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Hybrid Plans
Network Only | Network Optional | Hybrid | Riders | Indemnity | Discount | Health Fund

Our "two-in-one" dental insurance and benefit plan design, Freedom-of-Choice, provides the administrative ease of one plan, while employees choose between the benefits of two - the DMO plan with either a PPO or indemnity plan.
  • Preventive, basic and major services covered
  • Pay a blended rate, no matter which packaging of plans employees select
  • Employees can easily switch between plans on a monthly basis by calling Member Services
Addtional Features:
  • Nationwide employees can share a common plan, so benefits are consistent across all company locations
  • Get DMO benefits with lower out-of-pocket costs or switch to PPO plan for broader choice of dentists
  • DMO is available as full-risk only; PPO and Indemnity as self-funded or full-risk
  • Learn more about the plan options:


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* Academy of Periodontology. "How Gum Disease Threatens Your Health" [article online]. Feb 2006. Available at http://www.perio.org.