Dental Insurance In California
Dental Insurance for All Ages
With so many different Dental plans and their associated options it can be quite overwhelming. So, the question remains: for you, and possibly your family, what is the best dental insurance in California?
California does not require dental insurance. However, having no dental insurance when you’re facing an unexpected root canal or implant can be financially disastrous. Most people’s situations make much more economic sense to have dental insurance than to go without.
Taking copays, cost share, and your monthly or annual premium into account, there may be times when going without dental insurance seems more financially feasible. But keep in mind that this is only true for a minority of Californians. Most of us don’t have perfectly healthy teeth and a healthy diet and lifestyle to support them.
Prevention is the key to many dental conditions. But brushing and flossing alone is rarely enough. Regular dental visits support good oral care and dental insurance will help minimize the cost of needed services. Whether the dental coverage is to protect young children from tooth decay or older adults from chronic conditions, having a dental plan will minimize expenses.
In fact, most of us have genetic tendencies with dental issues, we have aging teeth (Seniors know this!), and we don’t take care of our teeth like we should. Due to this, we may need dental work that goes beyond x-rays, cleanings, and routine checkups, which may be less expensive than our insurance premiums.
To put it another way, if you are young, healthy, and have great teeth, then you likely only need the standard cleanings, exams, and X-rays that make up good preventive care. Which means you could possibly spend more money by having dental insurance.
For most however, this is usually not the case.
According to an article at Investopedia, “Older adults represent a group that may find it worthwhile to enroll in a dental insurance plan. Dental insurance for seniors is similar to plans for other individuals but focuses on the types of coverage that seniors may need. These include crowns, root canals, dentures, and tooth replacements. Even though these coverages are not unique to older individuals, there is a higher probability that seniors will need one or more of these procedures.”
DETERMINING THE BEST DENTAL INSURANCE FOR YOU
There are two basic types of dental coverage in California:
- DMO (Dental Maintenance Organization)
This type of plan works similar to an HMO (Health Maintenance Organization) in that you would, mainly, receive services from a primary dental physician, who would coordinate your dental care and refer you to specialists in the network, as needed.
- PPO (Preferred Provider Organization) or PDN (Participating Dental Network)
With PPO or PDN plans, the patient chooses the dentist they want and the dental coverage follows them. As an option, patients in this type of plan may also see a networked dentist and pay lower fees for services.
The truth is that California has several great dental insurance providers who offer coverage to residents.
Depending on the provider and the plan, there will be different details and specifics. It is important to note, however, that individual dental coverage needs vary as well. And those needs change over time as we age, or get married, have children to cover, and so on.
So, another question we can ask is, “What are the best dental insurance providers in California?”
That’s where we come in!
You can’t put a price tag on a beautiful, healthy smile, but you don’t want to pay an arm and a leg to keep it that way. You need to know what your dental insurance plan covers, which dentists you can visit and their basic costs.
That’s why we’ve done our research to find the best companies for dental insurance in California — so you can find a plan to keep you shining those pearly whites and stash more money in your pocket.
Geldin Insurance Services has been providing great coverage and service for over 25 years to California residents. We are a family owned and operated business made up of a team of expert brokers offering individual and family dental insurance plans.
When you’re looking for vision, dental, or health insurance for you and your family, for your employees, you are likely to have several questions and concerns.
At Geldin Insurance Services we are here to provide answers to your questions about insurance coverage and you can be confident that we will help you find the right solution.
Due to our variety of plans and benefits, we make sure that you’ll have access to
high-quality dental care and save you money…
- Some plans provide 100% COVERAGE on preventive dental care (2 cleanings per year, routine x-rays)
- Some plans COVER basic dental care (fillings, non-routine x-rays, and more)
- Some plans COVER major restorative dental treatments (bridges, crowns, root canals and more)
It’s so easy to save on dental care 877-789-5831 Today!
Dental Insurance Frequently Asked Questions
The average dental insurance premium in California is $35.36 per month. Your actual prices depend on zip code, age, gender, coverage level, and other factors.
In a word, no. California citizens are NOT required to purchase dental insurance.
Medi-Cal Dental, also known as Denti-Cal, is the program that provides free or low-cost dental services to eligible children and adults. The Medi‑Cal Dental Program provides free or low‑cost dental services to children and adults who receive Medi‑Cal, California’s Medicaid program.