Question: I need a PPO dental insurance plan to stay with my current provider. I would like to find one with shorter waiting periods than 6 and 12 months.

Answer: Six and Twelve months are basic waiting periods for a PPO dental insurance plan. However, we have two Delta Dental insurance plans with no waiting periods you may want to review.

Delta Dental Insurance is a company that provides dental insurance to individuals and groups. They offer a variety of dental plans, including PPO and HMO plans, as well as vision and hearing plans. Delta Dental is one of the largest dental insurance providers in the United States, with coverage available in all 50 states. They work with a network of dentists to provide their customers with affordable and high-quality dental care.

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.

Where can I go for free dental care?

Reply: There are various options for free or low-cost dental care in California. One option is to check with local community health clinics or free clinics that offer dental services. You can also contact the California Dental Association or the California Department of Health Care Services for information on free or low-cost dental care programs in your area. Additionally, some dental schools offer low-cost or free dental services as part of their training programs. Go to the America Dental Association website and see if they have any programs for free dental care.

It would help to consider getting a low-cost dental HMO insurance plan. These insurance plans can be as low as $7.95 a month, yet they still provide dental care at a much lower cost than not having any dental insurance in place.

However, you should know that dental 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-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. 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.

One of the reasons why HMO dental insurance plans are more budget-friendly is because they typically have lower monthly premiums and out-of-pocket costs compared to other types of dental insurance plans. Additionally, HMO plans tend to have a more limited network of dental providers, which can help keep costs down. However, it’s essential to carefully review the details of any dental insurance plan to ensure it meets your specific needs and budget.

When looking for an HMO dental insurance plan, here are a few tips to keep in mind:

1. Check with your employer: Many employers offer dental insurance plans as part of their benefits package, and this can include HMO options.
2. Research online: Many websites allow you to compare dental insurance plans side-by-side, including HMO options.
3. Look for reviews: Reading reviews from current or past customers can give you an idea of the level of service and satisfaction you can expect from a particular HMO dental insurance plan.
4. Consider your specific needs: Make sure the HMO plan you choose covers the procedures and services you need and that the network of providers is convenient for you.
5. Compare costs: Be sure to compare the monthly premiums, deductibles, and out-of-pocket costs of different HMO dental insurance plans to find the one that fits your budget.

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.

My teeth hurt and then give me headaches. My medical insurance helps with some issues, but my doctor told me that I need to see a dentist to take care of the dental issues that are affecting my health. Can I get something low-cost that will still help? I do not have much money.

Answer: I suggest reviewing dental HMO plans. Dental HMO plans are the lower-cost plan types, and they help reduce your dental care cost so that it is much more affordable. We have dental HMO plans that start as low as $7.95 – $19.95 for an individual. They will help you with your dental care needs and make your dental care cost more affordable.

However, you should know that dental 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-network. Additionally, dental HMO plans may not cover some specialized services or procedures.

It is important to carefully review the plan details and network of providers before choosing a dental HMO plan. 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.

Question:  My job offers me medical but with no real dental benefits. I am looking for a lower-cost dental plan ranging from, at most, $40.00 – $45.00 monthly.

Answer: Yes, we provide dental-only insurance plan options for individuals and families to buy directly. We offer various dental insurance plans from HMO, PPO, and Indemnity. HMO plans are generally lower-cost plans ranging from $8.00 – $20.00 monthly for an individual. PPO plans range from $35.00 – $85.00 an individual, depending on the plan and coverage amount. Then lastly are the Indemnity dental insurance plans. Indemnity plans tend to be more costly but range similar to PPOs. 

Based on your budget, you should review HMO plans as an option or lower-cost PPO plans. You can call our office at 310-534-3444 M-F 8 am -4 pm. We would be happy to help you find a dental insurance plan that fits your budget and dental needs the best. 

