CALIFORNIA DELTA DENTAL FOR INDIVIDUALS AND FAMILIES
Individuals and families have been asking us for Delta dental for years now.
Before recent changes, we were only able to offer Delta dental insurance to California companies and larger companies at that (minimum of 5 employees).
We Have Good News!
We can quote and enroll the full Delta dental PPO (even their top network) and HMO plans to everyone!
Why has Delta been so sought after all this time?
Network Network Network
First, it’s important to understand that dental coverage is a commodity.
The core benefits and even monthly premiums have been very comparable from carrier to carrier.
Most health insurance carriers have different levels of coverage available to the market with various premium points.
The associated costs generally fell in a basic ranges as well.
The real difference was in the network or the list of dentists which you access for full benefits.
We say “full benefits” because PPO plans will allow you to see out of network providers with limited benefits but you’ll pay a lot more out of pocket when use these providers.
So, why is the network such a big deal?
Delta dental is generally regarded as having the best and broadest network of California dentists.
Here is why it matters.
The qualify of dentists is directly correlated with the quality of the dental network.
Carriers won’t actually say that but dental shoppers intuitively know it.
Here’s the typical call we’ll get from a person who has a sub-par network and or dentist (generally HMO).
“I went in for a cleaning, and the dentist started pushing all this extensive work that wasn’t needed”.
Seriously. We get those calls about once a week.
Go in for a cleaning and leave with a mouth of gauze and a few thousand dollar bill.
It’s interesting, people are generally pretty circumspect about choosing a doctor but a little more “forgiving” about a dentist.
Dental Health Is Health!
Forget about the documented research showing ties between dental health and heart health.
You want access to the best dentists to avoid more expensive work later on. That’s Delta Dental.
Here’s the easiest way to tell.
Call a dentists office and ask them what insurance carriers they take and their thoughts on Delta dental. Next question.
What About Delta’s Dental Premium Rates?
Some good news here.
There are some other strong carriers on the group market like MetLife but they are also very expensive to match the richer networks/benefits.
They also don’t usually offer coverage outside of company plans. So we were nervous.
Turns out the Delta rates are right inline with the standard medical carrier dental plans.
That’s huge! The benefits are all pretty comparable. Networks and rates drive the decision and both are competitive.
How To Quote, Compare, And Enroll In Delta Dental.
More good news.
You can click on the link below to instantly quote the various dental plans (as well as VSP vision) available on the California IFP (individual and family plans) market.
You’ll see their full list of PPO and HMO plans with rates and benefits.
You’ll also be able to enroll instantly online and get coverage started quickly.
A Few Quick Points To Keep In Mind.
- For the PPO plans, Delta has two different networks available. Premier is the more extensive list of dentists.
- When you view the benefits, cleanings (preventative) is generally not subject to any deductible and available right away.
- There are waiting periods for more serious issues which is typical for dental since it’s guaranteed issue. This means that you cannot be declined based on dental health at the time of enrollment
- Preventative benefits (cleanings, etc) are typically right away!
- There is no long term contract and you can cancel month to month
- The ACA law (Obamacare) addresses pediatric dental for children under age 18. Adult dental is not covered under the law.
Dental insurance is really the insurance that you’re going to use! A beautiful smile is the first step to self-confidence.