California dental insurance agent
Dental insurance is a bit more straight forward and easier to obtain than health insurance. While it is possible to quickly be approved for just about any type of dental coverage in California, it is still a good idea to speak with an experienced California dental insurance agent before you make a decision as to what plan to buy.
Most people are unaware that a standard PPO dental plan carries with it waiting periods before one may receive care. These waiting periods typically don’t apply to preventative care services such as teeth cleanings and x-rays, however a 3 month waiting period is usually applied to basic services like fillings and space maintainers. If the person requires care for major services like oral surgery, root canals and crowns, up to a 12 month waiting period may be assessed! With most individual California PPO dental plans, orthodontics are usually not covered. This means that people who require braces and retainers will pay full price for these procedures.
For the Californian who requires immediate care for major services (including orthodontics), one should take a look at DeltaCare USA’s Individual and Family Dental Program. Although you will most likely have to sacrifice going to your regular dentist, care for major services can be administered as soon as the plan becomes effective. There is no deductible, lifetime maximum or waiting periods. At a $97 annual premium ($225 for family) DeltaCare USA is one of the most cost effective dental options that provides immediate comprehensive care.
For more information on DeltaCare USA for individuals and families please contact J.C. Lewis Insurance Services. We can answer all your dental related questions and show you the available dentists that are contracted with the DeltaCare USA plan here in California.
That’s crazy. I had no idea about the waiting period. Thank you very much for pointing this out. I’m going to call you guys right now!
That is why California dental insurance plans are designed to ensure patients regular preventative care..With regular visits to the dentist, problems can be diagnosed early and treated without extensive testing or elaborate and expensive procedures.