Dental Insurance in California
What are my options for dental insurance in California? I am 20 with a newborn. I am not getting much help with the care of my son, and my son’s dad does not have any benefits that he can add to our son too. I work from home and go into the office when needed; though I do get medical for my son and me, I do not have benefits for dental either. Having to get dental insurance is new to me since I did not give it much thought until my son was born. He is not teething yet, but I like to get something in place for him and me both to use. What are my dental insurance options? Trying to keep the cost low so please advise.
Reply: The lower-cost insurance option would be a dental HMO insurance plan. HMO insurance plan for a couple (you and your son) can range around $13.00 – $30.00. However, with HMO plans, you have to choose a plan provider. Therefore it is important to call the providers to make sure they provide dental care for children under five, as some dental offices do not. Another option we provide is a dental PPO. PPO plans are good in that you can choose your own provider, but they are a more costly insurance option. You may want to look at the PPO plans that have a low yearly max limitation, such as $1000.00 per person. Hopefully, you will not need larger dental care services if you take your son in for regular checkups.