What Kind of California Dental Insurance Can I Expect?

California is a huge state with varying climates, terrains, and populations. As you might expect, the variety of options available for dental care and insurance is plentiful. Nonetheless, finding California dental insurance for you and your family is quite easy.

Among the types of dental insurance available, you will find assistance from Medi-Cal. DentiCal, or CalWORKS or even SSI. Some people who contact dentists with these plans are expected to assume some of them, others not.

Be sure to ask so you won’t be surprised when you get to the dentist. Medi-Cal recipients have their costs calculated each month by looking at your net income (after tax) and deducting what is considered your level of “maintenance need”. In addition, you may need to meet a certain threshold for dental and medical expenses before assistance is applicable. In fact, this is one of the reasons some people buy California dental insurance because it helps them reach their healthcare threshold and become eligible for Medi-Cal assistance.

If this is confusing, don’t be surprised. This is why insurance agents exist. The state office that regulates dental insurance can actually help guide you through the many different programs in California.

For example, California also has an extensive dental network with different plans that provide the following benefits:

  • No deductible
  • No claim form
  • Free exams, x-rays or cleaning every 6 months
  • No waiting times
  • No restrictions on many pre-existing conditions
  • No annual maximum
  • And some include orthodontic appliances for children and adults.

With all of these types of features and alternatives for dental insurance so available throughout California, it’s hard to imagine residents of other industrialized countries, or most other states, ”according to Anthony Wright of HealthAccess.

An example of this type of underinsured situation is the type of dental insurance called DentiCal. As of 2009, over 3 million Californians relied on DentiCal. This included children, low income adults, the elderly and people with disabilities. While it is well known that your oral health and overall health are inextricably linked, funding for this program was further reduced in 2010.

If you already have a dentist for your family and are comfortable with him / her, it is best to find out about the California dental insurance they provide or honor in their office. It makes a lot more sense than changing dentists all the time. These routine dental visits with someone who knows your mouth and oral health are an important part of preventive dental care. This is what minimizes the chances of having serious dental problems.

When I lived in California I didn’t know any of this and just went to a dentist recommended by a friend. It was then that I learned how expensive it really is to see a dentist without insurance.

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