Dental HMO Insurance Plans in California
Question: I have a 13-year-old son who needs dental care but does not have dental insurance. Since I am not seeking dental care, can I buy my son a dental HMO insurance plan? I am asking because I am on a fixed income and want to spend the least amount possible. I want to get dental insurance for my son and make his dental care more affordable.
Answer: Your role in this decision-making process is crucial. Some dental HMO plans allow you to purchase a plan for a minor, while others require at least one adult listed as head of household. It’s advisable to consider buying a plan for yourself and your minor son. If you don’t have dental insurance, the cost difference between a couple and an individual HMO plan is generally insignificant, around $10.00 – $15.00 more a month. If you have any questions about the different dental insurance plan options we provide on our website, please call our member services at 310-534-3444. We’re here to assist you in picking the right plan and coverage for you and your son. Remember, you’re not alone in this process.
Hello and welcome! This article will explore the various types of dental insurance available. Whether you’re seeking coverage for yourself, your family, or your employees, understanding the different options will help you make an informed decision. Let’s explore the world of dental insurance together.
When considering dental insurance for your minor child, it’s important to note that not all insurance companies will have a minor only on the plan as an individual plan. In some cases, you may have to have an adult and a minor child buying a couple plan. The couple’s plan for dental insurance is either two married adults or an adult with their minor child. To find out if you can only have a minor on a dental insurance plan you are reviewing, you can call and confirm for each plan. However, even on a fixed income, consider insuring yourself. Sometimes, the cost difference between an individual and a couple plan is insignificant compared to paying the total cost for dental services when you may need it.
An HMO insurance plan may be excellent for fixed or low-income dental coverage. Dental HMO insurance plans range from $7.95 to $35.00 for individual or couple plans. Most HMOs provide free to low-cost preventive dental care services to maintain good oral health and avoid more extensive dental care needs. With an HMO dental insurance policy, you can save money on your child’s dental care needs.