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Insurance Center Helpline, Inc
CA Lic.#0I21751
Corp Lic.#0M24022

Insurance Center Helpline, Inc CA Lic.#0I21751 Corp Lic.#0M24022 Insurance Center Helpline, Inc CA Lic.#0I21751 Corp Lic.#0M24022 Insurance Center Helpline, Inc CA Lic.#0I21751 Corp Lic.#0M24022
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Top 5 dental insurance for individuals and families – Compare the Best Insurance Plans and Save $$$

These are a top pic of dental insurance plans available in California. Group dental plans may offer better coverage. 


apply anytime! not subject to the open enrollment! 


Best dental insurance for children with Orthodontics coverage:  

Enhanced Dental PPO 50/ 2000 Lifetime Ortho 1500 
 

($57/month, $2,000 annual coverage, Ortho) 


Best dental insurance for dental implants: 


Enhanced Dental PPO 50/2000 Lifetime Ortho 


(71/month for adults, $2,000 annual coverage, 12 months waiting for major procedures) ) 


Delta Dental PPO 

 ($65/month, $2,000 annual coverage, 6 months waiting for major procedures) 



DeltaCare® USA Underwritten by Delta Dental of California - As low as $8.92/month - available at a discount via annual plan + $10 one time enrollment fee.


Delta Dental PPO™ Underwritten by Delta Dental of California  Administered by Delta Dental Insurance Company - Basic and Premium plans available starting at $29/month 


Get a quote online                    Buy Delta Dental




 

Dental Insurance Options

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Compare Dental plans

Dental plans starting at $14/month
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Dental Insurance - what is covered and what is not?

Here is what you should consider when shopping for a dental plan:

When shopping for a dental plan, there are several factors to consider. 


Here are some key things to keep in mind:


Coverage: Look for a dental plan that provides coverage for the services you need. Consider the type of dental work you typically require and make sure the plan you choose covers those services.


Network: Consider whether the plan has a network of dentists in your area. If you have a preferred dentist or dental practice, make sure they are in the plan's network to avoid out-of-network fees.


Cost: Consider the cost of the dental plan, including monthly premiums, deductibles, and copayments or coinsurance. Make sure the plan fits within your budget and provides good value for the services covered.


Limitations and exclusions: Review the plan's limitations and exclusions to ensure it meets your needs. Some plans may have waiting periods, exclusions for pre-existing conditions, or other limitations that could impact your coverage.


Customer service: Consider the quality of customer service provided by the dental insurance company. Look for a company that is responsive, helpful, and easy to work with.


Reputation: Consider the reputation of the dental insurance company. Look for a company with a track record of providing quality coverage and excellent customer service.


By considering these factors when shopping for a dental plan, you can find a plan that meets your needs and provides the coverage and value you're looking for.



Dental insurance coverage varies depending on the specific plan you have, but most dental insurance plans cover a range of preventive, basic, and major dental services. Here's a breakdown of what's typically covered and what's not:


What's covered by dental insurance:


  • Preventive care: Routine cleanings, exams, X-rays, and fluoride treatments are typically covered at little or no cost.
  • Basic services: This may include fillings, extractions, and root canals.
  • Major services: This may include crowns, bridges, dentures, and implants.
  • Orthodontic services: Some plans may provide coverage for orthodontic treatment, such as braces or Invisalign.


What's not covered by dental insurance:


  • Cosmetic services: Procedures that are primarily intended to improve the appearance of your teeth, such as teeth whitening or veneers, are generally not covered by dental insurance.
  • Experimental treatments: Some treatments that are considered experimental or not yet widely accepted by the dental community may not be covered.
  • Pre-existing conditions: If you have a pre-existing condition, such as missing teeth or gum disease, your dental insurance may not cover the full cost of treatment.
  • Waiting periods: Some plans may have waiting periods before coverage for certain services kicks in.


It's important to review your dental insurance policy carefully to understand what services are covered and what costs you can expect to pay out of pocket. Y

our dental provider can also help you understand your coverage and provide an estimate of any out-of-pocket costs you may incur.



Learn More

Always compare your options before you buy a Dental Insurance Plan. Know your benefits! Also, please watch our educational videos on this topic  and learn how individual dental insurance works. 


Here are top dental insurance plans on the individual market in California at the moment: 


Group dental plans may offer better coverage. 


You can apply anytime for a dental insurance plan! It is not subject to the open enrollment! 


