Question: Looking for the best lowest cost insurance plan for a couple. What do you suggest?

Answer: For lower cost insurance plan I would suggest looking out our HMO dental insurance plans though PrimeCare and California Dental. Their cost rage as low as $12.00 a month and as high as $29.00 a month. If you have any questions about any of of dental insurance plan options in California, please call member services at 310-534-3444

Here is a quick summary of what you need to know about dental, your rights, and how cost sharing works on dental plans:

* A child must be offered dental, but you don’t have to take it.

* If you have dental coverage through the Marketplace it will typically have a maximum of $700 for a child or $1,400 for a family.

* Adults don’t have to be offered dental. However, many Marketplace plans offer dental as part of the plan, or as a standalone. You can’t cancel dental that is part of your plan, so keep this in mind.

* If dental is part of your plan, you can still use cost assistance to lower your plan costs.

* Even with cost assistance, when you reach the maximum,you typically pay 100% of the costs for dental work. This is the opposite of health insurance under the ACA where you pay 0% after your maximum. So don’t be confused by that.

* Oral surgery may be covered by medical insurance in some specific cases, but generally it doesn’t cover non-medically necessary procedures.

* Dental works best for routine care, it is uncommon to find any insurance that covers major dental work past a certain dollar amount. (“The Dental Gap”?)

Question: My dentist is a provider of any of the Delta Dental of California plans. What I want to know is the Maximum Limitation the amount I have to pay or what the company pays?

Answer: A maximum limitation is the dollar amount that the insurance company will pay for dental claims made in a given year.

Did you know that dental insurance, for the most part, is not covered under the Affordable Care Act?  However, children’s dental coverage is a required benefit included on all Affordable Care Act compliant plans and cost assistance can be applied to any Marketplace plan that includes dental.

Although Dental is not a required benefit of the Affordable Care Act, it is certainly an important aspect of health and wellness.

Question: What is the best dental insurance in California?

Answer: There is no one best dental insurance plan because best for you by not be best for someone else and vice versa. However with that said our member service line at 310-534-3444 would be able to go over your dental needs and help you pick the best plan that fit those needs. Just give us a call and we be happy to assist you.

Many people are starting to find the cost of dental care is no longer affordable, therefore people that feel this way will tend to put off their dental care needs.  Yet by deferring your dental care you run a greater risk of having to have larger more costly dental care services in the future.

Dental insurance helps to reduce your dental care cost making dental care more affordable. Studies show that people with dental insurance are more likely to make and keep their twice a year check ups and maintain their preventive care.  Good preventive dental care will also reduce your risk of having larger dental care needs.

Question: I looking at the California Dental Insurance plan 595, how do I know if my dentist is a network provider of the plan?

Answer: When reviewing the California Dental insurance plan 595 you want to click on the link to review plan detail. From there you will see the link to find a dentist. Click on that link to check and see if your dentist is a provider. Or maybe a more easier way is to call your dental office up and ask them if they are a provider of the California Dental plan 595.  If you need further help you can also call our member service line at 310-534-3444 as we be happy to help

More and more families in California are working to be and stay healthy. Which means dental and oral health care is being taken more seriously, since links are showing that your oral health effects your overall health care.   Having dental insurance in California helps you to not only save money on the cost of maintaining your dental health but studies suggest that people with dental insurance visit their dentist at least twice a year or as directed by their dentist.

If you are on a tight budget and can not afford the cost of dental PPO or Indemnity dental insurance you may want to take the time to review our more affordable dental insurance and plan options.

Our HMO insurance plans run for an individual around $8.00 – $19.00 a month sightly more if you are buying a couple and or family plan.  A dental HMO insurance plan normally dose not have waiting periods, maximum limitations and deductibles. Services are generally based on a fee schedule that lays out your cost for all dental services covered under the plan making it easy to budget your dental care services.

We also provide dental discount plans for a low cost dental option that helps cut the cost of all your dental care needs. Like an HMO insurance plan a dental discount plans and many of their discounted cost for services laid out on a schedule. However for dental care services not listed, you will normally get around a 20% saving off the dental UCR cost.

With both these plan types you have to choose a dentist in the plan network or go to dentist that are plan providers. There is not outside network benefits and or savings.

