Todo sobre Seguro Dental en California


Todo sobre Seguro Dental en California

Que necesitas saber acerca del seguro dental

Seguros dentales de California

El seguro dental en California le protegerá de cualquier gasto dental ya sea emergencias inesperadas o servicios de rutina. Cuando usted tiene una cobertura dental tiene la oportunidad de tener acceso a servicios preventivos, limpiezas, rayos x, y muchos otros tratamientos de rutina, necesarios para mantener la salud de su boca en optimas condiciones.

Si usted ya cuenta con un seguro médico, entonces ya tienes una idea bastante clara como funciona el seguro dental. Explicado de manera sencilla el seguro dental le ofrece muchos beneficios por una cantidad de dinero contratada o copago. Hay una gran variedad de planes en el Mercado. Todos ofrecen diferentes niveles de cobertura y una gran cantidad de dentistas que usted puede escoger al momento de hacer una consulta.

Diferentes tipos de Seguros de Dentales

A continuación te ofrecemos una breve explicación de los diferentes tipos de coberturas que usted puede escoger.

Organización de Proveedores Preferentes (PPO, por sus siglas en inglés) este es el mas popular de los seguros dentales ya que el asegurado tiene mas opciones de dentistas, no necesita referido para los dentistas y especialistas.

Organización para el Mantenimiento de la Salud Dental (DHMO, por sus siglas en inglés) oson muy usados ya este tipo de cobertura se enfoca en el mantenimiento de la salud. Solo podrá ver doctores dentro de la red de dentistas. Usted, el asegurado paga menos cuando consulta a un dentista ya que cuenta con copagos para sus servicios.

Proveedores de Servicios Dentales (DPO, por sus siglas en inglés), planes dentales de descuentos son la forma mas simple de cobertura ya que usted pagara un bajo costo mensual y recibirá descuentos en sus procedimientos al momento que realice sus servicios.

Cuales son las diferencias entre los seguros dentales en California:

  • oportunidad de escoger entre planes de seguro dental PPO o HMO
  • la cantidad y elección de dentistas en su area
  • copagos y gastos de bolsillo
  • la forma de pago para los tratamientos dentales que usted va a necesitar

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