Information on PPO Full Coverage Dental Insurance for a Dental Crown – Finding a Plan that Covers 50% or More and Starts Right Away – California Dental Insurance
I need two dental crowns. I am looking for a dental insurance plan that will cover at least 50 percent or more of a crown and will start right away since I need the crowns now. Is there dental insurance like what I need?
Reply: Some PPO dental insurance plans do not have waiting periods, even for primary dental care. However, coverage, even on those plans, will tend to limit benefits in other ways. The coverages are based on the first, second, and third years; each year, benefits increase to the third year. In the third year, you may get 50% covered for the major dental care you seek.
Consider reviewing dental HMO insurance plans. HMO insurance plans typically do not have waiting periods, and benefits are listed on a fee schedule that will state the cost you pay for services. The downside could be that you have to choose an in-network provider of an HMO. That means you may have to choose a different dentist if your current dental office is not a provider of any HMO dental insurance plans.