Because it may be the first time you’ve ever shopped for California health insurance, there are a lot of components to the shopping process that you may not be familiar with. For instance, it is important to note that while you may have purchased California medical insurance, you may not have any dental coverage with that.

Note how we said ‘may’…? Well the reason for that is your new California health insurance plan is just that: A health insurance plan. For dental services such as diagnostic, preventative, x-rays, dentures, bridges, crowns, caps, orthodontic services, braces and other orthodontic appliances and supplies, dental implants and related procedures, you would need a standalone California dental insurance plan. What might your California health plan cover in the way of ‘dental coverage’? Well let’s say you were in an accident and suffered a ‘dental injury’. That might be covered under the terms of the policy’s Evidence of Coverage.  The Evidence of Coverage includes detailed information about your coverage. This legal document from your insurance company contains a detailed listing of exclusions and limitations to the plan you have purchased.

Now we also said may for another reason: Suppose in your review of the various options you have available to you for an affordable California health insurance plan, you and your Vitality California health insurance professional talked about a HSA-compatible health plan? The more you looked at the HSA, the more enamored you became of the HSA-compatible health plan’s many advantages to the California health insurance consumer. You were particularly impressed by how contributing to a health savings account and building up funds in that account would  allow you the power to spend those funds on so many different types of qualified medical expenses.

Those qualified medical expenses do include a number of dental treatments for the prevention and alleviation of dental disease. These include X-rays, fillings, teeth cleaning and more! Vitality can provide you with IRS Publication 502 which discusses these benefits in more detail. So if you said to your Vitality insurance professional - ‘You know what? I’m a dedicated saver and committed to funding my HSA so I think I’m going to pass on a standalone California dental insurance plan to go along with my new HSA-compatible health plan and dedicate a portion of my HSA funds to a regimen of annual preventive dental services…’ – We might be inclined to agree with you. Here again, as we’ve discussed many times before: The California health insurance consumer has an interesting array of options and a way to build health insurance strategies that are uniquely right for that consumer.

This is where an always free, always careful and considerate client consultation with your Vitality Health Insurance Services’ professional is a great way to review the different options you have available to you: A California health insurance plan that serves your medical needs and a surprisingly affordable California dental insurance plan working in tandem to protect your physical health and wellbeing and helping to maintain your healthy smile, or: A California health insurance strategy that is built around the concept of one HSA-compatible health plan that allows its owner the freedom of choice to spend HSA funds on the dental care that plan owner needs in the course of a plan year.

Let’s explore these options together in an always free personalized one-on-one client consultation that we can arrange at a time and place that is most convenient to your busy California lifestyle! Contact us for California health insurance strategies that are uniquely right for you!