Regular visits to the dentist encourage early diagnosis and treatment of problems without extensive testing or elaborate and expensive procedures. Research shows that gum disease may be a leading cause of heart disease over cholesterol, hypertension, smoking, age, and gender. Maintaining preventive dental health will lessen your chances for heart disease and major dental expenses.
The most widely accepted California dental insurance plans include waiting periods and annual benefit maximums to reduce their monthly cost. Preferred Provider Organization (PPO) plans typically have a three to six month waiting period for basic services (fillings) and a twelve month wait for major services (root canals, oral surgery, crowns, etc.). Typical benefit maximums range from $500 to $2,000 annually.
The flip side to a PPO policy is a Health Maintenance Organization (HMO) plan which typically does not include waiting periods or annual benefit maximums but has a more limited network of providers. While the network of dentists is smaller, you get a real boost in benefits. Potentially you can receive coverage for fillings, root canals, crowns, and oral surgery on the policy effective date and not have to worry about benefit maximums. If you don’t mind switching dentists and have need for a California dental insurance plan to assist with costs, an HMO plan is recommended. Click here to download the disclosure form and contract, and click hereto download the application to apply for coverage.
Keep in mind you must apply for California dental insurance plans no later than the 20th of the month prior to your effective date. Applications received after 3:00 PM on the 20th will automatically be effective the first of the following month.
Frequently Asked Questions
How can I find out if my dentist accepts these Delta Dental policies?
Click here to be directed to the Delta Dental home page where you can search for providers on the right hand side of the page. Select the Delta Care USA network to search for providers in the HMO network and select either Delta Dental PPO or Delta Dental Premiere to search for PPO providers.
Does J.C. Lewis Insurance Services offer California dental insurance plans from carriers other than Delta Dental?
Yes, we do. Navigate to our forms and documents page where you can gather information about the other stand alone PPO and HMO dental plans that we offer.