Under dental PPO insurance plans many come with a deductible, such as 50.00 per person per calendar year. (Although the deductible will very depending on the plan) A deductible is the dollar amount you need to pay before plan benefits start.

Our website DentalInsuranceHealthcare.com provide a detail blog that answer many dental insurance questions about HMO to PPO and Indemnity Insurance plans to Dental Discount Plans.  We provide dental insurance and dental discount plan options in all 50 states for your review.  Also we provide a member service line M-F 8-4 in order to help you with any of our dental plan options so that you are able to pick the right plan for your dental care needs.

When reviewing PPO plans some PPO plans increase their benefits each year you continue to have the plan. You will see this as first year, second year and sometimes third year benefits. It is important to understand you do not get the best benefits under the plan until the last year shown under this type of coverage.

Question: Under PPO plans I see they have what it called waiting periods but not sure I understand fully what that means.

Answer: Many PPO plans will have waiting periods for both basic and major dental care services.  So generally what benefits you do receive at the start of the plan is preventive dental care such as office visit, X-rays, and Cleaning’s. Where as you may find you have to wait six months until you have a filling covered under the plan, and twelve months for a crown to be covered. Course waiting periods will very depending on the plan term and conditions

On our website DentalInsuranceHealthcare.com offers a broad range of dental insurance and dental plans for your review in all states.  We try and make our website user friendly, all you need to provide in order to review our dental plans is your zip code in the quote box.  From there we will pull up all the plans available for you to review.  Most of our dental insurance plans and dental discount plans can be bough right one line.  However if you prefer you can also call our member service line at 310-534-3444 and place an order for any of our dental insurance and plan options.

Question: I thought health insurance came with dental but I finding out my plan does not provide any dental care done by a dentist.

Answer: Not all health insurance plans provide dental insurance benefits. Or when they do it may be some what limited in the coverages provided.  If you do not have dental insurance though your health insurance plan, then this is the website to be on. We sell stand alone dental policies that you can buy to have individual dental insurance. In order to review our dental insurance plan options just enter your zip code in the quote box provided.

DentalInsuranceHealthcare.com offers over forty different dental insurance and dental plans. One of our lower cost dental insurance options would be an HMO though California Dental. California Dental offers three plans tailored for individuals, Couples and Families. They range in cost from $7.95 – $16.95 to $18.95 – $39.95 a month, depending on the plan and whether it is for an individual, couple or family plan.

Review all our dental insurance plan options just by entering your zip code in the quote box provided.  If you have any questions please call our member service line at 310-534-3444.

Dental discount plans have many benefits. Here are some pros and cons to buying a dental discount plan.

Pros

* Most dental discount plans start with in the next business day from placing you online order
* You receive a discounted saving for all dental services render.
* No plan waiting periods for needed dental care
* You can use the plan at any plan provider wherever the plan is available.
* Many dental discount plans come with additional saving for vision and RX without there being an additional cost.

Cons

* You have to go to network plan dentist. There is no outside network savings.
* There may not always be local providers in your area.
* Although you do get discounted savings for all dental care (even cosmetic) there is no guarantees there are providers that provide all dental services.
* Like with insurance a dentist/dental office and stop taking the plan if they so chooses.

Studies suggest people that have dental insurance make and keep their needed dental appointment their by maintaining their preventive dental care and reducing their risks of having to need larger dental services in the future. However cost plays a factor in whether or not a person has dental insurance. Our website DentalInsuranceHealthcare.com provides a broad range of dental insurance and dental discount plans. Therefore we are able to provide plans that are more affordable,  helping you to keep your dental care cost low as well as insurance needs.

When buying a dental HMO insurance plan it is important to call the dental providers and confirm they are still accepting the plan and to ask additional questions that are important to you in choosing a dental office.  Another good tip to keep in mind try choosing a dental HMO that has more then one dental office locally to you so that if you want to change dentist you have other options available to you.

Learn more about the plans DentalInsuranceHealthcare.com has in California dental insurance plans. Explore dental insurance plans on our website in California and find the right dental insurance for you and or you and your family.  Buying a dental insurance plan that fits your dental care needs the best, will not only save you money on your dental services but you will more likely make and keep your needed dental appointments.