Why is Dental Insurance Important?
Did you know that people without dental insurance are more likely to experience serious health issues like heart disease and diabetes? Dental-related problems account for over 2 million emergency room visits annually, underscoring the importance of maintaining regular dental care.
Having quality dental insurance isn’t just about saving money; it’s also about protecting your overall health. Californians, especially those with prior dental work such as fillings, crowns, or gum disease, should prioritize a comprehensive dental plan. Additionally, many dental plans offer no-cost preventive care, such as cleanings and exams, which ultimately reduces the risk of future, more expensive treatments. In-network dental coverage can reduce your costs significantly and often covers around two-thirds of standard fees.
What to Look for in a Dental Plan:
When choosing dental insurance in California, keep these key factors in mind:
● Network Access: To maximize savings, check whether your current dentist participates in the plan’s network.
● Coverage Needs: Anticipating major dental work? Look for plans with higher annual limits and comprehensive benefits.
● Affordability: Be sure to compare monthly premiums, deductibles, and out-of-pocket maximums to find a plan that fits your budget.
● Customer Support: It’s also important to choose a provider known for responsive service and a smooth claims process.
PPO dental plans typically offer annual maximums between $1,000 and $5,000, with some insurers going even higher. While not all plans cover dental implants, a few do especially after the first year.
Top Dental Insurance Providers in California
● Delta Dental
One of the largest dental networks in the country. PPO plans start at $46/month,
offering broad access and reduced co-pays with in-network providers. With a PPO, you
can see any dentist, but staying in-network saves more. For a quote, click here
● Humana
In terms of options, Humana offers robust individual and group plans. Specifically designed for adults over 60, the Humana Extend plan includes dental coverage of up to $2,500 or $5,000, along with vision and hearing benefits. Moreover, after one year of enrollment, the plan expands to cover major services such as implants and crowns. For a quote, click here.
● Mutual of Omaha
This plan provides access to an extensive national network, including DenteMax and United Concordia. Even better, there’s no waiting period—not even for major services like implants, which are covered up to $3,000. With monthly premiums starting at just $38–$69, it’s a solid option for those who want comprehensive care without delay. For a quote, click here
● Blue Shield of California
Offers a strong PPO plan with oral cancer screening and no waiting periods on many
preventive and diagnostic services. If you switch from another dental plan, prior
coverage within six months can waive the waiting period. Members using non-network
dentists receive partial reimbursement. For a quote, click here
Get Personalized Help:
Dental insurance isn’t one-size-fits-all. Contact Solid Health Insurance Services at
info@solidhealthinsurance.com or send us your preferred dentist’s name and zip code. We’ll
help you compare plans and find the best option for your needs. You can also request a free
quote.
