Dental Maintenance Organization (DMO) Plans -
A Brief Overview

You have the choice among four DMOs (CIGNA, DeltaCare USA, Safeguard, or United Concordia). A DMO is similar to a Health Maintenance Organization (HMO) except that a DMO exclusively provides dental care.

Under a DMO Dental Plan, you will be provided most dental care for either no charge or for a fixed co-payment, per procedure. By enrolling in a DMO Dental Plan, you will know in advance what amount of money you will be out-of-pocket for a particular procedure or series of procedures. Similar to an HMO, a DMO will be the most cost effective (least out-of-pocket expense) plan you can choose for procedures, which are covered.

Importantly, under the DMO Plans, you must select a dentist from the directory of dentists, which is provided by each DMO provider. In order to receive Plan benefits, you and your spouse must obtain all your dental care from the dentist you have selected. Each DMO has procedures in place, allowing you to change to another panel dentist, because you move or prefer a change for other reasons. The dentist you choose will be responsible for referring you to a specialist if that becomes necessary.

Each dental section in this booklet has an outline of the dental benefits available, and the exclusions and limitations for each DMO dental plan offered through the Trust.  For specific information regarding each plan, refer to the disclosure information provided by the particular dental plan. The following information is for general information purposes and in no way replaces the information disclosed by the dental providers.