Archive for the 'Delta Dental Plan' Category
Jun. 10th 2024
Question: I am considering buying a dental plan, but a few people say dental insurance is not worth it. Is that true?
Answer: Our standard answer would be no, but that is not entirely true. After all, we sell dental insurance and dental discount plans. However, it’s crucial to understand the different dental plan types and how they work. This knowledge can empower you to decide for your dental needs, considering factors such as when, why, and who. This understanding can instill confidence in your choice, knowing that you are making an informed decision about your dental health.
When: Gaining a comprehensive understanding of the different dental insurance plan types is beneficial and empowering. This knowledge equips you to make the right choice for your dental needs. For instance, some plans, like PPO and Indemnity insurance plans, may have waiting periods. A waiting period is a specified time before your dental plan covers certain treatments or services. On the other hand, HMO and dental discount plans usually do not have plan waiting periods. This understanding can help you make an informed decision, instilling confidence in your choice.
Why: Your dental needs are at the forefront of this decision. They play a significant role in deciding whether dental insurance is worth it. If your current dental needs are just for preventive dental care such as X-ray office visits and cleaning, you could buy either dental plan and be okay. However, if you anticipate needing more extensive treatments like fillings, crowns, extractions, etc., it’s essential to consider waiting periods and the plan’s effectiveness in covering these treatments. Your needs are unique, and understanding them is key to making the right choice.
Who: The dental office you choose for dental care can also influence your decision to buy dental insurance. Check what dental plans they accept to stay with a current dental office. Some plan types require you to stay in or choose a dentist within their plan network of providers. If the dentist you want to visit is not a provider of these plans, your options are limited to other plan types.
Using it: Dental insurance is only worth the cost if you use it. Many people purchase dental insurance and fail to utilize it fully. It’s important to remember that the value of dental insurance lies in regular check-ups, cleanings, and any necessary dental work. You must take advantage of these benefits to avoid paying more for the insurance than you receive in dental care. Therefore, assessing how often you’ll use it and whether the coverage aligns with your dental health needs is essential before investing in dental insurance.
Remember, we’re not just here to sell you a dental plan. We’re here to help you find the insurance plan that best fits your needs. We offer a variety of plan types, and we’re always ready to assist. If you have any questions about our dental insurance and plan options, please don’t hesitate to call our member service line at 310-534-3444. We’re committed to helping you make an informed decision, ensuring you feel supported and cared for throughout this process.
Sarah’s Journey: Making an Informed Decision About Dental Insurance
Once upon a time, a young woman named Sarah lived in a small town in the hills. Sarah had always meticulously cared for her teeth and visited the dentist regularly. However, as she grew older, she wondered if she should invest in a dental plan. She had heard conflicting opinions from friends and family about whether dental insurance was worth it.
Determined to make an informed decision, Sarah embarked on a quest to understand the ins and outs of dental plans. She researched the different types of dental insurance and discount plans, learning about waiting periods, coverage for specific treatments, and network providers. As she delved deeper into her research, she realized that her dental needs would play a significant role in determining whether dental insurance would be worth it for her.
After thorough consideration, Sarah discovered that dental insurance would benefit her, especially considering her proactive approach to dental care and her anticipation of potential future treatments. Armed with this knowledge, she felt empowered to choose for her dental needs.
With her decision made, Sarah reached out to a trusted insurance provider that offered a variety of plan types. She was pleasantly surprised that the provider was not just focused on selling her a dental plan but was genuinely committed to helping her find the insurance plan that best fit her needs. Sarah also made sure to choose a dental office that accepted her chosen dental plan, ensuring that she could continue to receive care from her preferred dentist.
Ultimately, Sarah made an informed decision and invested in a dental plan aligned perfectly with her dental health needs. She felt supported and cared for throughout the process, knowing that she had made the right choice for her oral health.