Best dental insurance for children with Orthodontics coverage:  

Enhanced Dental PPO 50/ 2000 Lifetime Ortho 1500 

($57/month, $2,000 annual coverage, Ortho) 


Best dental insurance for dental implants: 

Enhanced Dental PPO 50/2000 Lifetime Ortho 

(71/month for adults, $2,000 annual coverage, 12 months waiting for major procedures) ) 


Delta Dental PPO 

 ($65/month, $2,000 annual coverage, 6 months waiting for major procedures) 


DeltaCare® USA Underwritten by Delta Dental of California - As low as $8.92/month - available at a discount via annual plan + $10 one time enrollment fee.


Delta Dental PPO™ Underwritten by Delta Dental of California  Administered by Delta Dental Insurance Company - Basic and Premium plans available starting at $29/month 


Get a quote online 


 Buy Delta Dental


Find out more
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F.A.Q about dental insurance

Here is what you should consider when shopping for a dental plan:

How does dental insurance work?  
Dental insurance typically works by paying a portion of the cost of dental services. The policyholder pays a premium, and when they receive dental care, they may have to pay a deductible and a percentage of the total cost of the service. If you’ve had health insurance, you’re going to be familiar with how a dental plan works. If you are still confused, I’ll explain how it works.
 

  • You pay a premium, a certain amount      monthly, to buy the dental insurance plan. 

Your insurance wont’ pay for everything, so there are a few things you may want to know like deductibles, coinsurance and copays.  
 

  • Your deductible is what you have to pay      out-of-pocket for services covered by your plan before the      insurance company pays.
  • Your plan may include copays, a fixed      cost you pay for a certain service, like an X-ray.
  • Coinsurance refers      to the percentage you pay of covered expenses after you meet your      deductible. So if your coinsurance for a filling is 20%, and the cost for      that service in-network in $100, you would pay $20 of that. The insurance      company would pay for the rest of your covered expenses up to your annual      maximum.


How much does dental insurance Cost?  
 The answer is – it depends.  
 The HMO plans tend to be less expensive and PPO plans a bit more pricey. Before buying dental insurance, first ask yourself what are your needs? Do the math. Often your annual premium is less than the cost of two visits to your dentist per year for regular check-ups. You can call your dentist and ask for the price of a visit if you pay yourself, without insurance. It’s likely that dental insurance is cheaper than paying for two visits out of your pocket. Plus, you get the added benefits of having dental coverage that will save you money in case unexpected dental issues come up. See above, the sample comparison of various dental plans available in California. By the way, comparing the dental benefits side by side is a great way of determining what type of plan would benefit you the most! There are some discount plans for as low as $9/month. PPO plans range from $35 to $80/month. The comparison is for information only and is based on California zip code.  Teeth whitening is included in most plans. Select from various Delta Dental PPO and HMO plans, Anthem, Cigna, Metlife etc. 


 

Q: What is dental insurance? 

A: Dental insurance is a type of health insurance that covers the costs of dental care, including routine cleanings, fillings, and other procedures.


Q: What does dental insurance typically cover? 

A: The coverage of dental insurance varies depending on the policy. However, most dental insurance plans cover preventive care, such as routine cleanings and checkups, as well as basic and major procedures, such as fillings, extractions, and root canals.


Q: What is a deductible? 

A: A deductible is the amount of money a policyholder must pay out of pocket before the dental insurance plan begins to cover the cost of dental services.


Q: What is the difference between in-network and out-of-network providers? 

A: In-network providers are dental providers who have a contract with the insurance company to provide services at a discounted rate. Out-of-network providers are dental providers who do not have a contract with the insurance company, and policyholders may have to pay a higher out-of-pocket cost to see them.


Q: What is a maximum benefit? 

A: A maximum benefit is the maximum amount of money that an insurance company will pay for dental services in a given year (typically $1000- $3,000). Once the policyholder reaches the maximum benefit, they will have to pay for any additional services out of pocket.


Q: Can I choose my own dentist with dental insurance? 

A: It depends on the type of plan. With a dental PPO plan, policyholders can usually choose any dentist within the network or opt to pay extra to see a dentist outside of the network. With a dental HMO plan, policyholders are usually required to choose a primary care dentist within the network.


Q: Do all dental procedures require pre-authorization from the insurance company? 

A: It depends on the plan. Some dental insurance plans require pre-authorization for certain procedures, such as orthodontics or oral surgery, while others do not.


Q: Can I still get dental insurance if I have pre-existing dental conditions? 

