Dental

There are all types of dental plans for individuals and families; HMOs, PPOs, Panel Plans, Indemnity plans and Memberships. Which one is best for you?

The key with most dental plans is …the dentist. Because dental plans require you to see "participating or network dentists" in order to obtain the highest level of coverage, a dental plan is only a good value if you do. If you want to stay with your current dentist then ask their office if they participate in any individual dental plans. If they do, then start by researching those plans. If they don't consider a change in dentists or self insure. Dentists will often give you a discount if you pay cash.

We are pleased to feature two new plans that we believe are worth consideration. They are two very different options but both are available to anyone (seniors included).

Dental for Everyone

Delta Dental, the premier dental plan in the state with the largest provider network (over 95% of dentists participate) is now offering an individual plan. Delta Dental, known for their popular group dental plans, now offers an individual plan called Dental for Everyone. It is structured very similar to traditional PPO dental plans, but with Delta Dental, you also get their discounted rates on services and their claim-free processing – the most efficient in the industry. The plan is offered through Benefit Association which provides discounts on prescriptions, vitamins and other goods and services.

Plan Highlights

Largest Dental network available (95% of California Dentists participate in Delta Dental's Premier network)
$1500 of coverage per calendar year (per individual if applicable)
Vision Discount Plan included (administered by EyeMed network) Or,
Vision Insurance option with VSP, the nation's largest vision provider. (see details in through our link below)
Efficient Claim-free processing
Anyone is eligible to enroll (seniors too!)

To learn more and to obtain a quote, please click on our link: Dental for Everyone. Here you can also search their list of participating dentists and apply online.

Applying is simple and applications are only accepted using the online enrollment form also inside this link.

You will have an option to pay automatically by credit card or checking account deduction. Morgan White is a TPA (third party administrator) for this product and will be the company shown on your bank or credit card statement.

You will receive your policy confirmation and membership ID cards by email, so please download and save them for future use.

All applications will be given the first of the month effective date following submittal prior to the 20th of the month. Any application submitted after the 20th of the month will be issued an effective date of the first of the following month.

New Dental Choice

This is actually not insurance, but a membership program that provides deep discounts on most dental procedures with no waiting periods, no benefit limits, no deductibles and no claim forms.

Unlike insurance when you often don't know what you owe for services ahead of time, New Dental Choice provides you a list of procedures showing the amount you pay. You must see participating dentists to obtain the plan benefits. However, the lists appears to be as big or bigger than most dental insurance plans. And, the plan administrators are committed to growing the network.

To learn more about this program, obtain a quote, view a list of participating dentists in your area and enroll, please click on this link.