individual dental insurance plan

California Dental Insurance

... looking for an Individual Plan for yourself and your family?
 

With companies cutting back on benefits and downsizing, more and more individuals across California find that they have to purchase individual dental insurance plans for themselves and family members. 

According to the California Dental Association, most dental coverage is designed to ensure that the patient receives regular preventive care.  For restorative and major dentistry work, plans are designed to pay a portion of costs, essentially reducing your out-of-pocket expenses associated with care.  For many, having a plan makes seeing the dentist affordable.  Regular visits and care keeps the patient in good oral health.

Options available

Indemnity plans allow you to use any dentist and is the most expensive type of insurance.  The insurance usually picks up  50% - 80% of the cost of restorative treatment and 100% for preventive care.  Keep in mind that these plans have waiting periods of 6 to 18 months before restorative dentistry services (fillings, extractions) and major dentistry services (root canals, crowns, dentures, bridges) are covered.  Orthodontics (braces) benefit may require additional cost and cosmetic dentistry is almost never covered.


On averages, the annual maximum dollar amount of work paid out per year is $1,000 per person and $50 deductible per person per family.  Indemnity dental insurance plans run from about $50 for one person to $200 per month for families.

Managed Care PPO plans allow you to visit any dental office within their network for maximum savings. You may also use the plan to see dentists outside the network but your out-of-pocket expenses will be higher.  The insurance usually picks up  50% - 80% of the cost of restorative treatment and 80% - 100% for preventive care.  They may have waiting periods of 3 to 12 months before restorative and major dentistry services like root canals, oral surgery and crowns are covered.  Orthodontics (braces) coverage may not come with cheaper PPO plans but available with plans with higher premiums.  Cosmetic dentistry is almost never covered.

On average, the annual maximum dollar amount of work paid out per year is $1,000 per person and $50 deductible per person per family.  PPO dental insurance plans run from about $30 for one person to $100 per month for families. 

Discount Dental plans allow you to visit any dental office within their network for maximum savings. They provide plan members access to a negotiated fee schedule that is substantially lower than the usual and customary charges of the dentist.  A good plan usually provides discounts of 25% - 60% for restorative dentistry and up to 80% off on preventive care.  Techinically, these plans are not insurance, but as reported by the US News and World report, the model is based on the bargaining power of a large buyers club to provide cost savings to members.  As such, a consumer does not have to deal with "waiting periods" before any work, eg. fillings, extractions and root canals are covered.  You can use all dental benefits immediately.  Orthodontics (braces) and Cosmetic dentistry are both included.

There are no annual maxium limits or dollar amount caps associated with using this plan, nor are there any "deductibles" to worry about.  This plan works with pre-existing conditions.   At less than $20 per month for families, many users find that it's a great deal.

For specific plan details, contact:

http://www.eHealthPlus.com - Receive a no-obligation quote today.  Read how others like the plan.





 

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