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Topics of interest to both consumers and agents related to Covered California and the ACA biased in favor of the successful implementation of the Exchange and deliberately apolitical.


Covered California Dental Plans

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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.

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