From that day on, Sarah prioritized her dental care, making the most of her dental insurance by scheduling regular check-ups and cleanings. She found peace of mind knowing she was taking proactive steps to maintain her oral health while making the most of her insurance benefits.
The story’s moral is that anyone can decide whether dental insurance is worth it with the proper knowledge and understanding. Like Sarah, taking the time to research and seek assistance from knowledgeable professionals can lead to a confident and empowered choice that ensures one’s dental health needs are met.
Know the differences between dental insurance and dental discount plans.
Dental insurance and dental discount plans are different approaches to managing dental care costs. Dental discount plans, also known as dental savings plans, are not insurance. Instead, they provide a discounted fee schedule for various dental services when you visit a participating dentist. Understanding the differences can help you decide which option best suits your needs.
Dental Insurance:
1. Premiums and Deductibles: Dental insurance typically involves paying monthly premiums and may have an annual deductible that must be met before the insurance coverage kicks in.
2. Coverage and Benefits: Dental insurance plans usually cover a percentage of the cost of various dental treatments, such as preventive care (including regular check-ups, cleanings, and X-rays), basic procedures (like fillings and extractions), and major procedures (like crowns, root canals, and oral surgeries). The specific coverage and benefits vary depending on the insurance plan. Some plans may cover a higher percentage of the cost of preventive care, while others may provide more coverage for major procedures.
3. Network Providers: Most dental insurance plans have a network of dentists and dental specialists. Visiting an in-network provider may result in lower out-of-pocket costs, while going out-of-network may lead to higher expenses or limited coverage.
4. Waiting Periods: Some dental insurance plans have waiting periods before specific treatments or services are covered, particularly for major procedures. Major procedures can include treatments like root canals, crowns, bridges, and dentures. These are more complex and costly treatments that may require a waiting period before your insurance starts to cover them.
Dental Discount Plans:
1. Membership Fees and Discounts: Instead of paying premiums, participants in dental discount plans pay a membership fee to access discounted rates for dental services. The discounts are typically applied at the time of service, and the savings may not be as significant as with a dental insurance plan but it helps to make dental care cost more affordable
2. Coverage and Restrictions: Dental discount plans do not involve traditional insurance coverage. Instead, members receive discounted rates on dental services from participating dentists and dental specialists. There are no restrictions on pre-existing conditions or treatment limitations.
3. Provider Accessibility: Unlike dental insurance, dental discount plans have networks of providers. Members can only visit participating dentists or specialists who accept the discount plan.
4. Immediate Use: Dental discount plans often have no waiting periods, allowing members to use the discounts as soon as they become active.
Ultimately, choosing dental insurance and dental discount plans depends on individual dental care needs, budgets, and preferences. Dental insurance may suit those seeking comprehensive coverage for various dental treatments. In contrast, dental discount plans may appeal to individuals looking for immediate cost savings on dental services without the constraints of insurance networks and waiting periods.
How can you assess whether a dental plan’s coverage meets your dental care requirements?
Evaluating your current and potential future dental needs is crucial to assessing whether a dental plan’s coverage matches your dental health needs. Consider factors such as the frequency of dental visits, the likelihood of needing specific treatments like fillings, crowns, or extractions, and any ongoing dental issues you may have. Additionally, consider the waiting periods for different treatments and services and whether the dental office you prefer is within the plan’s network of providers.
By evaluating these factors, you can make an informed decision about whether the coverage provided by a dental plan meets your specific dental health needs. This assessment can help ensure you choose a plan that aligns with your requirements and supports your oral health.
What are the potential drawbacks of purchasing dental insurance without fully utilizing it?
The potential drawbacks of purchasing dental insurance without fully utilizing it include:
1. Wasted Premiums: If you use your dental insurance sparingly, you may pay more in premiums than you receive in dental care benefits. By not using your plan when needed, you might not get the total value of your insurance.
