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A dental discount plan, also known as a referral plan, is a membership-based discount plan for dental health maintenance and intervention.In it, the patient pays the entire cost of a rate negotiated between the dentist and the referring company, usually between 10-60% of normal cost.
Dental insurance companies divide benefits, services, or procedures into categories and refer to them with American Dental Association (ADA) 3-4 digit code. As an example, Preventive and Diagnostic procedures often include exams (ADA code 0120), x-rays (ADA code 0210), and basic cleanings or prophylaxis (ADA code 1110).
Of the 5.4 million Californians who gained health insurance coverage during this period, 1.4 million received coverage through Covered California, and 4.1 million received coverage from the expansion of Medi-Cal. [30] The number of individuals covered through the exchange has not increased significantly from the 1.4 million who enrolled during ...
The California Medical Assistance Program (Medi-Cal or MediCal) is the California implementation of the federal Medicaid program serving low-income individuals, including families, seniors, persons with disabilities, children in foster care, pregnant women, and childless adults with incomes below 138% of federal poverty level.
The plans cover ranges from 60% to 90% of bills in increments of 10% for each plan. For those under 30 (and those with a hardship exemption), a fifth "catastrophic" tier is also available, with very high deductibles. [81] Insurance companies select the doctors and hospitals that are "in-network". [clarification needed] [82]
Dental insurance helps pay for the cost of necessary dental care. Few medical expense plans include coverage for dental expenses. About 97% of dental benefits in the United States is provided through separate policies from carriers—both stand-alone and medical affiliates—that specialize in this coverage.
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