Dental and Vision Insurance
Dental Insurance typically covers most preventive care but only about 50% of the cost of major services like root canals and crowns. Many plans won't cover implants and require a waiting period for major services. Most traditional policies have an annual maximum that they'll pay for your dental work. The cost of the plan is typically pegged to this annual maximum. .
If you anticipate that you will need a lot of dental work, it might be worth it to buy a more expensive PPO plan with a higher limit or possibly even sign up for two plans. In many cases the cost of the additional plan would be more than offset by what you would pay in coinsurance.
On the other hand, if you don't need a lot of work, a dental discount plan would in most cases cost less and provide just as much benefit. These plans are typically HMO's (i.e. you can only use network dentists) that are contracted to offer services at a discounted price which can be 60%+ less than many non-network providers.
The links below let you explore and enroll in several plans that I recommend to my customers. Most of them also offer optional vision coverage.
In any event, keep in mind that most PPO plans have waiting periods of 6 months to several years before they reach their maximum benefit for major work such as crowns, implants, and root canals. Also, if you have a preferred dentist, check with his/her office to see if they accept the plan you select.
Traditional PPO Plans
Why Spirit Dental?
- No waiting periods
- Every day effective dates
- Coverage for crowns, bridges, implants, dentures and root canals
- Up to $5,000 annual maximum
- Choose your own dentist
- Hearing included in the Senior Preferred plan
- One time Lifetime deductible
- Vision coverage available from EyeMed Vision Care Network
- Click on the logo above to see plans and enroll
Traditional PPO Plans
Why Denali Dental?
- $6000 annual maximums
- Four cleanings per year
- Implants and major services are covered
- No waiting periods
- The ability to choose your own dentist
- Child and adult orthodontics
- Vision bundles available
- Click on the logo above to see plans and enroll
Traditional PPO Plans
Why Blue Shield Dental?
- Multiple annual limits
- Implants and major services are covered
- The ability to choose your own dentist
- Child and adult orthodontics
- Vision bundles available
- Click on the logo above to see plans and enroll
Traditional PPO and Discount HMO Plans
Why Delta Dental?
- Standard PPO and discount HMO plans available.
- Implant Coverage on Premium PPO
- 6 month waiting period for major work on PPOs
- No waiting on HMO plan
- Click on Logo above to access Delta Dental Plans and Enrollments
Discount HMO Plans
Why California Dental Network
Whether you are looking for basic dental coverage or need specialty referral benefits, California Dental Network has a plan that fits your needs.
Click on the logo above to see plans and enroll
Discount HMO Plans
Why Dental Health Services
- Quality Assured dentists you can trust.
- Access to more than 300 dental procedures at low out of pocket costs when provided by your participating dentist.
- No deductibles, no waiting periods, no maximums on services performed by your general dentist.
- Access to orthodontic, denturist and implant savings.
- Access to friendly, knowledgeable
- Quality Assured dentists you can trust.
- Access to more than 300 dental procedures at low out of pocket costs when provided by your participating dentist.
- No deductibles, no waiting periods, no maximums on services performed by your general dentist.
- Access to orthodontic, denturist and implant savings.
- Access to friendly, knowledgeable member service representatives.
- Access to excellent oral health educational resources.
- Click on Blue image above to view plans and enroll
If asked for an agent ID use 5940