Dental & Vision Plans  Covered California
 individuals & Families
Employer Groups

Introduction To Dental Insurance

• Dental & Vision covers things like Root Canals, crowns, Dentures, Braces, routine cleaning, “deep cleaning” eye exams & glasses.
• Adult Dental & Vision for adults, 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
• Delta Dental and Dental for Everyone
• Covered CA – Ask us [email protected] or log into your account and click on Select Dental Plan in right hand side under Actions

#Pediatric Dental and Vision

Pediatric Dental and Vision are Mandatory essential benefits under Section “J” ^{42  USC  18022  SB 951,} even if there are no children on the policy.  If there are no children, you are not getting charged see FAQ below for more detail.

• Resources & Links
  • Blue Shield Trio HMO  EOC Evidence of Coverage 2019 Page 50 for Dental & 112 for Vision
  • Blue Shield Graphic on Pediatric Dental & Vision
  • Covered CA – Ask us [email protected] or log into your account and click on Select Dental Plan in right hand side under Actions
  • Delta Dental VIDEO Changes with Health Care Reform Pediatric Dental
  • Children’s Vision Problems Often Go Undetected, Despite Calls for Regular Screening

#More on Delta Dental

California

• 2025 plan brochures  Brokers ONLYEnglish
• Direct – Not Covered CA
•  Delta Dental Individual & Family™ Delta Dental PPO™ Family Dental PPO 1690 KB
•  Delta Dental PPO™ Children’s Dental PPO for Small Businesses 1688 KB
   Delta Dental PPO™ Family Dental PPO for Small Businesses 1690 KB
   Delta Dental PPO™ Family Dental PPO for Small Businesses 949 KB
   Delta Dental Individual & Family™ DeltaCare® USA Family Dental HMO 945 KB
   DeltaCare® USA Children’s Dental HMO for Small Businesses 948 KB
•  
• California Brochures
  • Delta Dental PPO Premium Plan covers implants at 50%, after a 12-month waiting period.
  • Delta Dental Individual & Family^TM Delta Dental PPO^TM Family Dental Plan 669 KB
  • Delta Dental PPO^TM Children’s Dental PPO for Small Businesses 790 KB
  • Delta Dental PPO^TM Family Dental PPO for Small Businesses 794 KB
  • Delta Dental Individual & Family^TM DeltaCare® USA Family Dental HMO 872 KB
  • DeltaCare® USA Children’s Dental HMO for Small Businesses 837 KB
    • DeltaCare® USA Family Dental HMO for Small Businesses 848 KB
  • Members Resource WebPage
  • Find a Dentist
• FAQ’s
  • What do we need to give to Delta Dental to have the 6 month waiting period waived?
    • Let’s check the EOC Evidence of Coverage  and Summary of Benefits
      • Attachment A Footnote 3 just says acceptable documentation.  I suggest that your ID card and proof of payment for 6 months will suffice.
• Broker ONLY
  • More Resources
  • Insider Update – Tips to make selling Simple
    • Broker ONLY Resources

More on dental

• Dental care reduces likelihood of hospitalization for people with diabetes or coronary artery disease Medical Press 5.6.2022
• The 2022 State of America’s Oral Health and Wellness Report Commissioned by Delta Dental Plans Association
• What drives buyers of individual Delta Dental plans?
• 77 Million Adults Do Not Have Dental Insurance
• CDA-sponsored bills seek more protections, increased oversight of dental insurance  Bills would prohibit plans from imposing arbitrary waiting periods, denying coverage for preexisting conditions; require rate review and ERISA notice Learn More >> CDA  *  CA Legislature *  California Benefits Review Program *

• Steve on buying, shopping and best use of premium dollars
  Dental Insurance VIDEO

  

  MORE VIDEOS

  • What dental Insurance… should I buy??? 
    • VIDEO  the dentist attempts to give you some guidance about things to consider before buying a dental insurance plan, finance plans available,  negotiating with your dentist
  • Sacramento Truck driver sudden dealth from tooth infection Sacramento Bee 1.31.2017
  • Health Savings Accounts?
  • Video – how bad sugary drinks are for you