Question: I have a family of five looking for a PPO dental insurance plan under $100.00 a month. I live in California.

Reply: Since PPO plans are typically zip code rated, without knowing your zip code, I could only say generally, our Dental PPO plans range from $120 – $230 a month, on the low side for a family plan running $120.00 a month which is over your desired cost, but when you brake it down it around $25.00 a month per member for a family of five.   

However, that is on the lower side, with a low maximum limitation of $1000.00 per person per year. We have plans with maximum limitations as high as $3000.00 per person per year. Notably, they do cost more. 

PPO plans also generally come with waiting periods. Though we provide two PPO plans without waiting periods, those would be more costly than one with waiting periods. 

You can see how, depending on the benefits you want, cost will vary. This gives you a general idea of cost as there are missing rating factors to provide a more accurate cost range. 

• Rating factors that may affect the cost of a PPO dental plan include the geographic location of the insured, the age of the insured, the number of individuals being covered, and the level of benefits chosen, such as the annual maximum, deductible, and coinsurance. 

• A maximum limitation is the maximum amount of money that an insurance plan will pay during a specific period, usually a year or a lifetime, for a particular covered benefit or service. In dental insurance, it is the maximum dollar amount an insurance plan will pay for covered dental services per person per year. Once the maximum limitation is reached, the insured is responsible for paying for additional dental services received during that period. 

• A waiting period is the time period during which an insured person must wait before certain dental services or benefits become available under their dental insurance plan. Waiting periods are typically applied to services that are more expensive or complex, such as major dental procedures like root canals, bridges, and crowns. The length of the waiting period varies depending on the dental insurance plan and the specific service or benefit. For example, some plans may have a six-month waiting period for basic services and a 12-month waiting period for major services. Waiting periods are designed to prevent people from signing up for insurance only when they need expensive dental procedures.

Call our member service line at 310-534-3444 if you have any questions about our dental insurance and plan options, as we will be happy to help.