Savvy California health insurance consumers know that one great path to savings is to augment their California medical insurance with an affordable California dental insurance plan!
If you’re transitioning from group health insurance California employees might have had through their previous employer to an individually owned California health insurance plan, researching and selecting a California dental insurance plan might have escaped your attention. That’s unfortunate because the lack of a California dental insurance plan working in unison with your California health insurance strategy can end up costing you…a lot. Let’s look at an example of just how much the absence of dental coverage could wind up costing you. A treatment proposal we recently reviewed included a bicuspid root canal for $763. Followed by core buildup and crown for that tooth: $1,195. That’s $2,000 to you without dental coverage. By the way: Dental plans are so inexpensive that insurance companies install various waiting periods before certain minor and major services are covered, so plan ahead and get your plan in advance.
As we always try to stress here at the Vitality Blog, California health insurance shoppers have an amazing amount of options when it comes to their health coverage: With California dental insurance it’s no different: You could get a separate standalone California dental insurance plan to work in conjunction with your medical coverage. You could get an ‘all-in-one’ California medical and dental plan like the Tonik plans offered by California Blue Cross company Anthem, or – the Essential Plan from Blue Shield of California. Or you could go the HSA-compatible health plan route which offers tax benefits, cost savings, and empowers owners who want more say in how their health care dollars are spent. HSA funds can be used for qualified medical expenses which includes certain dental services.
It’s always important to keep in mind that the Vitality team of California health insurance professionals is here to help with our always free, always careful and considerate client consultations. We’ll help you review the affordable options you have for California medical and dental plans and help you create the peace of mind health coverage strategies that are uniquely right for you and your family moving forward!
