California Health Care

If looking at your dental policy overwhelms you, you’ve come to the right place. We understand that dental insurance terminology can be confusing. That’s why we’ve compiled a list of basic terms so you can feel more confident about your coverage and make informed decisions.

The following basic terms are essential to understanding your dental insurance and its benefits:

Most dental plans follow a payment structure to determine how much to cover for specific services. The following information gives you an idea of what to expect:

Many types of dental plans are available in California, whether you want to supplement your health insurance or purchase a stand-alone plan. At Health for California, our agents can help you select a dental insurance plan that best meets your needs and budget. All you have to do is call us — we’re excited to help.

If you’re ready to explore dental coverage options, use our simple online application to shop for plans.

In short, yes — the Affordable Care Act (ACA) does cover mental health insurance. This act ensures your individual mental health is considered just as important as your physical health and your treatments can be covered under the same plan. Continue reading to learn more about the ACA and mental health insurance.

The ACA is a law that reduces national health care costs for patients across the United States. It is commonly referred to as the Affordable Care Act, but you may have heard it called the Patient Protection and Affordable Care Act (PPACA) or Obamacare.

The ACA traditionally covers everything from hospitalization services, prescription medications and maternity support to laboratory services and mental health care. ACA plans can also cover mental health and substance use disorders and treatment.

With the ACA in place, those experiencing mental health or substance use disorders can:

Every health insurance plan is different but often covers some of the same treatments, like inpa...

Depending on the policy, your dental plan may provide partial payment for dental implants. Otherwise, most plans cover some or all of the costs related to medically necessary dental care — which may not include implants.

A dental implant is a surgical procedure that involves replacing a missing tooth with an artificial root and crown. It can be used as an alternative to dentures or bridges. The entire procedure, including consultations and follow-up exams, typically occurs in phases over several months.

Getting a dental implant, or multiple implants, can be a costly procedure. It involves more than just the placement of an artificial tooth. You’ll need to pay for each component that makes up the entire tooth, including the post, abutment, crown and related labor. All that considered, expect to pay around $3,000 to $7,000 for a single-tooth implant procedure.

A tooth implant may also come with other expenses, like those related to a consultation and X-rays. Some patients need CT scans...

Dental emergencies can happen anytime and often when we least expect them. Treating them can be expensive, which is why having a comprehensive dental insurance plan is essential to minimize the financial burden. The right dental plan can alleviate stress and get you the care you need in an emergency.

Call your dentist immediately if you’re experiencing severe pain, swelling, bleeding or a fever. If your problem isn’t as urgent or you want to prepare for future emergencies, read our tips below. We’ll cover how to manage the most common injuries and check your insurance plan so you don’t end up paying all the fees yourself.

A dental emergency involves any complications with your teeth and mouth area that will result in death or severe pain. It can also include less life-threatening issues, such as any problems that will make you sick, stop you from eating or alter your appearance.

There are three main types of dental emergencies:

If you are experiencing mild tooth pain, a small c...

Your vision is essential to your overall well-being and can give clues about your physical health. For example, during an eye exam, the doctor might spot signs of conditions like diabetes or high cholesterol.

Considering your vision is vital, you think it’d be covered by your health insurance plan, right? In some cases, it is. However, most standard health insurance policies do not cover routine eye exams.

Every health plan is different. The best way to know if you have vision coverage is to review your health policy’s Summary of Benefits and Coverage (SBC). You should be able to find your plan’s SBC by visiting its website. If you have any questions about your Covered California plan or where to find your SBC, our representatives can help.

Your medical insurance may provide eye care coverage if any of the following apply:

It’s important to note that health insurance plans typically cover ophthalmology services. Ophthalmology deals with diagnosing and treating eye disorders —...

Dental insurance is a great option for avoiding high costs when unforeseen dental issues arise, ranging from oral surgery to simple tooth extractions. Even so, dental insurance plans operate differently from other insurance types because it has a waiting period. You may have to wait a few months before you can access your benefits.

Fortunately, there are affordable dental insurance plans with no waiting periods to minimize your out-of-pocket fees. This guide explores how you can find the best immediate coverage options in California at an affordable price.

A dental insurance waiting period is the period of time from when you sign up for a policy until the insurance company begins paying for your covered services. This waiting period may range from a month to almost a year. Those seeking dental insurance typically need to wait until the waiting period is over to receive coverage, or they may receive dental services and pay for it out of pocket during this time.

The length of dental insura...

When the COVID-19 pandemic began, California saw a significant increase in patients seeking telemedicine due to social distancing regulations. While demand has decreased since early 2020, telemedicine is still prevalent throughout California, making it an essential part of the health care delivery system.

We’ve compiled a list of common questions about telemedicine and its coverage in California so you can decide if it’s right for you.

Telemedicine refers to the delivery of health care services remotely through video calls, phone calls or messaging. With telemedicine, patients can book virtual appointments with health care providers to receive medical diagnoses and treatment for non-life-threatening conditions. This service allows patients to receive care when they aren’t willing or able to meet in person.

There are two categories of telemedicine.

Anyone can use telemedicine, but it is especially beneficial for people who:

Telemedicine is a convenient solution for various forms of ca...

While the first documented use of telehealth was in the late 1950s, the demand for and access to online services have skyrocketed since 2020. Many more people choose to see their doctor and receive medical services online instead of in person. Using technology for health care has many benefits for patients and providers.

Telehealth, telemedicine and telecare aren’t synonymous terms, and you should learn the difference so you can understand what your health care options include. Here’s what you need to know.

No, these terms mean two different things. However, telehealth includes telemedicine as part of its definition.

Though these two definitions may sound similar, telehealth covers a broader spectrum of health care than telemedicine. You should understand the difference because your insurance may cover some aspects of telehealth but not others.

Here are some examples of how telehealth and telemedicine look in practice.

Any health care activity you can complete online is a form of tel...

Health goes beyond your physical body. Your mental well-being plays a critical role in your overall health. Insurance companies haven’t always seen it that way, historically providing better coverage for physical conditions than mental health disorders. That is no longer the case.

A 2008 federal law known as the Mental Health Parity Law requires insurers to cover mental, behavioral and substance use disorder services. Let’s explore how this law and other factors influence your mental health insurance coverage.

Commonly referred to as the federal parity law, the Mental Health Parity Law regulates insurance companies to ensure mental health and substance use benefits are not more restrictive than medical and surgical coverage.

Parity protections apply to:

Does your insurance cover therapy services, counseling, anxiety treatment and other mental health treatments? The Mental Health Parity Law does not mandate that insurers include mental health services in their coverage. It simply enforc...

Your Medicare or insurance card proves that you have health care coverage and is one of the many important documents you own. Before receiving any medical treatment, you’ll likely have to show your card to prove you have coverage. However, your card may become lost, stolen or misplaced. Luckily, you can easily replace these cards to continue taking advantage of your coverage plan.

You have several options when it comes to replacing a Medicare card. You can request or print a new copy from your Medicare account online or contact Medicare for more help. You’ll need the following information available:

If you have Medicare coverage through a specific Medicare Advantage plan, you must call your plan carrier to ask for a replacement.

After you request your replacement, the Medicare office will mail your card. It should arrive within 30 days. If you need a new card sooner, such as for a doctor’s appointment or to fill a prescription, you can print a temporary copy at home to serve a...