A: Yes, most dental insurance plans will cover pre-existing conditions, but there may be a waiting period before the coverage kicks in.


Q: What is covered by dental insurance?


HERE IS THE TYPICAL BREAKDOWN OF DENTAL BENEFIT CATEGORIES.


· Major– is Usually covered at 50%- Which means the insured (patient) pays the other 50%- Most of the time crowns, bridges, dentures, partials, inlays, onlays, etc are considered major.

· Basic– Usually covered at 80%- Which means the insured (patient) pays the other 20%- Most of the time fillings, extractions, periodontal services, root canals, core build up, quadrant scaling, scaling and root planing, etc are considered basic.

· Preventative– Usually covered at 100%- Which means the insured (patient) pays nothing additional- Most of the time routine cleanings, x-rays, exams, dental sealants etc are considered preventative. There are usually timing limitations to the cleanings and sealants, these are different on almost every policy.


Does dental insurance cover implants?


Dental insurance may cover some or all of the cost of dental implants, depending on the specific plan and the reason for the implant placement.


Some dental insurance plans may cover a portion of the cost of dental implants if they are deemed medically necessary, such as in cases where teeth are missing due to injury, trauma or illness. Other plans may cover implants as part of their coverage for major restorative services.


It's important to note that dental insurance plans may have limitations or exclusions on coverage for dental implants. Some plans may have waiting periods before implant coverage kicks in, or may only cover a certain percentage of the total cost.


If you're considering dental implants, it's important to review your insurance policy carefully and speak with your dental provider to determine what services are covered and what costs you can expect to pay out of pocket.

Delta Dental PPO and Blue Shield Dental PPO are both good options of dental insurance on the individual market that cover dental implants with up to $2,000 annual maximums! 


Am I required by law to have dental insurance?

The answer is No. 


The Affordable Care Act (ACA), doesn’t legally require adults to have dental insurance. However, having dental coverage is an important part of staying healthy and having access to preventative dental services. It is up to you whether you decide to buy dental insurance or choose to pay the full cost of dental care out of your pocket.  



What are dental work cost without dental insurance?


The cost of dental work without insurance can vary depending on several factors, including the type of procedure, the location of the dental practice, and the dentist's experience and qualifications. Here are some estimated costs for common dental procedures without insurance:


Routine check-up and cleaning: $80-$250

X-rays: $20-$250

Fillings: $90-$500

Root canal: $500-$2,000

Crown: $800-$2,000

Extraction: $150-$650

Dental implant: $3,000-$5,000 per tooth


It's important to note that these are only estimates, and actual costs may vary depending on the specific circumstances of your dental care. 

Additionally, some dental practices may offer payment plans or financing options to help manage the cost of treatment without insurance.


Dental insurance can save you money by helping you manage the costs of dental care. Here are some ways that dental insurance can help you save money:


Preventive care: Many dental insurance plans cover preventive services like routine cleanings and exams at little or no cost. By taking advantage of these services, you can catch any potential problems early on and avoid more costly treatments later.


Lower costs: Dental insurance plans often have negotiated rates with dentists, which can result in lower costs for covered services. Additionally, in-network dentists may offer lower fees for covered services.


Financial protection: Dental insurance can provide financial protection in case of unexpected dental issues. Instead of paying for the entire cost of treatment out of pocket, you can rely on your insurance plan to help cover the costs.


Budgeting: Dental insurance can help you budget for your dental care by providing a clear picture of what services are covered and how much you can expect to pay out of pocket.


Overall health: Good oral health is essential for overall health and well-being. By having dental insurance and receiving regular dental care, you can prevent more serious oral health issues that may require expensive treatments or surgeries.


By using preventive care, taking advantage of lower costs, having financial protection, budgeting and maintaining good oral health, dental insurance can help you save money in the long run.

Get a Quote

NAVIGATING THE DENTAL INSURANCE “MAZE”

1.

2.

2.

 Pay attention when you are buying the insurance. If you are at work and the employer is offering multiple plans, spend some time really researching which plan is best for your family. If you really only need dental cleaning, then may be a basic dental plan will be sufficient. If you are planning a major procedure like root canals, crowns, etc. then you may want to get a more expensive plan that pays more for these procedure and is less likely to exclude services.

2.

2.

2.

Call your insurance company and ask questions. Remember you are paying them, ask them questions try to understand your plan. 

3.

2.

3.

Read the booklet that your get from the insurance company. It is ultimately your responsibility to know how your plan works, so do your homework- read the summary of benefits for your plan. Believe me, this will save you tons of money!

