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California
Dental Insurance |
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Dental
insurance in California can offer important
coverage for individuals, families, small
business and people with Medicare.
Dental insurance typically is comes in HMO
or PPO options and it often similar from
carrier to carrier in both price and
benefits. There are also indemnity
type plans that allow access to any dentist
but usually cost more. Dental insurance
usually breaks down into three main areas:
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1. Dental Preventative/Maintenance
This would include dental cleanings, x-rays
and hygiene visits...usually twice per year
per member. Most dental insurance
plans have copays or no cost for these types
of benefits.
2. Minor Dental procedures:
This typically included extractions,
fillings, and other simple dental
procedures.
3. Major Dental procedures:
This typically includes crowns, root canals,
and root planing and other more complex
dental procedures.
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Some other important points on dental
insurance plans in California. |
Orthodontic Coverage Some dental
plans included orthodontic coverage usually
in the form of a large discount (can run
50%).
Waiting Periods Dental
insurance plans are usually not qualified
based on health so anyone can be enrolled
regardless of dental health. The
trade-off is that there are usually waiting
periods during which the plan will not pay
for benefits until you have been on the plan
for a period of time.
Maximum benefit Dental
insurance plans typically have a maximum
benefit they will pay out in a year.
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