Question: I do not currently have dental insurance, but I would like to start going to the dentist since it been a while since I last went. I been advised that I should get dental insurance first so my cost for dental services are more affordable. How does dental insurance work?

Answer: To answer your question correctly, it would depend on the type of dental plan you would want. There are four types of dental insurance and plans available, Dental PPO’s Dental HMO’s Dental Indemnity and Dental Discount plans.  Although PPO and Indemnity are similar they are not the same. That goes for HMO’s and Dental discount plans.  I can say that all these types of dental insurance and plans do work to help save money on the cost of your dental care needs.   To be vague:

Dental insurance plans works in much the same way that health insurance works. For a stated monthly and or annual premium (rate), you are entitled to certain dental benefits under the plan which will usually include regular checkups, basic cleanings, x-rays, and certain services required to promote over all good general oral health.

Some plans will provide broader benefits and or coverages than others and may require a greater financial contribution on your part when services are rendered. Some plans may also provide coverage for certain types of oral surgery, treatment of gum disease, or orthodontia (braces) What is very important is that you take your time and read each plans terms and conditions so that you buy the plan that best fits your dental care needs.

In order to review our dental insurance and plan options just enter your zip code in the quote box provided above.  If you should have any questions about any of our dental plan options just call member services at 310-534-3444 as they will be happy to help you.