California’s dental insurance plans are expensive and out of reach for many Californians.
That’s because, according to a report published by the California Dental Association, the state’s health care systems aren’t equipped to provide dental coverage to all Californians, leaving those with limited income or who are in households where the elderly or disabled are living in a financial disadvantage.
The report, which examined the dental insurance rates in 30 California counties, found that in the past year, a single dental plan for a household with one person in the family earning less than $25,000 annually was more than double the rate for a similar plan for the same family with two people earning less.
The new study is the latest in a series that have highlighted the high cost of dental care and the lack of dental coverage for millions of Californians who live paycheck to paycheck.
But the most recent study, published in the Journal of the American Dental Academy, is the first to examine the cost of car insurance for Californians and to compare the costs of different types of car coverage in different California counties.
“Our goal was to find the most affordable and effective ways to provide affordable and affordable dental care to all of our residents, regardless of their income level or health status,” said Jennifer A. St. Louis, president of the California Department of Insurance, in a statement.
“We’ve found that many of the cheapest plans are the least affordable, and we have also found that the best solutions to our needs are not the cheapest options.”
While the cost is significantly higher than the other health care options, car insurance in California is affordable.
The average monthly premium for a car insurance policy in California was $1,068 for 2017, according the study.
While the average premium for the average California dental care plan was $400 for 2017 — $1.07 more than the $399 average premium the average dental care policy in the rest of the country pays.
While California doesn’t offer any sort of state-mandated coverage for dental care, the lack in dental insurance is largely due to the fact that the state does not have a universal coverage program.
A universal dental care program, as is the case in the United Kingdom, requires all Californian residents to have dental insurance and would also cover dental care for adults without coverage through their employer or a public program.
“The current state dental plan is not universal, meaning that individuals who do not qualify for dental insurance or who have limited income would be left out of the pool of eligible dental patients,” the report said.
For example, the study found that “people with a high income could not receive dental care because they did not qualify under state-funded dental coverage, which would mean that they would have to pay more than what is required by California law.”
That leaves millions of Americans without dental insurance coverage, and many of those residents with limited incomes would likely end up with higher out-of-pocket costs than the insured residents in California.
“Many Californians living paycheck to paycheck are still stuck with unaffordable dental care,” the study said.
“It is a clear indicator of the state of our health care system, with no universal dental coverage available.”