Covered California announced its selection of pediatric dental health plans. The six selected companies: Anthem, Blue Shield, Delta Dental, Health Net, LIBERTY Dental, and Premier Access Dental. Nine stand-alone plans are offered, but all can be bundled with health insurance for a single premium. Health Net Dental is available only when bundled with a health plan.
Three different product types are available, depending on where the child lives: dental health maintenance organizations (DHMOs), dental preferred provider organizations (DPPOs) and dental exclusive provider organizations (DEPOs). Stand-alone plan premiums range from less than $10 a month for an HMO plan in some areas to about $30 a month for a DPPO.
Unlike Covered California’s health insurance plans, dental plans are not designated by metal levels, but come in two actuarial value options: 85 percent, which features higher premiums but lower average out-of-pocket costs; and a 70-percent value plan, with lower premiums and higher average out-of-pocket costs.