Culver City Dentist United Dental Care -
Dental Insurance Coverage
We at Culver City Dentist United Dental Care ensure that we accommodate all our patients’ requests and concerns. And one topic we’re frequently asked about is the dental coverage we accept.
Understanding the importance of making dental care more accessible, we’ve partnered with major dental insurance companies in California.
This program is part of our effort to keep down the cost of your dental treatment and provide a reasonable pricing structure for your specific dental needs.
Below is a list of some of the major dental insurance companies honored by our dental office in Culver City.
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Denti-cal is an expanded Medi-Cal dental care program offering a wide range of dental benefits to citizens of California. With Denti-Cal, Californians are given dental services that they don’t only need but also they can afford. Nearly everyone who qualifies for Medi-Cal coverage can benefit from Denti-Cal.
Delta Dental is one of the country’s leading dental coverage providers. Through its national network, they provide cost-effective dental insurance in all fifty U.S. states, including California. Their dental insurance products offer unique plans for individuals, families, seniors, or retirees.
Guardian covers dental services that highly focus on preventive care, such as oral exams, cleanings, and x-rays. Their coverage also includes basic care such as fillings and tooth extractions. Likewise, you can choose their Achiever or Diamond dental plans for more advanced or major treatments such as dental crowns, implants, and oral surgery.
Aetna gives two dental insurance options: the Aetna Dental® Direct plan and the Aetna® Vital Savings Dental Discount Card.
The first option covers preventative care 100% with no out-of-pocket cost. The second plan lets you choose from more than 250,0001 available dental practices and providers nationwide.
Dental benefits under BlueCross BlueShield’s coverage include basic (e.g., exam, cleaning) to major or orthodontic services. They calculate dental premiums based on your location (rating areas) and selected plan options. Blue Cross Blue Shield FEP Dental coverage has nearly half a million provider access points across the country.
MetLife has an extensive provider network with thousands of partner dentists nationwide. Being a MetLife gives you the advantage of their negotiated fees, which generally cover 30 to 40 % less than the average. Negotiated fees refer to costs that in-network dentists have agreed to accept as payment in full for covered services, subject to co-payments, deductibles, cost sharing, and benefit maximums. Based on their internal analysis, negotiated fees are subject to change.
United Concordia Dental
United Concordia Dental has been one of the leading dental solution partners for over 50 years. Their offerings include standard PPO and DHMO plans, which cover flexible and affordable program options. UCD advertises low monthly premiums and minimal or no out-of-the-pocket costs on preventive services.
Frequently Asked Questions
Oral care often starts with preventive care, which is the main focus of most dental insurance. Therefore, having 100 % dental coverage on most preventive care treatments gives you the upper hand and greater dental protection. Dental plans are also customizable, meaning you can choose what you only need and can afford. It can come in handy if you want to avoid out-of-the-pocket costs for unexpected dental treatments.
If you don’t have any dental insurance and are unsure which one to get, you may also want to consider a membership plan that most dental clinics offer. Dental membership plans or “in-house dental plans” offer patients a set of products and services for an annual or monthly fee. These plans commonly include a specific number of dental consultations and discounted rates on procedures such as fillings, extractions, and dental crowns. See our sample membership plan here.
Dental coverage is often part of employees’ work compensation packages that their employers pay. Treatments for this coverage depend entirely on the policy a company or patient purchases. Dental membership plans are often tailored to the patient’s needs and are less limiting because they have no yearly maximums, deductibles, or waiting periods.
Dental insurance works best for preventive treatments. But if you need extensive dental work and can’t afford to deal with benefit caps and waiting periods, you should opt for dental membership plans. Nonetheless, both options offer advantages that cannot be overlooked.