2. Missed Preventive Care: Regular dental check-ups and cleanings are essential for oral health. If you have dental insurance but don’t use it for preventive care, you could miss out on early detection of dental issues and potential savings in the long run.
3. Limited Coverage for Major Treatments: If you anticipate needing extensive dental treatments like fillings, crowns, or extractions but you haven’t fully utilized your dental insurance, you might find that your coverage isn’t as comprehensive as you need it to be when the time comes for these treatments.
4. Opportunity Cost: The money spent on underutilized dental insurance could have been used for other essential expenses or saved for future needs.
Before investing in a plan, it’s essential to carefully assess how often you’ll use your dental insurance and whether the coverage aligns with your dental health needs.
If you are considering purchasing dental insurance or have inquiries regarding dental insurance and your dental care, feel free to contact our office at 310-534-3444. CaliforniaDentalInsurance.com provides a wide range of dental insurance plan options to cater to your specific needs. Whether you are seeking comprehensive coverage or looking for a plan that aligns with your unique dental requirements, our team is dedicated to assisting you in making an informed decision about your dental health.
Jun. 3rd 2024
Question: I have a family of four and am looking for a good dental insurance plan since I am new to California. A friend has advised that Delta Dental is a good plan, but which Delta Dental plan is the best?
Answer: Delta Dental offers a range of dental insurance plans, making it a popular choice for individuals and families alike. With various plan options, Delta Dental provides flexibility to cater to different dental care needs. For instance, the maximum limitation for Delta Dental plans can range from $1000 to $3000, allowing individuals to select a strategy that aligns with their anticipated dental care requirements.
Moreover, the Delta Dental HMO plan presents a more cost-effective option for Californians. This plan is designed to provide quality dental coverage at an affordable rate, making it an attractive choice for many individuals and families.
If you’re considering Delta Dental for your dental insurance needs, assessing your specific requirements is essential to determine the most suitable plan for you and your family. Whether you prioritize preventive dental care or anticipate needing more extensive dental services, Delta Dental has options to accommodate various preferences.
For more information about Delta Dental plans or any other dental insurance options, contact member services at 310-534-3444. The team at CaliforniaDentalInsurance.com is always ready to assist you in finding the best plan tailored to your dental care needs.
Delta Dental of California and Affiliates: Promoting Oral Health Since 1955
Delta Dental of California and its affiliates have been at the forefront of offering comprehensive and high-quality oral health care benefits since 1955. With a solid commitment to providing top-notch dental coverage, our network includes several affiliates, such as Delta Dental Insurance Company, Delta Dental of Pennsylvania, Delta Dental of New York, Inc., Delta Dental of the District of Columbia, Delta Dental of Delaware, Inc., and Delta Dental of West Virginia. Delta Dental proudly caters to the dental needs of over 31 million people across 15 states, the District of Columbia, Puerto Rico, and the Virgin Islands.
As part of the Delta Dental Plans Association (DDPA), a not-for-profit national association headquartered in Oak Brook, Illinois, we work tirelessly to ensure that individuals and families have access to superior dental benefits. Through its extensive national network of Delta Dental companies, Delta Dental extends its dental coverage to all 50 states, Puerto Rico, and other U.S. territories. Moreover, we also offer vision coverage through DeltaVision in 15 states and the District of Columbia. Delta Dental’s collective efforts benefit more Americans than any other dental insurance company, demonstrating our unwavering commitment to promoting oral health nationwide.
Braking Down a PPO Dental Insurance Plan
A PPO plan is a regular indemnity plan combined with a network of dentists under contract to the insurance company to deliver specified services for discounted fees by provisions in the signed agreement. This means that as a member of the PPO plan, you can choose your dentist from within the network without needing a referral. By doing so, you can benefit from lower out-of-pocket costs for various dental procedures and treatments. This type of plan empowers you to take control of your dental health while managing your expenses effectively.
