Premier Access Insurance Company

DHMO plans (also known as capitated or prepaid plans) provide care through a network of contracted dentists. Each covered procedure has a specific co-payment (co-pay) that the member pays at the time of service; these co-pays are generally lower than the member would pay if receiving care without the DHMO plan negotiated discount.

A Dual Option dental plan allows employers to offer members a choice of a high or low plan. At Premier Access, Dual Option plan designs can come in many different formats.

The in-network dentists have agreed to accept this negotiated fee as payment in full; the out-of-network dentists may charge more and the member will be balanced billed for the amount that remains.

PPO plans provide the member with the option to receive care from any dentist or to select a dentist from the Premier Access PPO network. Premier Access members, thereby lowering out-of-pocket costs for these members.

The PPO and DHMO plans each have a distinct advantage: with DHMO, out-of-pocket costs are lower and the PPO offers more choice in where the member may receive care.

Many of the Premier Access plans are available on a voluntary basis, i.e. the employer organization deducts the cost of the plan from the enrolled employees’ paychecks each month.