Dental Insurance in California

Dental work can sometimes feel out of reach financially for many Californians. However, with affordable dental insurance, you can still keep a healthy smile without breaking the bank. Cost-U-Less Insurance partners with Independence American to help people obtain dental care and maintain their smiles in the Golden State.

Ensuring you get top care for your oral health is easy and affordable with the right dental coverage.

At Cost-U-Less, you will find dental plans to fit every budget. There’s no need to neglect those pearly whites when you can take advantage of the many services provided, including major dental treatments, routine check-ups, cleanings, fillings, or crowns, we’re here to save you money and keep you healthy.

You can get an affordable, quick, no-obligation quote by calling us at 800-390-4071. We can help you find both dental and health plans in the state.

Dental insurance varies in cost depending on the tier level you choose, how many people you want to cover, and where you live in California. The average cost of dental insurance in California is $27.80 per month.

However, it’s going to be less costly than paying dental bills out of your pocket. Maintaining proper dental hygiene and care can be expensive without a dental insurance plan in place. Your overall health may also suffer if you neglect your dental health.

It’s a plan that covers your oral hygiene and health. It’s similar to other forms of insurance in that you pay a monthly premium with coinsurance or deductibles. With an insurance plan, you can take care of your dental needs and not allow problems to pile up.

You and your loved ones can have a bright smile and healthy oral hygiene. One of the key components of that is finding affordable dental coverage in California. With a dental plan, you can rest easy knowing your oral health will get TLC.

Participants can select from two plan options: Indemnity Dental Plan (no network restrictions) or a PPO Dental Plan (save by using in-network providers). Eligibility extends to all of your dependents under the age of 26, too. So, your children can obtain the best care for their teeth.

To sum up, dental plan participants can receive coverage for themselves, their spouses, and their children.

With our dental coverage:

• Preventative care is available as soon as you get your dental coverage. No need to endure long wait times that are common for new patients.
• There’s no underwriting involved. So, you won’t have to fill out extensive paperwork, answer a bunch of questions, or pass a health exam.
• There’s no age limit for obtaining a dental plan.
• There’s no charge for the application.
• There’s a guarantee you’ll be accepted for a dental health plan.

People can experience a range of issues regarding their teeth and oral health. Obtaining a dental plan can offset the cost of care. Dental health care can be divided into three categories:

1. Maintenance Care

This type of dentistry consists of the preventative and maintenance care you need. Examples include:

• Cleanings
• X-rays
• Consultations/assessments
• Treatment plan management

2. Restorative Procedures

When a dental problem arises, you’ll need to have some type of procedure to correct it. Some of these procedures include the following:

• Cavity fillings
• Root canals
• Crowns
• Partial dentures
• Bridges

3. Emergency Issues

You never know when an emergency dental issue will come up. You may need emergency surgery due to a vehicle accident that damages the mouth and teeth. You could also get a horrible toothache leading to an extraction. These are just some examples of emergency procedures that must be taken care of.

There are two dental coverage plans that you and your family can select from in California: Indemnity or PPO. Both of these plans have 3 levels of care, allowing you to obtain the right coverage for your needs. Let’s take a look at more details of each plan.

Indemnity Plans

With no network restrictions, you are free to choose the dental provider of your choice.

PPO Plans

You’ll be able to save even more money by using in-network dental providers.

Regular dental health care is also linked to better overall health for people. People who do not take care of their oral hygiene have a higher buildup of bacteria, resulting in gum disease. This can lead to other medical conditions, such as:

• Endocarditis
• Cardiovascular disease
• Pregnancy and birth complications.
• Pneumonia
• Rheumatoid arthritis
• Alzheimer’s
• Dementia

In addition, if you already have diabetes, it can pose a cycle of problems with oral health. Diabetes exacerbates periodontal disease, which in turn, makes diabetes worse. So, having dental insurance ensures you stay on top of your dental health issues.