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 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?
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).
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.
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.
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.
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.
Dental insurance is really the insurance that you're going to use! A beautiful smile is the first step to self-confidence.
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20 years of experience in the California health insurance market has taught us one thing...Competent and experienced guidance is Invaluable
We can quickly (very important) size up your health insurance needs and clearly explain the options available to you. Our focus is finding the most coverage at the best cost to you.
We are licensed Covered Ca agents with in-depth knowledge of their plans, process, and tax credits.
Call us...you will be Pleasantly Surprised. 800-320-6269
We'll quickly see if you have the best priced plan available and if you qualify for a tax credit800-320-6269
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