PERSONAL DENTAL INSURANCE

OVERVIEW

 

Individual Dental Insurance has their limitations.  The Market is restrictive with few insurance carriers.

 

Individual California Market

Dental Carriers	Few	There are few insurance carriers offering plans.
Dental Underwriting	None	Plans are guarantee issue, but are restricted with benefit waiting periods.
Benefit Waiting Periods	Most plans	Waiting periods from 6 months to 2 years for certain benefit categories.

 

Here are some general highlights and what to understand when buying for dental insurance:

 

§        Few Carriers offer Dental Plans.

§        Benefit waiting periods are imposed on most basic and major procedures.

§        Individual Plans are different between insurance carriers and regions.

§        HMO and PPO Networks are different between insurance carriers.

§        Pre-determination of benefit coverage is recommended when cost exceeds $300.

§        Quotes are based on each insurance carrier’s standard rates.

§        Cost vs Benefit coverage should be evaluated before purchasing.

 

Consider what you can afford and then compare plans.  Let us provide you with information so you can make a suitable choice.