Pros of a PPO plan:
1. Network of Dentists: PPO plans offer a network of dentists who have agreed to accept contracted fees for their services, making it easier for plan members to access affordable dental care. Plan members can benefit from the cost savings and predictable out-of-pocket expenses by choosing a dentist within the network. However, if they opt to see an out-of-network dentist, it’s important to note that this may result in higher out-of-pocket costs. Therefore, it’s advisable for plan members to carefully consider their options and weigh the potential cost implications when seeking dental care outside of the network.
2. Cost-sharing: PPO plans typically involve cost-sharing, where the insurance company pays a percentage of the cost for covered services, and the member pays the remaining percentage.
3. Flexibility: PPO plans offer more flexibility in choosing dentists than HMO plans, as members can see any dentist, whether in-network or out-of-network, without requiring a referral.
Cons of a PPO plan:
1. Higher premiums: PPO plans typically have higher premiums than HMO plans.
2. Out-of-network costs: While PPO plans offer out-of-network coverage, members may face higher out-of-pocket costs when seeing dentists outside the network.
3. Coordination of benefits: Members may need to coordinate benefits if they have dual coverage, which can be more complex than HMO plans.
Before enrolling, it’s important to carefully review the details of any PPO plan to understand its specific coverage, costs, and provider network.
Braking Down an HMO Dental Insurance Plan
An HMO dental insurance plan, or Health Maintenance Organization dental plan, operates on a managed care model, providing comprehensive dental care services through a network of dentists and dental facilities. Members within the HMO network must choose a primary dentist and coordinate all dental care through this dentist, who acts as the gatekeeper for all dental services, including referrals to specialists when necessary.
Pros of an HMO dental insurance plan:
1. Cost-effective: HMO plans typically have lower premiums and out-of-pocket costs than other dental insurance plans, making them a financially attractive option for individuals and families.
2. Preventive care emphasis: HMO plans often prioritize preventive dental care, including regular cleanings, exams, and x-rays, which can contribute to maintaining good oral health and preventing more extensive dental issues.
3. No claim forms: Members of HMO plans do not have to deal with claim forms, as the primary dentist manages all necessary paperwork and referrals within the network.
Cons of an HMO dental insurance plan:
1. Limited provider network: HMO plans restrict members to a specific network of dentists and specialists, limiting the choice of practitioners and treatment options. Seeking care outside of the network may result in additional costs not covered by the plan.
2. Referral requirement: Members must obtain referrals from their primary dentist to see a specialist, which can add an extra step and potentially delay access to specialized dental care.
3. Reduced flexibility: HMO plans may limit members’ flexibility in choosing a dentist, particularly if they prefer to see a specific provider outside the HMO network.
When evaluating whether an HMO dental insurance plan is the right choice for you and your family, it’s essential to carefully consider these factors and assess your specific dental care needs.
Why Buying Dental Insurance Is a Good Choice for Your Family
Investing in dental insurance for your family is a wise decision that can provide numerous benefits in the long run. Dental insurance helps ensure that your family’s oral health needs are handled without damaging your finances. Here are a few reasons why buying dental insurance is a wise investment for your family:
1. Affordable Preventive Care: Dental insurance typically covers the cost of preventive services such as regular cleanings, check-ups, and X-rays. By investing in dental insurance, you can encourage your family to prioritize preventive care, which can help avoid more significant dental issues.
2. Financial Protection: Dental treatments and procedures can be expensive, especially if unexpected issues arise. With dental insurance, you can mitigate the financial burden of costly dental procedures, ensuring your family can access necessary treatments without worrying about the steep expenses.
3. Access to Quality Care: Having dental insurance gives your family access to a network of dentists and specialists in the insurance provider’s network. This ensures that your family can receive high-quality dental care from trusted professionals.
4. Peace of Mind: Dental insurance provides peace of mind, knowing that your family’s dental needs are covered. It eliminates the stress of paying for unexpected dental expenses and allows you to focus on maintaining good oral health for your loved ones.
