Skip to main content

Dental Insurance in California

Find Out How Affordable Dental Care Benefits Your Health

Smile with Affordable Dental Insurance in California

Dental work can sometimes feel out of reach financially for many Californians. However, with affordable dental insurance, you can still keep a healthy smile without breaking the bank. Cost-U-Less Insurance partners with Aflac to help people obtain dental care and maintain their smiles in the Golden State.

Ensuring you get top care for your oral health is easy and affordable with the right dental coverage.

At Cost-U-Less, you will find dental plans to fit every budget. There’s no need to neglect those pearly whites when you can take advantage of the many services provided, including major dental treatments, routine check-ups, cleanings, fillings, or crowns, we’re here to save you money and keep you healthy.

You can get an affordable, quick, no-obligation quote by calling us at 800-390-4071. We can help you find both dental and health plans in the state.

African American dentist examines a patient’s teeth.

How Much Does Dental Coverage Cost in CA?

Dental insurance varies in cost depending on the tier level you choose, how many people you want to cover, and where you live in California. The average cost of dental insurance in California is $27.80 per month.

However, it’s going to be less costly than paying dental bills out of your pocket. Maintaining proper dental hygiene and care can be expensive without a dental insurance plan in place. Your overall health may also suffer if you neglect your dental health.

What Is Dental Insurance?

It’s a plan that covers your oral hygiene and health. It’s similar to other forms of insurance in that you pay a monthly premium with coinsurance or deductibles. With an insurance plan, you can take care of your dental needs and not allow problems to pile up.

Dental Insurance FAQ

Get answers to common dental insurance questions.

Dental Benefits and Eligibility Requirements

You and your loved ones can have a bright smile and healthy oral hygiene. One of the key components of that is finding affordable dental coverage in California. With a dental plan, you can rest easy knowing your oral health will get TLC.

Participants can select from three plan options: Basic, Core and Elite. Eligibility extends to all of your dependents under the age of 26, too. So, your children can obtain the best care for their teeth.

To sum up, dental plan participants can receive coverage for themselves, their spouses, and their children.

With our dental coverage:

  • Preventative care is available as soon as you get your dental coverage. No need to endure long wait times that are common for new patients.
  • There’s no underwriting involved. So, you won’t have to fill out extensive paperwork, answer a bunch of questions, or pass a health exam.
  • There’s no age limit for obtaining a dental plan.
  • There’s no charge for the application.
  • There’s a guarantee you’ll be accepted for a dental health plan.

Glossary of Insurance Definitions

Get explanations for terms relating to insurance

What Is Covered by an Insurance Dental Program?

People can experience a range of issues regarding their teeth and oral health. Obtaining a dental plan can offset the cost of care. Dental health care can be divided into three categories:

1. Maintenance Care

This type of dentistry consists of the preventative and maintenance care you need. Examples include:

  • Cleanings
  • X-rays
  • Consultations/assessments
  • Treatment plan management

2. Restorative Procedures

When a dental problem arises, you’ll need to have some type of procedure to correct it. Some of these procedures include the following:

  • Cavity fillings
  • Root canals
  • Crowns
  • Partial dentures
  • Bridges

3. Emergency Issues

You never know when an emergency dental issue will come up. You may need emergency surgery due to a vehicle accident that damages the mouth and teeth. You could also get a horrible toothache leading to an extraction. These are just some examples of emergency procedures that must be taken care of.

Small child at the dental office receiving dental care.

Choose the Dental Plan That Fits Your Family

There are three dental coverage plans that you and your family can select from in California: Basic, Core and Elite.

Scroll for more
Basic Plan Core Plan Elite Plan
Your deductible will decrease from year to year until the third year Your deductible will decrease from year to year until the third year Your deductible will decrease from year to year until the third year
You’ll have an increase in your annual maximum every year through the third year You’ll have an increase in your annual maximum every year through the third year You’ll have an increase in your annual maximum every year through the third year
You’ll be able to have preventative dental exams every 5 months You’ll be able to have preventative dental exams every 5 months You’ll be able to have preventative dental exams every 5 months
Amount customer pays for Basic Services decreases after Year 1 Amount customer pays for Basic and Major Services decreases through third policy year
Only 9 month waiting period for Major Services

Add Vision and Hearing for More Savings

With the Aflac Core and Elite dental plans, you can add vision and hearing plans. These plans include annual vision exams with a $10 copay and a $75 reimbursement for an annual hearing exam with no waiting period. You can receive an annual allowance for frames and contact lenses, as well as hearing aids and repair with a waiting period.

The hearing benefit does include a $25 deductible.

Get Help Choosing Insurance Coverage

Why Should I Get Regular Dental Care in California?

Regular dental health care is also linked to better overall health for people. People who do not take care of their oral hygiene have a higher buildup of bacteria, resulting in gum disease. This can lead to other medical conditions, such as:

  • Endocarditis
  • Cardiovascular disease
  • Pregnancy and birth complications.
  • Pneumonia
  • Rheumatoid arthritis
  • Alzheimer’s
  • Dementia

In addition, if you already have diabetes, it can pose a cycle of problems with oral health. Diabetes exacerbates periodontal disease, which in turn, makes diabetes worse. So, having dental insurance ensures you stay on top of your dental health issues.

Find Affordable California Dental Insurance Today!

Aflac simplifies obtaining affordable insurance in California. The sign-up process is quick and easy. There are no long wait times or approvals required. Just get in touch with Cost-U-Less Insurance today and an agent will give you a free quote.

You can start with a cheap dental health plan by connecting with Cost-U-Less insurance. Call 866-408-7659 to start the sign-up process. Our friendly representatives will discuss the various plans available in California and assist you in signing up for the best plan.