Dental & Vision Plans  Direct & 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?

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Plans from Quotit for Dental

  • In this video,
  • I address a question about dental plans that may not meet expectations and how to effectively shop for better options.
  • I explain the concept of medical loss ratio and emphasize the value of employer-sponsored dental plans.
  • I guide you on how to access quotes through our dental page, where you can compare reputable plans side by side.
  • Additionally, I highlight some specific plans, including their coverage details and waiting periods.
  • If you have any questions or need assistance, feel free to reach out via email or schedule a Zoom meeting with me.

#Covered California Dental Insurance Plans 

Covered CA Dental Guide

 

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#Importance of Dental Coverage 

Picture of Oral Health  cdc.gov 

Why you need Group Dental Coverage

All our Health plans are Guaranteed Issue with No Pre X Clause
Instant Quote & Subsidy #Calculation
There is No charge for our complementary services, we are paid by the Insurance Company.

Guaranteed Issue - No Pre X Clause - Quote & Subsidy Calculation - No charge for our complementary services - If not in CA click here for Nationwide Quotes

 

Covered California Certified Insurance Agent

#Delta Dental Direct
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Delta Dental - Get Quotes & Enroll Affiliate Link

Be sure to put in our AGENT # 2094784

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Welcome to Delta Dental VIDEO

Delta Dental – Covered CA Plans 

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

Dental for everyone free quote

VSP Vision Enroll ONLINE

Contact Us - Ask Questions - Get More Information
[email protected] 

By submitting the information below , you are agreeing to be contacted by Steve Shorr a Licensed Sales Agent by email, texting or Zoom to discuss Medicare or other Insurance Plans as relevant to your inquiry. This is a solicitation for Insurance

 

 

Pediatric – Children’s Dental 

#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.

Pediatric Dental from Summary of Benefits  

Pediatric Dental from Summary of Benefits

California Broker - Dental Survey   2021 

 

 

Cal Broker Magazine Dental Survey

Forbes - Best Dental Insurance for Implants 2024  

Dental - Glossary – #Dictionary

More Information 

#More on Delta Dental

 

California

More on dental

 

Deep dental cleaning is also called periodontal scaling and
root planning,
 or SRP. 

  • Deep dental cleaning is also called periodontal scaling and root planning, or SRP. It’s similar to how a hygienist typically cleans your teeth but focuses on the outer surface of the roots and below your gum line. This special cleaning is needed when tartar buildup has caused infection of the gums. Pockets form, a widening of the gumline that has pulled away from the tooth. Loss of this connective tissue can lead to bone loss and, eventually, tooth loss. Learn More
  • The Difference: Deep Dental Cleaning vs Regular Cleaning
  • cleaning vs deep cleaning
  • Image from Mouth Healthy.org  
  • You Tube VIDEO on deep cleaning
  • If you’re a dentist check out Spear Education.com
  • If you have recently sat in your dentist’s chair for a routine exam, or you plan to in the near future, you are already ahead of the 34% of Americans who skip their checkup.
  • Let’s set the record straight: if your dentist has suggested a deep cleaning, it is important that you get one scheduled right away. my ideal dental.com
  • Here’s how to avoid the need for a deep dental cleaning
    • You can prevent gingivitis and periodontal disease and avoid the need for a deep dental cleaning. “Probably 95 to 98% of dental disease, and periodontal disease in particular, is preventable,” Dr. Crum says.
    • Key to prevention is better home care. You’ve had the recommendations drilled into your head since you were a kid—brush twice a day and floss once a day. If traditional brushing and flossing aren’t cutting it for you, there are different home care tools you can try.
    • People with manual dexterity issues or arthritis might do better with an electric toothbrush.People who don’t like wrapping floss around their fingers can use floss picks or power cleaners like Waterpiks.People who have larger spaces between their teeth can try small brushes for cleaning that area.
      Visiting your dentist periodically is also key. Regular cleanings can catch gum disease early and keep the plaque and tartar from spreading below the gumline.  considerable.com
  •  

Technical & Research Resources

Our other pages on
Dental Coverage

We don't put a lot of effort into selling dental coverage.  Generally it's a wash on paying premiums vs getting back claims payments.  Unless it's employer group.  Then the premiums are tax deductible under IRS  Section 106.

Here's more information on how we feel about dental.  Here's our page on implants, where we get lots of inquires, but few sales.  Most people only seem to want dental coverage, after they've been told they need a lot of dental work.  Not profitable for Insurance Companies.  See our other pages for details & explanations.   See our page on Medical Loss Ratio.  Insurance Companies need to take in $1 to pay 80c in claims.

 

Medicare Plans

Individual & Family Plans

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

 

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

 

Employer Group Plans

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