5. Long-Term Savings: Investing in dental insurance can lead to long-term savings by addressing dental issues early on, preventing the need for more extensive and expensive treatments in the future.
In conclusion, buying dental insurance is a wise investment for your family as it promotes oral health, provides financial protection, grants access to quality care, offers peace of mind, and can lead to long-term savings. By prioritizing your family’s oral health through dental insurance, you invest in their well-being.
CaliforniaDentalInsurance.com provides a wide range of dental insurance plans tailored to meet the diverse needs of individuals, couples, and families. Whether you are looking for coverage for yourself, your partner, or your entire family, CaliforniaDentalInsurance.com offers comprehensive plans designed to cater to your specific requirements. With options including PPO and HMO plans, you can choose the coverage that best suits your preferences and budget.
Apr. 1st 2024
Question: I am 24, and when I was younger, I did not receive good oral health care since my parents could not afford me to see the dentist too often. I am out on my own and working full time, but I still do not receive dental benefits through my job. The dentists I have called locally say they take Dental Dental, so getting a dental insurance plan is a good option. Dental Dental of California is affordable, but does it offer good benefits for my oral health care needs?
Reply: As a young adult, oral health care is as essential as overall health. It’s unfortunate that in your childhood, you did not receive adequate oral health care due to financial constraints. It’s commendable that you are now working full-time to care for yourself. However, it’s concerning that you still need to receive dental benefits through your job. It’s crucial to have a dental insurance plan to ensure you receive the necessary oral health care services that you need.
It’s great that the dentists you have called locally accept Dental Dental, an affordable dental insurance option. But you may still wonder if it offers good benefits that meet your oral health care needs. Dental Dental of California provides various benefits catering to oral health care needs. These benefits include preventive services like routine cleanings and checkups, basic services like fillings and extractions, and major dental services like crowns and root canals.
With Dental Dental of California, you can also receive orthodontic services like braces and other treatments designed to help improve your dental health. Additionally, you can select from various dental plans designed to fit your budget while providing the benefits needed to maintain good oral health.
In conclusion, Dental Dental of California offers affordable dental insurance plans that provide comprehensive benefits for oral health care needs. So, don’t hesitate to invest in a dental insurance plan to help you maintain your oral health and overall well-being.
Choosing the Right Dental Insurance Plan for Your Oral Health Care Needs: A Guide to Delta Dental’s HMO and PPO Plans in California
A dental insurance plan that caters to your dental needs is essential to ensuring optimal oral health care. In California, Delta Dental offers a range of plan types, so the first step is to determine which plan type best suits your budget and dental care needs. Delta Dental provides two primary plan types: a low-cost HMO option and a PPO plan that allows you to select or keep your current dentist.
Suppose you’re on a budget and looking for a more affordable option. Delta Dental’s HMO plan may be the right choice for you. With this plan type, you’ll have access to a network of dentists who accept HMO insurance, and you’ll typically pay lower out-of-pocket costs for services. However, remember that you’ll need to choose a primary care dentist to coordinate your dental care and refer you to specialists if necessary.
On the other hand, if you prefer to keep your current dentist or have more flexibility in choosing a provider, Delta Dental’s PPO plan may be a better fit. With this plan type, you’ll have access to a more extensive network of dentists, including those who do not accept HMO insurance. You’ll also be able to see out-of-network providers, although your out-of-pocket costs may be higher.
When choosing a plan, consider factors such as your budget, dental care needs, and preferred providers. Delta Dental offers various resources to help you make an informed decision, such as online tools to compare plans and find a dentist.
Delta Dental offers multiple plan types to cater to oral health care needs. Whether you choose an HMO or PPO plan, you’ll have access to a network of qualified dentists and services that promote good oral health. So, take the time to explore your options and choose a plan that best fits your needs and budget.
