Best Dental Insurance in California: If you have ever had a toothache, then i can assume that apparently you know how important having a good dentist is as well as a good dental insurance. There are several problems associated with dealing with toothache.
As a result of the big problem and trouble associated with a toothache, dental treatment is often incredibly expensive. You may ask: Just how expensive is dental care? In 2012, Americans alone spent a total of $1.6 billion on dental treatment according to the Pew Charitable Trusts.
As a result of this expensiveness, which affects both the dental company and the one affected by the toothache, some people tend to seek for insurance policy to help them when necessary.
Also, since toothache sometimes comes with invitation or informing anyone, you may want to pick up a dental insurance policy. In California, there are some recommended ‘best dental insurance policy’ you may like to know.
What is Dental Insurance?
This is a form of health insurance designed to pay a portion of the costs associated with dental care.
Dental insurance companies have similar fee schedules which are generally based on usual and customary dental services, an average of fees in an area.
The fee schedule is commonly used as the transaction instrument between the insurance company, dental office and/or dentist, and the consumer.
There are different types group dental insurance plans grouped into three primary categories.
Types of Dental Insurance
· Indemnity Dental Insurance
With indemnity dental plans, the insurance company generally pays the dentist a percentage of the cost of services.
However, restrictions may include the co-payment requirements, waiting period, stated deductible, annual limitations, graduated percentage scales based on the type of procedure, and the length of time that the policy has been owned.
· Dental Health Maintenance Organization (DHMO)
Dental Health Maintenance Organization plans entail dentists contracting with a dental insurance company that dentists agree to accept an insurance fee schedule and give their customers a reduced cost for services as an In-Network Provider.
Many DHMO insurance plans have little or no waiting periods and no annual maximum benefit limitations, while covering major dental work near the start of the policy period.
This plan is sometimes purchased to help defray the high cost of the dental procedures. Some dental insurance plans offer free semi-annual preventative treatment. Fillings, crowns, implants, and dentures may have various limitations.
· Participating Provider Network (PPO)
In the United States, Participating Provider Network or PPO, also referred to as Preferred Provider Organization, is an organization governed by medical doctors, hospitals, other health centers, and medical care providers.
This organization has an agreement with an insurer or the third party administrator to provide health insurance to the people associated with their client at reduced or low rates. Participating Provider Network plan may work similar to a DHMO while using an In-Network facility.
However, a PPO allows Out-of-Network or Non-Participating Providers to be used for service. Any difference of fees will become the financial responsibility of the patient, unless otherwise specified.
There are several dental insurance companies that offer valuable dental insurance policy and plan in the United States of America, however. We shall examine some of them below.
Best Dental Insurance Companies you may want to Operate with
Aetna is a Connecticut-based insurer founded in 1853. Today, Aetna has over 30 million customers worldwide. It offers the following available dental plans;
Here you can pay a lower cost for your plan but must see a dentist in your network and get preauthorization if you need to be referred for specialty care.
These plans are more expensive and require you to pay 50% or more of the costs of your care. You can see a dentist outside the network with these plans, but there are many in-network dentists you can see at a discounted rate. If you go out-of-network, you must pay and get reimbursed later.
These offer some of the features of DHMO plans and some of the features of PPO plans.
2. Spirit Dental
Spirit Dental is the online storefront for direct benefits, a company started in 2001 by Tom Mayer with the goal of making dental coverage affordable for all Americans.
While direct benefits serve as a broker for employee benefits and consultants, Spirit Dental is meant for online consumers who can buy coverage right on the website or through one of many agents and providers nationwide.
It offers the following available dental plans;
- Spirit Dental PPO Plan.
- Spirit Choice plan.
3. Delta Dental
This is one of the few insurance providers to specialize in dental coverage. While the typical comprehensive coverage plan had an average premium on each quote, the mid-range and basic coverage packages were the most affordable in the most regions.
One advantage Delta Dental has is its maximum out-of-pocket expense limit. For example, a plan may specify that you pay no more than $250 for a root canal. Most insurance companies list a percentage rather than a set amount.
Delta Dental’s approach makes it easy to budget your dental work so you know what you pay before you commit to a procedure. This is the reason they were recommended by the dentists I consulted.
Delta Dental offers a number of different plans including the following: The Dental for Everyone Gold PPO plan and Delta Dental PPO.
MetLife is one of the largest insurance providers in the world. The company was founded in 1868 and is headquartered in New York. Today, MetLife has over 100 million customers receiving many types of coverage, including dental.
MetLife Dental provides insurance for groups and individuals. Its available dental plans are:
- MetLife 2-9 Dental.
- MetLife PPO Plans.
5. Physical Mutual
Another outstanding dental coverage company is Physicians Mutual. It had the most consistent pricing, region to region, and the overall best value for comprehensive coverage.
For example, the average premium for comprehensive coverage was just $37.55 per month for an individual, $74.05 per month for a couple and $118.12 per month for a family of four.
By comparison, most dental coverage providers averaged $15 more per month for each person covered.
6. United Healthcare
United Health Care is one of the leading health insurers and dental insurers in the United States. Available dental plans this company offers are:
- Essential Dental.
- Primary Dental.
- Premier Choice Dental.
How the Best Dental Insurance Providers were Evaluated
Through statistical quotes, reports and research of dental coverage plans from all major dental coverage providers as well as a careful examination of their policies and the opinion of some dentists.
Prior to the quotes, consultation was carried out with three dentists to get their perspective on dental coverage providers. However, since they often have to negotiate prices with insurance providers, they will be kept anonymous to protect those interactions.
It’s important to note this evaluation is anecdotal. The statistical quotes received are still likely to vary from time to time based on the changes in circumstances.
In a Nutshell
To have a better insurance on your dental issues, it is advisable that you operate with the above dental insurance company since they promise a very unique and wonderful package.