Dental & Vision Plans 

Dental & Vision covers things like Root Canals, Dentures, Braces, routine cleaning, eye exams & glasses.

Adult Dental & Vision, as opposed to coverage for children  is pretty much, but not totally  excluded from Health Plans, as it’s not an essential benefit.  Specimen Policy Page 118      

Please note the maximum payouts/year are generally $1,000 or $1,500 and sometimes 6 months to one year waiting periods to get major services,  There are also rules so that insurance companies can stay financially solvent like the 80% Medical Loss Ratio, rule and underwriting to avoid adverse selection so IMHO he more important issue is:

What plans do you have to take care of your families financial issues and putting food on the table should the breadwinner pass away,  not be able to do all the duties that his work requires or fully able to take care of himself?

Get Quotes & Enroll

Quotit – Online Quotes & Enrollment

Covered CA – Ask us [email protected] or log into your account and click on Select Dental Plan in right hand side under Actions

Why Buy Dental Insurance?

A warm, bright smile can make a big difference in the way you look and feel. Regular dental check ups and cleanings are important to keep your smile healthy and can help you maintain better overall health.

What dental Insurance... should I buy Stephen Hook DDS

When people ask, what dental insurance plan should I buy, I'm tempted to answer, "None of them". But that's not a very helpful answer, so in this video I attempt to give you some guidance about things to consider before buying a dental insurance plan. Keep in mind that there also are finance plans available if you decide to go that route. And, you should not be shy about negotiating with your dentist regarding his or her fee for the services that you need.

Importance of Dental Coverage 
Dental & General Health

Insurance 101?

We suggest that you check out Life Insurance, Disability, Long Term Care and Retirement as these risks may cause much more financial devastating to your budget than dental bills.

I don't quite agree on the individual vs group rates & benefits - also group plans are income tax free - section 106

On the other hand - Sacramento Truck driver sudden dealth from tooth infection Sacramento Bee 1.31.2017

Picture of Oral Health 

Why you need Group Dental Coverage

Delta Dental Direct 

Delta Dental – Get Quotes & Enroll

Be sure to put in our AGENT # 2094784


Welcome to Delta Dental

Dental For Everyone,
has an excellent  website with full brochures, Instant online quoting and enrollment

Dental for everyone free quote

One of our colleagues on how Dental for Everyone Works..

Steve Shorr
Website Introduction

Instant Health Quotes & Enroll

15 Reasons to appoint us as your broker - No extra charge


Our Webpage on Insurance Coverage for 


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Covered CA Certified Agent

Covered CA Certified Agent  
No extra charge for complementary assistance 
Appoint us as your broker  

Set Consultation Meeting via Phone, Skype or Face to Face

Instant Health Quotes & Enroll
including subsidy calculation

Video on how great agents are

"I'm In"

Enrolling in health plans through Covered California has helped people focus on their families and careers, and feel protected against unexpected medical issues.

4 comments on “Dental & Vision for Adults and Mandatory Pediatic as an essential benefit

  1. We have individual family Delta Dental HMO which is due for renewal at just $250/yr total premium

    I need crown work so looking for best plan to move into that will offer the deepest discounts for crown, post, and root canal. My estimate for work is over $5,000

    • Please, when asking us to compare or advise on plans, let us know the exact plan you have, ages and how many people are covered.

      Are you talking about the DeltaCare® USA CAA54 Individual/Family Dental Program Disclosure Contract

      This plan does NOT have waiting periods and no annual maximums!

      Are you happy with the dentists on the provider list?

      How about appointing us as your agent on this plan?

      One problem with dental, is that the premiums and thus the commissions are so low, we don’t really have time to shop and compare for you.

      Thus, we suggest you use the shop & compare tools on our website like:

      Dental for Everyone Which shops maybe 50 plans and allows side by side comparisons.

      Scroll back up and visit our pages and compare benefits for Blue Cross, Blue Shield and Health Net

      It’s also difficult for us as agents, as most people that ask about dental coverage, are in need of MAJOR services and facing huge bills. That’s not really something Insurance Companies are looking to pay immediate claims for.

      Note also, that employer group plans often offer richer benefits, shorter waiting periods and higher maximums as there they are getting people that don’t need MAJOR services right away to make up or help pay for ones with immediate claims.

  2. I would like to get a vision doctor that I can see in the same zip code area 93534

    need a dentist and I need a vision and I need to see a doctor

    Editor’s note – I had to do major cleanup on this post as this person is not very well spoken and very upset about how many phone calls they’ve made and not gotten the answer they are looking for.

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