I am a signal mom with two minor boys living in California.  I do not have dental insurance though my job so I have to buy something for just my boys.  Family plans are just to  costly right now for me so could I have just my two son on a plan by themselves?   

Answer: There are very few insurance companies that will write a plan on a minor only and when they do you have to buy two plan one for each child which at that point would normally be more costly then just buying a family plan.  My suggestion is to review our dental HMO insurance options we provide in California though California dental and Delta Dental. Both options are low cost and run as high as $40.00 a month for a family and a low as $17.00. You can see the cost for HMO dental insurance plan will normally fit into most peoples budgets.   

Please call our member service line at 310-534-3444 if you should have any questions about any of our dental insurance plan options available in California.

I am seventy and I have not see a dentist in the last two years since the one I was going to retired. I would like to have my teeth check although nothing is really wrong with them.   I called a few local dentist in my area and they all wanted between $150 – $200  just for a check up x-rays and a basic cleaning.  This is just to much money.  One dentist told me that I should get dental insurance. Stating that way my preventive dental services would be free to low cost.  Where do I find a plan that offer benefits like that?  I am too old and tired to go into a bunch of different web sites. Just tell me which one would be best knowing what I am looking for. 

Answer: The lower cost dental insurance plans would be our dental HMO plans offer though Delta Dental and California Dental for an individual the plan cost run between $7.95 – 19.95 a month. For the most part the more you feel you can plan for the cost of the plan the lower the cost of for the larger dental care services, and like the dentist stated they do provide free to very low cost for preventive services.   To review this plans just enter your zip code then call our member service line at 310-534-3444 if you have any questions.

Our website dentalinsurancekids.com offers a broad range of dental insurance plan options from low cost HMO’s and PPO’s that let you keep your own dentist. You can compare our available dental insurance plans option by entering in your Zip Code in the Quote Box provide. If you have any questions about the available plan we provide please call our office at 310-534-3444 M-F 8am – 4pm as member services will be happy to help you.

Question: I noted that you offer many different dental insurance plans for a family.  Can you give me some helpful tips on how to choose the right one for my family and I?  I am not sure what would be the best plan and would like some help in braking them down. 

Answer: Choosing a dental insurance plan that would be right your you and your family would depend on several factors.  Such as if you are trying to stay with your current dental provider or if you have current dental needs that need to be taken care of ASAP.  Such as our dental PPO insurance plans would let you stay with your current dental office, however this type of dental insurance plan normally come with waiting periods that would effect the type of dental services you can have right away. Where as dental HMO plans do not normally have waiting periods for certain dental services but may not let you keep your current dental office if they are not a provider of the plan. 

Look over our plan options and please feel free to call our member service line at 310-534-3444 if you have any questions about any of our dental insurance plan options.

Hopefully if you need a root canal you already have current dental insurance. However for many that is not the case even though by having dental insurance it will help make having a root canal much more affordable. It may be already too late to buy a dental PPO or Indemnity plan do to their plan waiting periods.

Therefore when reviewing dental HMO insurance plans you want to make sure the plan you are reviewing provides coverage’s for specialist (case you need to get refer to one) and if it does cover for specialist know the coverage amount. In many cases HMO plans that do provide benefits for specialist do so at lower coverage, on average between 20 and 30 percent.

For the most part dental HMO’s insurance plans have fewer limitations then dental PPO’s and Indemnity insurance plans.  Yet, they still have limitations that need to be carefully read and understood before buying.   One such limitation which many people may know is that you have to go to dentists that are providers of the plan.  There  are no benefits if you choose to go to a dentist that is not a provider of an HMO plan.

Generally under an HMO dental insurance plan, coverage’s are based on a fee schedule which shows the cost for all the different dental services that are covered under the plan. Yet the fee schedule that is provided is normally only for the general dentist you picked to be your provider.  The fee schedule is normally not the benefits you receive if you need to be refer to a network specialist.  

This is important to understand, since HMO plans will either not cover for specialist or only provide saving of around 20 – 30 percent off network specialist depending on the plan.  

Although HMO plans will not normally have a yearly dollar max limitation per person per year they may have limitation on how many of one dental service you can have. You may already know the two cleaning per person per year but many HMO’s insurance plans will only provide benefits up to four to five crowns per person per year.

The average dental insurance premium in California will vary depending on plan type. For HMO the monthly cost for an individual is around $8.00 – $20.00 and for PPO plans they range around $35.00 – $85.00. However please note: Actual prices available depend on zip code, age, coverage level, and other factors.

You can compare our available dental insurance plans option by entering in your Zip Code in the Quote Box provide. If you have any questions about the available plan we provide please call our office at 310-534-3444 M-F 8am – 4pm as member services will be happy to help you.

In California one of the dental insurance plans we offer on our website is DeltaCare USA Individual and Family HMO Dental Insurance Plan. There are no deductibles, no yearly limits on benefits or lifetime maximums, and there are no claim forms to fill out. Your savings are in place when you visit your dentist. You just show up for your dental appointment and make your co-payment – what could be easier?

The dentists are screened to ensure that the plan standards of quality, access and safety are maintained. The network is composed of established dental professionals.

If you do not currently have dental insurance and you need a dental bridge, then cost can be a factor.  Buying dental insurance to reduce the cost is a good idea.  However make sure you are buying the right plan for this need.  Normally dental insurance plans such as PPO or Indemnity will have long term waiting periods for dental services such as bridges. 