Reply: I suggest looking at HMO dental insurance options. They typically range from $7.95 – $25.95 per month for an individual, depending on the plan. HMO dental plans generally cost less than PPO plans because they have a more limited network of dentists and specialists that members can see. HMO plans also often require members to choose a primary care dentist. Additionally, HMO plans typically have lower out-of-pocket costs for members, such as copays and deductibles, making them a more affordable option for those seeking dental insurance coverage.

Here are some benefits of having a dental HMO plan:

1. Lower monthly premiums: HMO dental plans generally have lower monthly premiums than PPO plans, making them a more affordable option for individuals and families.

2. Predictable costs: HMO plans typically have fixed service copayments, which can help members better predict and budget their dental care expenses.

3. No deductibles: Unlike many PPO plans, HMO plans typically do not have an annual deductible that members must meet before their insurance coverage kicks in.

4. No annual maximums: HMO plans may not have a yearly maximum on the amount of benefits that members can receive, which can be beneficial for individuals who require more extensive dental procedures.

5. Preventive care coverage: HMO plans often cover preventive services, such as regular cleanings and exams, at little or no cost to members.

6. No paperwork: HMO plans typically require less paperwork and administrative work than PPO plans, making them a more convenient option for some individuals.

Answer: Since there are different types of dental insurance plans, the cost can significantly vary depending on the type of dental insurance. However, the average HMO dental insurance plan runs around $8.00 – $25.00 a month. For your PPO and Indemnity plans, the cost can also be based on zip code and age; however, for a range, say, around $25 – $75.00 a month.   

Why are PPO’s dental plans more costly than HMO’s dental plans?

The reason why PPO dental plans are generally more expensive than HMO dental plans is that PPO plans typically offer more flexibility and choice when it comes to choosing a dentist. PPO plans allow you to choose any dentist, while HMO plans require selecting a dentist from a pre-approved network. With more choice comes a higher cost, as PPO plans often have higher deductibles and co-pays than HMO plans. Additionally, PPO plans typically cover a more comprehensive range of dental services than HMO plans.

We offer both HMO’s and PPO’s dental insurance plans. We can help you choose the best plan for your dental care needs. Please call our member service line at 310-534-3444. We will be happy to help.

I am looking for an Individual dental insurance plan that would be available in multiple states.  I am a driver and I am in many different states.  I would like a plan that I would be able to use regardless of where in the US I am be in at the time.   Since I am all over the place it not about staying wih one dentist other wise I would just get a plan where I live.  Is there anything that would fit my need.

So I have a PPO dental plan I get though work.  I really hate using it since it seems every time I go to the dentist I think my bill is going to be one charge but by the time the dentist sends me the billing it is more then I thought it was going to be.

This is getting me upset I called the dental insurance company and I am told that my dentist is over the UCR fees.  That can happen whenever I go outside their network of providers.  Why is that the case.  I thought I can go to my own dentist but when I do I get hit by additional charges.  This does not seem fair to me.

My mom is 74 and has all her teeth.  She get health benefits but it does not seem as if she gets anything for her teeth care.  I do not understand why her dental care is not included with her medicare.

She does not have any major dental needs but I do not want her to get any in the future and I know she as not seen a dentist for at least a year now.  If it helps we live in AZ.  What can I do for my mom dental care?

I am new to getting braces.  Since I am 24 I got one of your dental discount plans a while back.  Anyway I have metal braces since they were more affordable to me.   I just got them on three days ago but my teeth are still sore and my mouth is all scratched up.

My gums seem raw and bleed when I brush my teeth which is somthing they did not do before getting the braces.  How much longer will it take for me to adjust to wear braces?  Well I always have sore teeth?  Just wondering it not like I can take them off now but would love some helpful information.

I am having to get a crown and my dental insurance states they cover for full metal and porcelain fused to metal crowns.   My dentist said he would do either and a corse the full metal crown are more more affordable for me.

The tooth that I need a crown on is all the way in back on one of  my back molars.   I am really do not care about it being metal since no one really going to see it anyway.  But beyond just what they look like is there other differences that I should know of before making my choice.