4.

4.

3.

Work with an insurance agent. Agents will be able to compare various options and help you choose the one that is best for you. If you don’t have an agent, we will be glad to help you in California. 

5.

4.

5.

Get a treatment plan from your Dentist. This is a great way of estimating what dental work needs to be done, when and how much it will cost you. 

6.

4.

5.

 Do the math! Call your dentist office and ask “How much did we spend total aside from insurance last year?” If this amount is less then your insurance premium maybe you should just pay out of pocket or utilize an HSA (health savings account). It really doesn’t make sense to pay more for insurance then you get in benefits year after year. Again, Do the math; it will help you make the right decision.

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Dental Insurance 101

We can help!

Feel free to reach us if you have a question about dental insurance or would like to get comparison of various plans. 

Learn More

You can also get an instant quote online here:

Find a Dental Plan

What is covered by Dental Insurance?

 In this video, I will explain how to benefit from dental insurance and I will try to address such questions as: How does the dental insurance work? What is the best dental plan? What is the difference between dental PPO and HMO plan? What is a waiting period? How much does dental insurance Cost? Am I required by law to have dental insurance?  Individual vs Group Dental- which one is better? What is covered by the dental insurance? What’s the difference between in-network and out-of-network? 

Dental Insurance - DeltaDental, BlueShield, Anthem BlueCross, Cigna, PPO, HMO, Implants, Teeth, Plan

How to Get the Most out of Your Dental Insurance?

Get the most out of your Dental insurance

Dental insurance can provide valuable benefits to help you maintain your oral health and manage the costs of dental care. To get the most out of your dental insurance, here are some tips to consider:


Understand your coverage: Read through your insurance policy carefully to understand what dental services are covered and any limits or exclusions that may apply. This can help you plan for any out-of-pocket expenses and ensure you're taking full advantage of your benefits.


Stay in-network: Many dental insurance plans have a network of preferred providers, which can offer lower costs for covered services. To get the most out of your dental insurance, try to visit in-network dentists whenever possible.


Schedule regular check-ups: Most dental insurance plans cover preventive services like routine cleanings and exams at little or no cost. To make the most of your benefits, schedule regular check-ups with your dentist to catch any potential problems early on and avoid more costly treatments later.


Maximize your annual maximum: Dental insurance plans often have an annual maximum, which is the maximum amount the plan will pay for dental services in a year. To get the most out of your benefits, try to schedule any necessary treatments or procedures before the end of the year to maximize your annual maximum.


Use flexible spending accounts: If your employer offers a flexible spending account (FSA), consider using it to pay for dental expenses not covered by insurance. An FSA allows you to set aside pre-tax dollars to use for qualified medical expenses, including dental care.


By following these tips, you can help ensure that you're making the most of your dental insurance benefits and taking care of your oral health without breaking the bank.



======================================== 


Take a moment to appreciate this poem about dental insurance! 


A smile so bright, a mouth so clean

Healthy teeth, a sight to be seen

But dental care can come with a price

Without insurance, it's hard to suffice


A smile so bright, a joy to behold

A healthy mouth, worth more than gold

But dental work can be quite dear

Without coverage, it's a cost to fear


Dental insurance, a helping hand

A plan to cover, and help us stand

With preventive care, we can stay on track

To keep our teeth, healthy and intact


From routine cleanings, to fillings and more

Dental insurance, a safety net for sure

A plan to cover, and ease the cost

To keep our smiles, forever embossed


So don't let dental care, fall by the wayside

With insurance, it's easy to provide

A healthy smile, a priceless treasure

With dental insurance, it's an affordable measure.



Frequently Asked Questions

When is the open enrollment to get Health Insurance in 2019? 


What is Covered by Dental Insurance?


Can I get subsidized health plans in the CoveredCA if my employer also provides health insurance as an employee benefit? 


How to compare health plans for 2019?

 

Do I have to pay a penalty if I don’t have health insurance in 2018 or 2019? do i need form 1095-A? 


What are exemptions from health insurance tax penalty and who qualifies for exemption?


What are 1095 Tax Forms for Health Care 1095 A, 1095 B, 1095 C?


Why is Health Insurance expensive?


2018 Health Insurance Plans?


6 Important FAQ about health insurance for 2018

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How to find a health insurance broker?


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What is Co-insurance?


What is Medical Deductible?


What is the difference of PPO and HMO?

What is SEP?


What do you need to know about dental insurance?


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