That is important to understand that if you buy these types of dental insurance plans in order to stay with your current dental provider,  you may not have any benefits for the dental service you currently need.  When buying PPO or Indemnity plan it best to think ahead and have it in force prior to any major dental issues.

Many kids still do not get the dental care they need. Mostly this is do to the increasing cost of dental care. However by having a low cost dental insurance plan such as and HMO dental insurance plan you are able to provide your child the needed dental care at a more affordable cost to you. By making sure your child has good at home dental habits and maintaining there regular dental visits you are also able to avoid larger or mostly dental care needs in the future

Having and maintaining proper dental care is very important at all ages. Even for a new born who do not have any teeth. Within a few months their gums harden and the first teeth will begin to show. Generally the first teeth sprout from 4 to 7 months. It is perfectly fine if the child has her or his teeth after a year. Care for new teeth is a must.  Having good dental care habits is important for your own oral health but it also lets you teach your children good dental habits. If you are not sure how to provide good dental care to your new born talk to your dentist for help and advise.

Many people often wait to buy dental insurance when they find out they have larger and more costly dental care needs. If you have a dental abscess or a tooth infection it is very important to see a dentist right away.  Infection can spread and cause a major health issue if it is not quickly taken care of. 

Yet often times cost for such a dental care issue can be what is putting off dental care treatment.  Buying a dental insurance plan will help you with the cost of treating an dental abscess or a infected tooth. 

However it is important to buy the right plan that can help you without long term waiting periods.  Such as an HMO insurance plan or a dental discount plan.  Generally PPO or Indemnity plan will not help in cases like this due to their limitations and restrictions within the first year to year in a half of the policy term.

First it may help to understand what ADA Codes are.   An ADA code is normally a four digit number that identifies the exact dental service render. These ADA codes are the same for both the dentist and the insurance company. When shopping for dental insurance it is helpful if you already know your ADA codes for the dental services you are looking for. 

Say you know you need to have a filling, crown, root canal, etc, and you are trying to shop out insurance in order to make your needed dental care more affordable. Since there are many different ADA codes for fillings, crowns and root canals knowing which one you need will let you match up what you need when reviewing different dental insurance plan options. There by letting you pick a plan that can best fit your needs at the lowest cost to you.

Even if you have good teeth and gums you should seriously think about having dental insurance in place, if you do not currently have any.  With most dental insurance plans preventive dental services is free to very low in cost.  Preventive dental care includes your twice a year cleaning, once a year X-rays, office visits and oral and dental health check ups. All of which without insurance can cost up to $300 or more a year per person. 

In addition people who have dental insurance generally see their dentist regularly compared to people who do not have dental insurance in force. Review our many dental insurance options available on DentalInsuranceKids.com and remember we are always happy to help you if you should have any questions about the plans offered.

When buying dental insurance for invisaligns make sure the plan provide benefits for invisaligns and not just benefits for standard braces.  Many dental insurance plans that offer braces only offer benefits on basic metal type braces and not invisaligns.  That said if you are an adult wanting braces also make sure the benefits available is provided for adults and not just minors up to age nineteen.

Question: I would like to buy a stand alone dental insurance plan for a individual how much would something like that typically cost.

Reply: Cost would depend on the type of dental insurance plan you would want but in general HMO’s dental insurance plans can range around $8.00 – $20.00 a month where as PPO’s dental insurance plans can range around $30.00 – $80.00

Plan types and benefits offer will make prices vary. You may want to starting comparing dental insurance plan though our website as we offer a broad range of dental insurance plan options. Just enter your zip code in the quote box provided. If you have any questions about the available plan we provide please call our office at 310-534-3444 M-F 8am – 4pm as member services will be happy to help you.

Question: Can dental insurance be purchased separately or do you just get it along with your health insurance

Answer: Many health insurance plans you buy may have some dental insurance benefits. However, there are many stand alone dental insurance plans you can purchased if you are wanting to keep your own dentist or looking for better benefits. You can compare our dental insurance plan options just by entering in your zip code in the quote box provided on our website.

It can be more difficult buying a family dental insurance vs an individual dental insurance plan. Primarily because there is more then just one person dental needs to think of. Such as if you have young children under the age of five you want to make sure that the dental insurance plan has providers available for children of younger age or that the dental insurance plan offer benefits for specialist such as pediatrics dentist. 

You also want to make sure you buy a dental insurance plan that can best fit everyone needs. Make sure you take your time and review each dental insurance plan option carefully.  Buying the right plan from the start will not only save you money but possible hassle latter on.

Many seniors live on a fixed income and can not afford costly dental care. Yet as we age so does out teeth and gums.  Having proper dental care habits and seeing the dentist regularly is very important for seniors in order to maintain their oral and dental health. In addition it also help to reduce the risk of having to have larger dental needs that are more costly.    

Another good way for seniors to reduce the cost of dental care is by buying a low cost dental insurance plan such as and HMO. HMO are normally the lower cost dental insurance plan option.  Because they are not as costly ad PPO they are more easier to fit into fixed income budgets.  Most HMO dental insurance plans also offer free preventive dental care services which helps maintain good oral and dental health.

Dental insurance makes having preventive dental services such as twice a year cleaning painless. That’s because most dental insurance plans provide preventive dental care services for free. Insurance companies know that a person that is seeing a dentist at least twice a year for their preventive dental care, are reducing their risk of having to have larger and more costly dental care service.

Sure this may benefit the dental insurance company but without a doubt it also benefits the member. By having proper at home dental care habits, and seeing your dentist at least twice a year, you reduce your dental care cost as well by avoiding larger dental issue in the future.