California dental, What’s the difference between dental insurance and dental plans?
California dental, What’s the difference between dental insurance and dental plans? I live in the San Fransico Bay area and I need to see a dentist. I do not receive any dental benefits though my employer so I am trying to shop out for a dental insurance plan I can get for myself.
So I googled California Dental Insurance, but mostly only dental plans keep coming up. What is the difference? Can you recommend any specific dental insurance or dental plan that you have to offer?
Thursday, Feb. 10th 2011 8:39 AM at 8:39 am
Understanding the various types of dental insurance and dental discount plans is important when trying to buy the right plan for you and your family. Here are some brief examples that may help you decide
Dental Discount Plans
You will want to use caution with this type of dental plan since it is not insurance. The managing organizations have negotiated with local dental offices to establish a set price for a particular dental procedure and offer deep discounts (some up to 70%) off the regular ADA pricing code.
This plan has several advantages over traditional dental insurance plans, namely, there are no exclusions for pre-existing conditions. This allows a patient to receive immediate coverage for work without meeting any waiting period requirements, or having any yearly max annual dollar limitations or deductibles.
Dental Insurance
There are three types of dental insurance you have your HMO dental insurance plans, where you have to choose a dentist in the plan net work (there is not out side network coverages) HMO dental plans are normally the lower cost dental insurance plan option
From there you have PPO and Indemnity dental insurance plans. These are the type of dental insurance plans that people like to get when trying to stay with their dental office or wanting a free choice of dentist so they can pick there own dental provider. These types of plan can be more costly then the HMO and dental discount plans and will normally have more limitations.
In the end choosing the best dental plan type is up to you and what you feel will best fix you and your family dental needs. Make sure you read the plans terms and conditions so you can fully understand how the dental plan works.
If you have any questions about any of our dental plan options we offer on this web site please call member services at 310-534-3444 they will be happy to help you.
Thursday, Feb. 10th 2011 8:45 AM at 8:45 am
Understanding and dental discount plans is important when trying to buy the right plan. Here are some brief example that may help you decide.
Dental Discount Plans
You will want to use caution with this type of dental plan since it is not insurance. The managing organizations have negotiated with local dental offices to establish a set price for a particular dental procedure and offer deep discounts (some up to 70%) off the regular ADA pricing code.
This plan has several advantages over traditional dental insurance plans, namely, there are no exclusions for pre-existing conditions. This allows a patient to receive immediate coverage for work without meeting any waiting period requirements.
Thursday, Feb. 10th 2011 8:46 AM at 8:46 am
Understanding dental discount plans is important when choosing between dental insurance and dental plans. Finding the right value in dental insurance or dental plans is an important step in purchasing dental coverage for you and your family. Both types of dental plans have advantages and disadvantages and one size does not fit everyone. Here are some brief example of what a dental discount plans is which may help you decide.
Dental Discount Plans
You will want to use caution with this type of dental plan since it is not insurance. The managing organizations have negotiated with local dental offices to establish a set price for a particular dental procedure and offer deep discounts (some up to 70%) off the regular ADA pricing code.
Dental discount plans has several advantages over traditional dental insurance plans, namely, there are no exclusions for pre-existing conditions. This allows a patient to receive immediate coverage for work without meeting any waiting period requirements.
Thursday, Feb. 10th 2011 9:01 AM at 9:01 am
You will note that when you enter your zip code in the quote box above that in California we offer 40 dental insurance and dental discount plan options.
It is true that no one type of dental plan fits all. Choosing between dental insurance and or a dental discount plan would depend on what you are wanting in a dental plan for you and your family.
In California we do offer all four types of dental plans from HMO dental insurance and dental discount plans to PPO and Indemnity insurance plans.
Normally the lower cost plasn would be the dental HMO insurance plans and the dental discount plans. Both of these plans types you need to either go to dentist that take the plan and or choose a dentist in the plan network. There are no out side net work providers for this types of dental plans.
On PPO and Indemnity dental insurance plans these type of dental insurance plans ten to be more costly but they either let yo go outside their net work of plan providers or they have no net work of provider letting you stay with your current dental or choose your own dentist without being assined to just one dental office.
There are more difference in all these plan types but you may want to just reveiw the different plans available to you. All you need to do is enter your zip code in the quote box above to see all your plan options.
Remember we do offer a custerm service line so if you do have additional questions about any of the dental plan offer you can call 310-534-3444 M-F 8-5 CA time. They will be happy to help you.