the higher the premium is. Most insurance companies have some type of top tier plan that will cover adult orthodontics. DO NOT go with any type of HMO plan. You are right, they are subpar, and so only the worst dentists/orthodontists accept them, or they try to find ways to cut corners as they get paid about 1/4th their normal fees. What I have found is that Carington, Delta Dental, and Aetna typically have the best plans. Full disclosure- I am a dentist.
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