DHMO (Dental HMO) is now a top-level benefit type in Plansight — a peer to Medical, Dental, Vision, Life, and Disability. Brokers can select DHMO when starting an RFP, and it carries the full quote lifecycle: its own attribute template, rate math, and presentation output.
Unlike standard dental, a DHMO plan is priced from a schedule of member copays per ADA service code rather than coinsurance percentages.
DHMO appears in the benefit-type picker just like Dental. Pick it when building the RFP and the DHMO attribute and presentation templates render automatically.
The attribute template is a list of member-cost values per ADA code (e.g. D0120 — Clinical Oral Evaluation, D1110 — Prophylaxis Adult, D8090 — Orthodontia Adult). Each is an open cell — enter any dollar amount, or leave it blank. The standard set covers 27 codes.
DHMO is fully-insured only. Monthly premium is calculated across four tiers (Employee Only, +Spouse, +Child, +Family) as rate × census; annual is ×12.
When a carrier offers two plans (dual-option), they roll up into a combined carrier total in the presentation.
Drop the training video here once recorded.
DHMO is for fully-insured Dental HMO plans only — there is no self-funded path. If a client has a standard dental plan, keep using the Dental benefit type; use DHMO specifically for prepaid/HMO dental products priced by service-code copays.