Stephen Geri: Well Good Morning! It’s Tuesday Benefit morning again from Diversified Employee Benefit Services, Stephen Geri. www.debsinsurance.com

We want to talk a little bit about DHMO’s with a PPO dental plan. So, all the time we talk about PPO dental, we realize we can go in and out of the network, but we have a limited benefit program. DHMO’s are much better programs, especially for our lower income people— or higher income people that have a terrible time with their mouth and need lots of work. Monarch Dental, Aspen Dental, Briden Dental are some of the national DHMO carriers you can use and they pay as a co-pay. Everything is 50% with a $5 office visit. Thank you again from Diversified, trying to explain what a DHMO will do for you.