Plans such as a DHMO (dental health maintenance organization plan) or other pre-paid plans are only offered in certain areas.
Instead, you can switch on a monthly basis between Cigna Traditional, Cigna Dental PPO, and Cigna Dental Care (DHMO).
Guardian's dental coverage consists of two major network types, the preferred plan network (PPO) or the managed plan network (DHMO and Pre-Paid).
A PPO is a "Preferred Plan Organization," and a DHMO is a "Dental Health Maintenance Organization."
By contrast, the DHMO, or dental health maintenance organization, requires that members remain strictly within the plan's network of providers.