Understanding Delta Dental Insurance Plans and Costs
The costs of Delta dental insurance plans depend on various factors, including the type of plan you choose, the services covered, and your location. Typically, the costs associated with Dental Dental of California plans include monthly premiums, deductibles, copayments, and Coinsurance. The following will break down each cost factor.
- Monthly HMO premiums: Monthly premiums are the amount you pay monthly to maintain dental insurance coverage. The cost of monthly premiums for dental insurance plans can vary significantly depending on several factors, including the type of plan, your location, and the level of coverage you select. In general, for an individual, the monthly cost of Delta Dental plans can be as low as $8.00 per month for their HMO plan. However, it’s important to note that with HMO plans, you are typically required to pay the annual rate upfront rather than a monthly premium.
- Monthly PPO premiums: Regarding Delta Dental’s PPO plans, the monthly cost for an individual can range from $45 to $95. However, the amount you’ll pay each month will depend on various factors, including your location, age, and the level of coverage you select. For instance, if you live in a zip code with a higher cost of living, your monthly premium for a PPO plan may be higher than someone living in a less expensive zip code area. Despite the potential higher price, a Delta Dental PPO plan can provide you with greater flexibility and access to a more extensive network of dentists. With a PPO plan, you’ll have the option to choose from both in-network and out-of-network providers. You can continue seeing your current dentist even if they are not a provider of Delta Dental insurance.
Cost association with Deductible
Deductibles are the amount you pay out of pocket before your insurance coverage starts. Regarding dental insurance, deductibles refer to the amount you pay out of pocket before your insurance coverage kicks in. With Delta Dental insurance plans, deductibles generally range from $25 to $150, depending on your chosen plan. However, it’s important to note that the deductible amount can vary depending on the specific plan options available to you.
Reading each plan option is crucial to verifying the deductible amount and understanding how it will affect out-of-pocket costs. For example, if you choose a plan with a lower deductible, you may pay a higher monthly premium but lower out-of-pocket costs when you receive dental services.
On the other hand, if you choose a plan with a higher deductible, you may pay a lower monthly premium, but you’ll need to pay more out of pocket before your insurance coverage kicks in. It’s essential to consider your budget and dental care needs when selecting a plan option that works best for you.
In summary, Delta Dental insurance plans have deductibles ranging from $25 to $150, depending on your chosen plan. Review each plan option carefully to verify the deductible amount and determine which option works best for your budget and dental care needs.
Cost association with Copayments/Coinsurance
Copayments and Coinsurance are two different methods of sharing the cost of dental services between the insured and the insurance provider in a dental insurance plan.
A Copayment is a fixed amount you pay out of pocket for a dental service covered by your insurance plan. For example, if your plan includes a $50 copayment for a dental cleaning, you will pay $50 for the service, and the insurance company will cover the rest.
Coinsurance is a percentage of the total cost of a dental service that you are responsible for paying. For example, if your plan includes a 20% coinsurance for a filling, and the total cost is $200, you will be responsible for paying $40 (20% of $200), and the insurance company will cover the remaining $160.
In general, copayments are more common in dental insurance plans than Coinsurance. Copayments are easier to understand and calculate, providing more financial certainty for the insured. Coinsurance, on the other hand, can be more unpredictable, as the amount you will be responsible for paying depends on the service’s total cost.
It’s important to note that dental insurance plans can vary significantly in terms of copayments and Coinsurance. Some plans may have high copayments and low Coinsurance, while others may have low and high Coinsurance. When choosing a dental insurance plan, it’s essential to carefully review the copayments and coinsurance structure to ensure that they align with your dental care needs and budget.
Understanding UCR Fees: How They Affect Your Dental Insurance Plan and Tips for Choosing the Right Dentist
In addition to monthly premiums, deductibles, copayments, and Coinsurance, another cost factor may affect your dental insurance plan: UCR fees. UCR stands for “usual, customary, and reasonable,” and it refers to the fees dentists in your area typically charge for specific dental services.
