What’s the best dental insurance in California?
Visiting the dentist on a regular basis and following his or her recommendations for maintaining good oral hygiene at home is essential to the continued health of your teeth and gums, to preventing the development of potential problems such as cavities and gum disease, and other conditions such as oral cancer which can have a serious impact on your overall health.
While many conditions are preventable with routine dental care, situations arise that can result in treatment costs that have a major impact on your budget. Having a good dental insurance plan can help to greatly reduce the overall costs of your dental care.
The different types of dental insurance plans that are available to California residents include:
- Discount Dental Plans
- Dental Health Maintenance Organizations (DHMOs)
- Preferred Provider Organizations ( PPOs)
- Indemnity Plans
Each plan offers different benefits as well as different payment plans which can make for a lot of confusion when it comes to choosing the plan that best fits your needs and/or the needs of your family. If you’ve recently moved to California or are a new employee and you’re looking for the best dental insurance in California, independent insurance broker, Daniel Fraisse, can help. When it comes to insurance — auto, life, health, homeowners — Dan Fraisse has been providing great service to the L.A. community for decades.
Depends on your needs
Finding the most affordable dental insurance plan for you depends upon your individual coverage needs or those of your family. There are a number of factors to take into consideration such as your age and the age of your family members if that applies to your situation. If you purchase a plan through the Health Exchange, children up to age 18 are automatically covered for pediatric dental benefits.
Another important factor to consider is your dental history — for example, if you play hockey, you’re more than likely going to have some dental problems down the line that will require more extensive treatment. So, you’ll want to consider a plan that provides adequate coverage for these types of treatment services.
Dan Fraisse is very familiar with all of the pros and cons of different dental plans and policies, including the deductibles, co-pays, waiting periods, and yearly maximums. He maintains good working relationships with the major insurance carriers which means that he’ll find the best dental insurance for you at a price that fits your budget.
Let’s talk
Purchasing dental insurance can be a very confusing process to go through. Let Daniel Fraisse, dental insurance broker, do the legwork to find options that are in your price range.
As an independent broker, Dan is representing your interests, not those of the insurance companies. If you’re looking for the best dental insurance in California, call our office today to discuss your dental insurance needs.