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I'm about at the end of my enrollment period for my dental insurance, and I have the option of switching from my current PPO, to an HMO. The only point of doing so would be to cover braces, since my current PPO does not cover that at all. Uncovered, it's $6500, and with an HMO it's about $2100. That's a huge difference, but considering the time involved, my own personal issues with having braces at my age, the discomfort and everything else, I really don't want to go through with this unless I'm getting a pretty damn good treatment.
That being said, I'm curious about anyone's experience with HMOs and how that payment method may affect treatment. Considering the limited number of providers, and the set dollar amount, I can't help but wonder if there will be pressure of some kind on the orthodontist to pursue less than optimum treatment methods. The orthodontist that I already visited with, the one that may very well be the best in town, but also terribly expensive, tells me that with my case, an HMO provider might push for a more standard ortho treatment, and then jaw surgery to finish it up. I'm taking that with a grain of salt because I'm being told this by the office that wants my money.
Anyone care to share their experience with quality of care for HMO providers?