There a lots of different dental plans off-exchange or outside of Covered California. The number of plans makes comparisons complicated and confusing. Delta Dental and Anthem Blue Cross offer dental plans through Covered California and a variety of different plans off-exchange. The single largest difference between the Covered California plans and the ones offered off-exchange is the 12 month waiting period for major dental work such as extractions, root canals, and crown. The six month waiting period usually applies to minor restorative work such as getting a cavity filled.
After Covered California acknowledged at the January 2017 Board meeting that they had system issues that affected over 40,000 consumers, new enrollment problems seem to be boiling up. Some consumers have reported that household members who are ineligible for Covered California family dental plans have been automatically enrolled in dental insurance in 2017. In some very rare instances, the Covered California system is allowing consumers to actively enroll in two different subsidized health plans.
Consumers should be cautious when a health insurance agent wants to bundle a bunch of other products such as life and accident insurance with the Covered California health plan. These agents and marketing organizations are more interested in selling higher commission products such as life, accident, cancer, stroke, heart attack, and dental plans than they are health insurance. They may try to convince a consumer to drop the health plan to a Bronze level so they can sell questionable indemnity plan products as extra protection for the higher deductible.
Consumers, agents and Covered California representatives have been flummoxed over how to change the household health insurance plan after the account has been automatically renewed by Covered California for 2016. It may have come as surprise to Covered California that not everyone wants to renew their current 2015 health plan. After Covered California automatically renewed the health plan there is no visible way to change the plan…unless you know the trick.
Covered California has finally been able to include family dental plan enrollment to consumers who have purchased a health plan through the exchange. The dental plans overall are pretty good but they come with some conditions that limit suitability for all families.
Tucked into every individual and family health plan in California are some very good dental benefits for children. Unfortunately, the health plans don’t make it very easy to identify which dentists will accept the pediatric dental insurance that comes standard for dependents under 19 years of age. If a parent doesn’t select the correct plan […]
Families who purchased health insurance and pediatric dental through Covered California are getting a corrected 1095-A Marketplace statement because Covered California forgot to add the pediatric dental insurance premiums on the initial 1095-A. For families who have already filed their taxes with the incorrect information and subsequently received a corrected 1095-A, they may have to […]
Covered California has quietly announced that they will not be offering individual and family dental plans through the exchange in 2015. The dumping of the family dental plan options comes after Covered California released a whole dental plan booklet of family dental plans in August of 2014. No reason was given as to why the dental plans will […]
Covered California is changing and expanding their dental plans. First, all health plans will include children’s dental insurance. There will be no need to purchase a separate dental plan for dependents 18 and younger. Second, Covered California will begin to offer family dental plans on the exchange. But who are these dental plans and are […]
As of May 1, 2014, limited dental services will be included for adults, 21 years and older, that are on Medi-Cal. Adult dental Medi-Cal services were removed during the California budget crisis in 2009. Some counties may require adults to enroll in a dental manage care plan while others will offer a Fee-For-Service program. The Denti-Cal adult services will be the same whether they are obtained through a plan or through a Denti-Cal participating dentist or clinic. The challenge for adults in rural counties will be finding a dentist that accepts Denti-Cal.