Nobody likes going to the dentist, but it’s even worse if you’re paying completely out of pocket. Dental insurance often covers 100 percent of checkups, cleanings and X-rays, and it lowers your share of spending for treatment of tooth decay or gum disease. There are many types of plans and coverages. Our partners at We researched the best dental insurance in Bakersfield to make your choice easier.
Getting regular, high-quality dental care is an important part of staying healthy. But many Californians don’t go to the dentist for consistent checkups, cleanings and X-rays. One of the reasons: the high cost of services.
Having dental insurance in Bakersfield makes it less expensive to go to the dentist. Policies cover most dental needs, including:
Preventive care (exams, cleanings and X-rays)
Emergency pain relief
Crowns, bridges, inlays
Depending on the type of plan you have, there may be a deductible, restrictions on which dentists you can visit, copayments, coinsurance, an annual maximum benefit and waiting periods before coverage kicks in.
Dental insurance term
The amount you pay out of pocket each year before benefits begin; it may apply to only specific dental services
A fixed payment amount for a service
The percentage of costs you pay for a covered service after the deductible is met
Annual maximum benefit
The capped amount of benefits the insurance company will pay out in a year
The period after enrollment before benefits start; ordinarily doesn’t apply to preventive care
Dental insurance in Bakersfield is just one option for lowering out-of-pocket costs. It’s also worth exploring dental savings plans, which are not the same as dental insurance. You pay a monthly or annual fee and get access to discounted prices at a large network of dentists. You are responsible for 100 percent of the dental bill, but there is no waiting period and no maximum benefit.
How much is dental insurance in Bakersfield?
The cost of dental insurance in Bakersfield depends on your age, whether you use tobacco, the type of plan and level of coverage and whether the plan is for an individual or multiple people.
Monthly individual premiums for a 40-year-old who doesn’t smoke generally cost between $20 and $60 in Bakersfield. For a family of four, the monthly premiums are between $80 and $200.
Dental savings plans are usually cheaper than dental insurance. They start at around $100 annually for an individual and $180 for a family.
Whether you choose dental insurance or a dental savings plan in Bakersfield, be sure to read over the terms carefully before signing up. If you have questions, ask company representatives for clarification. The California Dental Association is a good resource for general advice.
1Dental.com offers two dental discounts plans in Bakersfield. Sign up in five minutes either online or over the phone, and begin saving 15 - 60 percent on services immediately. Applicants with all pre-existing dental conditions are accepted. A vision plan is included with all plans. Reviewers like the customer support from 1Dental.com and say joining is easy.
DentalPlans.com helps Bakersfield customers choose from multiple dental discount plans and save from 10 - 60 percent on most dental procedures at over 100,000 dentists nationwide. There are no health restrictions on signing up and no waiting periods. DentalPlans.com matches competitor prices and lets you switch plans anytime. Reviewers say they’ve saved significantly and recommend the company to others.
UnitedHealthcare is a leading U.S. health insurer that also offers stand-alone dental insurance. Get a quick quote for a policy that fits your needs and budget. Preventive care has no waiting period and no deductible, and basic and major dental services are covered. Bakersfield customers can attach an optional vision benefit. Reviewers are happy paying nothing out of pocket for checkups and cleanings.