I am in horrible dental pain. Is there anything that can help me now in making receiving dental care more affordable? 

Answer: Yes, there are a few options you can choose from. Look at our dental discount plans, starting within the next business day from your online purchase. They help reduce/discount the cost of your dental care needs. You can also review our lower-cost HMO insurance plans. These plans have no waiting periods for their services, but depending on when you buy the plan, you may have to wait at least a month before it is in effect. 

HMO plans have both pros and cons. Some pros include lower costs, no annual maximums, and no deductibles. Additionally, most preventative services are covered at little or no cost. On the other hand, some cons of dental HMO plans include limited provider networks, which means you may need to switch dentists if your current dentist is not in the plan network. Additionally, dental HMO plans may not cover some specialized services or procedures. It is essential to carefully review the plan details and network of providers before choosing a dental HMO plan. 

Dental discount plans can be an excellent option for people who don’t have dental insurance. Some pros of dental discount plans include low cost, no waiting periods, and no annual maximums. You can save up to 50% on your dental treatments with these plans. Additionally, you are not assigned to a plan dentist. You only need to choose any participating dentist in the plan. 

However, with a dental discount plan, there are some cons you should be aware of. These plans are not insurance, so you must pay the discounted amount for each service you receive. Also, the discounts offered may vary depending on the procedure and the participating dentist. Some people may find it challenging to find a participating dentist in their area. 

Call our member service line at 310-534-3444 if you have any questions about our dental insurance and plan options, as we will be happy to help.