Dental insurance might not be flashy, but it’s one of the most practical benefits you can have especially when it comes to preventive care and avoiding costly surprises down the road. If you're considering dental plans in California, here’s a breakdown of the basics: types of plans, what they cover, and how to make the right choice for you or your business.
Most dental insurance plans group coverage into three categories:
This includes your routine cleanings, exams, and X-rays. These services are usually covered at 100% and often don’t count toward your annual max. Keeping up with preventive care can help you avoid major issues down the line.
Fillings, simple extractions, and some gum treatments fall into this category. These are generally covered at 60–80%, and you may need to meet a deductible before coverage kicks in.
Think root canals, crowns, dentures, and bridges. These procedures may have longer waiting periods and are covered at 20-50%. Make sure to check your plan for any exclusions or limitations.
Some dental plans offer Day 1 coverage, meaning you can access basic or major services immediately. This is especially appealing if you need care soon. However, it's important to note that while services may be available right away, the coverage percentage may be reduced for the first 6–12 months. For example, a filling might be covered at only 40–50% in year one, increasing in later years if you stay enrolled.
Other plans include waiting periods, usually between 3 and 12 months for basic or major procedures. These plans may offer higher coverage percentages after the wait but you'll need to plan ahead if you're anticipating treatment.
The annual max is the most your dental plan will pay in a year. Once you reach your max, you’re responsible for 100% of remaining costs until the new plan year starts.
Fun fact: Most preventive services don’t count toward the annual max, making them a smart way to get regular care without dipping into your yearly allowance.
If you're looking for coverage that starts right away, look for plans with no waiting period. If you're planning ahead for bigger procedures, a plan with higher coverage on major services may be a better fit.
Whether you’re a Los Angeles-based family, a San Fernando Valley business owner, or anywhere in Northern or Southern California, I can help you compare plans that fit your needs and budget.
Not in California? I’m also licensed in Arizona, Florida, Georgia, Illinois, Michigan, Nevada, New Mexico, Oklahoma, and Texas and I’m happy to help wherever you're located.
Whether you need coverage that starts right away or want to plan ahead for major care, we’ll help you compare your best options. Click below to get started with a personalized review, quick, simple, and tailored to your needs.
Let’s protect your smile, and your wallet, starting today.