Find dental insurance for children, kids, and teens.

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Helpful Dental Insurance Information for Medi-Cal, Medicard, Medicaid, Share of Cost Dental Assistance

Families and individuals on Medi-Cal who receive cash assistance through CalWORKs or SSI may not be required to pay a share of cost. We have dental plans to help you meet your threshold requirements.

If you do not understand how this work here is the basics but keep in mind it may change without notice. The cost is generally calculated on a monthly basis by deducting a set "maintenance need level" from your net income commonly understood as that portion you have to spend after taxes.

Thus, the share of cost equals your net income minus the maintenance need which is an amount allocated for her living expenses. . We hope that makes sense. If not, please contact us.

Keep in mind some Medi-Cal beneficiaries do not get free aid, but instead are required to pay or incur a certain amount of medical expenses each month before the assistance kicks in.

You can elect to buy dental insurance as part of your medical health care bills and this may help meet the threshold or your obligation and qualify you for assistance.

"Dental Insurance" Private Dental: Indemnity Insurance Plans - What are they?

If you have heard the old term private dental insurance thrown around a lot generally it is not used very much any more. Indemnity dental insurance which are real dental plans have been the industry standard for years. The problem is that dental insurance gets mixed up with dental discount plans and they are completely and totally different. Anyway, many employers offer dental insurance as additional or "supplemental dental" benefits to help as part of their employees health care perks. The good thing is that as an individual you can buy them to meet your families dental needs offering affordable monthly premiums with low down payments.

Dental insurance plans such as these pay the office on a traditional fee-for-service basis. That means a monthly premium is paid by you to a dental insurance company, who reimburses the dental establishment for the cost of the services you received. An insurance company usually pays between 50% - 80% of the dental office (dentist) fees for a covered procedures; the remaining 20% - 50% is paid by you the client commonly called the insured.

These plans often have a pre-determined or set deductible amount which varies from plan to plan. Indemnity plans also can limit the amount of services covered within a given year and pay the dentist based on a variety of fee schedules. Some typical features of these plans are shown. Get a dental plan quote today! Compare Individual Dental Insurance Plans that are affordable with monthly payment options

• Deductibles before coverage begins

• Waiting periods on certain procedures

• Annual dollar limit on benefits

• Choice of your own dentist

• Your average monthly cost: $25 and up

• Dental companies selling these plans are regulated by state insurance departments

• Dental companies are generally located in the State of California and know the specific needs of their clients

These dental plans can be expensive for the coverage you buy but one of the most important features is that you can go to any dentist you want, without getting stuck in a network dental plan with extra referral specialist fees. You will want to let the dental office know the insurance company that underwrites your dental policy so they can call and verify the benefits they will pay.

Also ask your dentist to work with you so that the dental services you receive can be covered under your dental plan. No one likes to pay for insurance only to discover they had not met the waiting periods or already reached the annual maximum. Most of the time a private dental indemnity insurance plan is flexible enough to help you tailor your dental needs within a specific budget. Please visit our blog and give us your views and opinions on dental insurance. Need an individual dental plan quote? Enter your zip code at the top of this page.

Golden West, PacifiCare, Delta Dental, Multiflex, Careington, Aetna Dental Quotes Dental Insurance for Children, Teens, and Students in California

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