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Often the less expensive of the two group coverage options, a DHMO limits eligible dental service providers to a predetermined network of dentists and orthodontists.
After signing up for a DHMO dental plan, employees must select a primary dentist.
This primary dentist will perform the majority of preventive care, routine dental work and maintenance, referring in-network dentists approved by the dental insurance carrier for oral surgeries and other procedures that require a dental specialist.
For example, if employees need to see an oral surgeon on a DHMO plan, they would need to schedule an appointment with their primary dentist to confirm the need and refer them to an in-network service provider.
Specifically, employer contributions to a group health plan are considered “pre-tax” income, enabling participating businesses to offset payroll and income tax when it comes time to calculate liability.
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