Does California require dental insurance? Will I be fined for not buying? Can I get dental insurance in Covered California? Are there subsidies?
Does California require dental insurance?
Dental insurance in California is not mandatory, you can choose to buy it or not to buy it according to your needs.
Can I get dental insurance in Covered California? Are there subsidies?
The Covered California dental plan provides comprehensive dental coverage for adults and children. Generally speaking, Covered California dental insurance covers the whole family. In standard dental insurance, children are also covered, enjoying various coverages. If you want to do simple tooth cleaning or do root crowns, dental implants, X-rays, etc., Covered California’s dental insurance can cover part of it.
For Covered California family dental insurance, the following groups of people are covered by the whole family policy:
1. Adults: All adults 19 and older who are enrolled in a Covered California health policy are eligible for home dental coverage;
2. Spouse: If you only want to buy dental insurance for your spouse, you are free to opt-in and choose the appropriate policy.
3. Your child: If at least one adult in the household is already enrolled in a health plan, the policyholder’s child may also enroll in any family dental coverage.
4. Exception: Individuals who are currently enrolled in Medi-cal are not eligible for any home dental policy offered by Covered California.
It’s worth noting that you can’t buy home dental insurance on its own. Before purchasing dental insurance, you must be enrolled in a health insurance plan through Covered California.
Depending on your family size and income level, you may be eligible for a portion of the cost assistance when you purchase Covered California. But you need to check with your insurance agent for details.
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