If your dentist charges more than the UCR fee for a particular service, you may have to pay the difference out of pocket. The charge is known as balance billing. To avoid UCR fees and balance billing, choosing a dentist who accepts your dental insurance plan and charges fees within the UCR limits is essential.
Before choosing a dentist, check with your dental insurance provider to find a list of in-network dentists who accept your plan. You can also call the dental office directly and ask if they take your dental insurance plan and if they charge fees within the UCR limits.
In conclusion, UCR fees can significantly impact your dental insurance plan’s overall cost. To avoid balance billing and ensure you receive the maximum benefits from your dental insurance plan, choosing a dentist who accepts your plan and charges fees within the UCR limits is essential.
From Struggle to Success: A Story on How Lena Found Affordable Dental Insurance and Access to Proper Oral Health Care
From a young age, Lena struggled with her oral health. Her parents couldn’t afford to take her to the dentist frequently, so she didn’t receive proper oral health care. Now that she was 27, she had been working full-time for a while, but her job didn’t offer dental benefits. Lena knew she needed dental insurance but wasn’t sure where to start.
She called a few local dental offices and found they accepted Dental Dental, an affordable dental insurance plan. However, she was still determining if it offered the benefits she needed for her oral health care needs. Lena did some research and found that Dental Dental of California provided comprehensive benefits, including preventive, basic, and major dental services. She was relieved she could get her needed care without breaking the bank.
Lena also learned about Delta Dental’s HMO and PPO plans in California. She was pleased to find out that options were available to fit her budget and dental care needs. Lena decided to go with Delta Dental’s HMO plan, as it was more affordable and would allow her to pay lower out-of-pocket costs for services. She appreciated that she could still choose from a network of dentists who accepted HMO insurance, so she didn’t have to compromise on quality of care.
As Lena continued her research, she learned about the various costs associated with dental insurance plans, such as monthly premiums, deductibles, copayments, and Coinsurance. She was surprised to find out that the monthly premium for her Delta Dental HMO plan was as low as $8.00. She also learned the importance of understanding UCR fees and how they could affect her overall cost.
With all the information she gathered, Lena felt confident in her choice of Delta Dental’s HMO plan. She found a dentist who accepted her plan and charged fees within the UCR limits, so she wouldn’t have to worry about balance billing. Lena was finally thrilled to have access to proper oral health care and knew it was an essential part of her overall well-being.
Explore Our Dental Insurance Plans for Your Oral Health Needs and Budget at CaliforniaDentalInsurance.com
We hope the information we provided, and the story we shared helped you understand the different dental insurance plan types and cost factors. At CaliforniaDentalInsurance.com, we offer a variety of dental insurance plans, and we can help you find the one that best fits your dental care needs and budget.
If you have any questions or want a free quote, please don’t hesitate to contact us at 310-534-3444. Our office hours are from 8:00 a.m. to 4:00 p.m., Monday through Friday. Our team of knowledgeable and friendly representatives is ready to assist you.
Visit our website, CaliforniaDentalInsurance.com, to learn more about our dental insurance plan options and to start finding the right one for you. We are committed to helping you maintain good oral health and overall well-being.
May. 28th 2017
According to a study done by Delta Dental they found that a third of children ages 6-18 area at higher risk for tooth decay, and of those children
* More than 70 percent are not receiving two fluoride treatments a year
* More than 60 percent ages 6-9 did not receive sealants on their first molars
* More than 80 percent ages 11-15 did not receive sealants on their second molars
It is important to have dental insurance to help save money off your dental care cost but using it is equally important. Make sure you are taking advantage of what your dental insurance plan has to offer.
Jun. 3rd 2015
Whether you are an buying dental insurance for an individual, couple or family having the right plan that best fits your dental needs is key to using and maintaining dental insurance benefits. On our website we offer insurance plans though companies like Delta Dental, StandardLife, California Dental, PrimeCare and More. We what we have to over today just by entering in your zip code in the quote box provide.
