HMO's are the worst of the worst. basically if you sign up, your then asigned a pool of patients for which your paid a set small fee per month to cover all of those patients needed dental care. You basically end up hoping that all the patients asigned to you DON'T show up for care, since if they all did, you'd be operating a loss.Originally posted by trypmo
I'd feel guilty not accepting insurance because there are so many people I wouldn't be able to treat, unless they were willing to pay out-of-pocket, which doesn't seem fair to them, so I'd probably absorb the cost of a lot of the procedures out of sympathy and then not be able to pay back my loans! Argh! Either that or become heartless.
Does dental insurance exist that is non-HMO? I've always been a bit fuzzy on this. In the above statement, I've assumed not.
Most dental insurance nowadays is non HMO, plain and simple, the dental industry has seen what's happened to our medical colleagues and doesn't want it to happen to us. As was already posted, if you don't sign up for it, it won't happen!
And what's the deal with HMO vs. PPO? Are they both equally evil?