Individual Dental Insurance

Regular oral care can help prevent diseases and affect overall quality of life. People with dental insurance are much more likely to visit their dentist on a routine basis and receive consistent care. Our agent can help you choose an individual dental plan so you can get the ongoing care you need.

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Premiums are calculated based on the applicant's birthday and postal code

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For insurance coverage in California

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Oral health and individual dental plan needs vary according to age. For example, people in the 20 to 39 age group have fewer dental problems, while people ages 40 to 59 are more likely to need restorative procedures, such as root canals and crowns. In evaluating a dental plan, it is wise to consider:
How many dentists are in the network? Dentists who participate in networks accept lower fees.
Does the plan encourage preventative care? Preventative care reduces long-term dental costs and impacts overall healthcare costs.
How quickly are calls answered, claims paid, and problems resolved? You want to have confidence in the quality of service your plan provides.
Does the plan offer enhanced benefits for people with medical conditions? Many carriers offer enhanced benefits for little or no additional cost to people with health conditions such as diabetes, cardiac disease, and pregnancy.
Individual dental insurance premiums vary widely depending on the type of plan you choose – HMO (with a more restrictive network), PPO (you can use a non-network dentist but pay more out of pocket), or indemnity (you choose your dentist, pay upfront, submit a claim, and wait for reimbursement). A Spectrum Benefits agent can help you find a plan that fits your budget and provides the best benefits for you and your family.

Our Services

Insurance Policy Assistance

Questions about your insurance policy? Feel free to reach out to us and we’ll help you navigate your healthcare options.
Free Quotes

We’ll help you narrow down a selection of relevant plans for you to compare.
Medical Bill Tracking Support

We can help you address any issues with Tracking Medical Bills
Update Insurance Information

We can help you update your infromation and change your Primary Care Physician and Medical Network