May. 31st 2015
According to a recently conducted study done by Delta Dental on Preventive Dental Care, they found that even among insured individuals, many people at higher risk for tooth decay or gum disease are not getting proper preventive dental care.
Dental plans are designed to cover preventive care to protect against more painful, time consuming and expensive restorative care, so many of these at-risk individuals are simply not taking advantage of their benefits.
Dec. 21st 2014
Question: I know I will need some major dental care services. The dentist I want to go to takes only Delta Dental PPO plans. I see that Delta Dental PPO plans have 12 months waiting period for major services. Is there a way not to have the waiting periods?
Answer: Delta Dental like most PPO insurance plans do come with plan waiting periods. Six months for basic services and twelve months for major services which is pretty common waiting periods though some plans may have shorter or even longer waiting periods.
We do provide in California one Indemnity plan that would let you choose your own dentist though Madison Nation with a 1000 maximum limitation that does not have any waiting periods but does ten to be more costly then the Delta dental options with the same maximum limitation. However, you may want to review that plan and compare it with our Delta Dental options.
Nov. 29th 2014
Buying dental insurance for you and or your family is a key way to help maintain your family oral health care. At CaliforniaDentalInsurance.com we offer many good dental insurance plan options Delta Dental being one such option.
Delta Dental is a very popular plan in California since it has a large dental provider data base. Therefore the chances are your dentist is a provider of Delta Dental PPO plans. However, even if your dentist office is not a provider of Delta Dental PPO plans, since it is a PPO plan you are still able to go to dentist that are not a participating provider.
Take the time to review our dental insurance options, just enter your zip code in the quote box provided. If you should have any questions about the available dental insurance plan please call our member service line at 310-534-3444 as we be a happy to help you find the best dental insurance plan that fits your dental needs.
Nov. 27th 2014
I have a family of four and looking for a good dental insurance plan since I am new to California. A friend has advise that Delta Dental was a good plan but which Delta Dental plan is the best?
Answer: Delta Dental as a whole is a good dental insurance plan option. They do provide many plan choices. What best would depend on your own dental needs. Take the maximum limitation as an example, Delta dental maximum limitation range from $1000 – $2000. So if your dental care needs are just having preventive dental care $1000 max limit would be find but if you feel larger dental care services are in your future the going to the 2000 max limit may be a better option.
Call our member services if you have questions about our Delta Dental plans and or any of our dental insurance options for that matter. We are always happy to assist you in finding the best plan that fits your dental care needs.
Nov. 15th 2014
CaliforniaDentalInsurance.com offers many dental insurance options. One such option is Delta Dental California. Our Delta Dental California plans lets you choose from their PPO’s plans and their indemnity insurance plans. They have yearly maximal limitations ranging from 1000 – 2000.
Delta Dental PPO plans have a large list of providers where as their Indemnity plans let you go to any dental office of your choice. This makes stating with your current dentist possible under the Delta Dental plans. If you have any questions about our Delta Delta plans or about any other of our dental insurance options please call our member services at 310-534-3444 as we be happy to help you with your questions, so that you best pick the plan right for your needs.
Nov. 13th 2014
Question: I am 19 looking for dental insurance and my mom says that I should by a Delta Dental plan since most dentist take Delta Dental. There seems to be a few Delta Dental plans on your website but not sure what the difference is.
Answer: Depending on the state you are in we offer their PPO’s and Indemnity dental plans. A PPO plan has a list of providers (dentist that are accepting that plan) however you can still choose to go to a dentist that is not a provider of the plan if you wish.
An Indemnity dental insurance options has no providers list. You just go to whatever dentist you want to. Also note that there are different maximum limitations ranging from 1000 – 2000 depending on what you may want. There are other differences in coverages. I suggest calling our member services line at 310-534-3444. We be more then happy to go over the plans with you.
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