Dental Insurance


Dental insurance can be purchased either individually or it may be provided to you as an employee benefit.  Dental insurance can come in three forms, it can be either a PPO (Preferred Provider Organization) a HMO (Health Maintenance Organization) or an Indemnity plan. 

A PPO plan allows you to choose a provider from a list of providers, where as an HMO plan requires you to select a provider from a list of providers.  If you use a provider not listed, you will usually have to pay more out of pocket.  The third type is the Indemnity plan where you can use any provider and you are not confined to a list of providers.    The Indemnity plan is usually more expensive since it give you more choices of providers.  

In California the main carriers are Blue Cross, PMI Delta Care, Delta Dental, Pacificare, Golden West and Blue Shield.  A list of carriers can be found by selecting carriers above and if you would like to receive a quote please select Dental Quote.

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Copyright 2001 Kaplan Management and Insurance Services

Last modified: Wednesday, December 25, 2002