If you live in California, you know how high the cost of living is. Fortunately, dental insurance is a great way to lower some of your expenses. Sure, you'll have to pay a monthly premium, but you'll wind up saving money in the long run. But is dental insurance in California really any different than the dental insurance in South Carolina, Montana, or New Hampshire?
Luckily, when you buy dental insurance in California, you get to take advantage of these 4 things:
1. Plenty of insurance companies to choose from
Most insurance companies have a major presence in California, simply because it's so big and so populated. For you, it means having a much easier time trying to buy dental insurance in California. You'll have plenty of different insurance companies and a slew of different plans to choose from, so it will be easy to find an individual dental insurance plan that's perfect for you.
2. Long lists of providers
The typical individual dental insurance plan is either an HMO or a PPO. With both, you'll have a list of "approved" dentists and specialists that you can go see. As long as you head to a doctor on this list, you'll get the full benefit of your dental coverage. If you go to someone who's not on this list, you could wind up paying all of your dental bills yourself!
Luckily, California's sheer size comes into play once again. Good insurance companies will have long lists of approved providers in California. That way, it will be easy for you to find a dentist or specialist that you like, that's near your home or office - no matter which part of the Golden State you live in.
3. An ability to bundle dental insurance with eye insurance
When you buy an individual dental insurance plan in California, you don't have to limit yourself to just dental coverage. In fact, many of the insurance companies here will be more than happy to throw in eye insurance, too. That way, you get your dental and vision insurance taken care of - two things that most employer-sponsored health plans don't come with anymore - all in the same place.
4. Well-rounded coverage
Most of the dental insurance in California covers 3 things - preventative care (like your cleanings and check-ups), diagnostic services (like your x-rays), and emergency services (like dealing with a chipped tooth or fixing a loose filling). Of course, you'll have to check with your own specific plan to see exactly what it covers, but by having well-rounded coverage like this, you won't have to worry about any "surprises" later.