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Dental Insurance

In our society today, dental fees continue to increase as dental care is not included in most health insurance plans. This can be very costly - from restorative procedures such as fillings, braces, crowns, x-rays, and routine teeth cleaning and check-ups - and without comprehensive insurance, bills can cut a big portion of your savings. This is the reason most individuals are now getting dental insurance.

California Dental Insurance

Although many employers in different cities in California, such as Los Angeles, San Francisco, and San Diego provide medical health plan as a benefit, fewer provide California dental insurance. Because of the increase in healthcare, many employers in California have dropped dental coverage or shifted most of the monthly premium cost to their employees.

Finding and searching for the most suitable insurance in California can be time consuming and overwhelming. But finding the right individual coverage does not have to be confusing - you just need to be aware of the types of coverage offered by some of the best companies in Los Angeles, San Francisco, San Diego and other cities in California so that you can choose the policy that best fits your personal dental needs - may it be anywhere in California dental insurance.

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Types of Los Angeles Dental Insurance

There are basically two individual Los Angeles dental insurance options offered for customers to choose from: Indemnity Individual (PPO) and Individual Plan Types (HMO).

  • In PPO dental policies, you are allowed to choose your own dentist. However, the company may only pay 50-80% of the cost. You may also have to pay deductible first before the coverage starts and some procedures become only available after a probationary period.
  • HMO dental insurance is similar to the managed care programs offered in health insurance. That is, a group of dentists agree to participate in a network of providers and will generally accept the insurance for 100% of the cost and even submit the claim for services rendered for you to save your the extra hassle.

Rates may vary depending on the dental procedure you will have performed or done and the type of insurance you choose. Regardless of which type of plan you wish to pursue, make sure to read through the quotes thoroughly so that you receive the best individual dental insurance for you. So, start saving for your dental insurance today!

License: 0K35870, 0184251, 0F91214, 0G00836, 0G76655