Active Employee Dental Insurance
As a City of Fort Worth Employee, you have four dental plan options available to you. Dental Preferred Provider Organization (DPPO) option with two plan choices and Dental Health Maintenance Organization (DHMO) option with two plan choices.
The DHMO options (high and low) offer a more cost-conscious option with copays for most services. You must elect a primary care dentist with this plan and that dentist will act as the “gatekeeper” for your care and refer you to other types of dentists as needed. The DHMO plan will cover orthodontia for both adults and children up to plan limits.
The DHMO high option provides you with fixed copays for all levels of services provided you have received a referral to a network specialty dentist and the treatment plan has been authorized for payment.
In the DHMO low plan, advanced services, such as bridges or crowns, are only covered if you go to your selected network general dentist. Services under a specialty network dentist will not be covered, however if you do need services from a specialty dentist, you will be able to pay the contract rate and not the full usual fee.
The DPPO options (high and low) offer you more freedom of choice for dentists. Both plans offer in and out of network coverage. A primary care dentist is not necessary and covered treatments are paid out on a coinsurance basis. You will not receive a card for the DPPO plans.
The DPPO high option offers a higher annual maximum and higher levels of coinsurance. It also covers implants and orthodontia is covered for children up to age 19 and adults.
The DDPO low plan has a reduced annual maximum and pays a lower coinsurance rate. Orthodontia is not covered under the DPPO low option, but implants are covered.
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