Can you confirm if California residents are required to have health insurance in order to get dental coverage?
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Asked May 14, 2012
While some health insurance policies may include dental coverage, health insurance itself is not a requirement for dental or any other type of insurance coverage. And because dental services are typically excluded from health insurance, it is not uncommon for someone to own separate policies to handle the medical and dental care independently. Either way, you can purchase dental insurance without being insured for health coverage in California or any other state in the country.
Dental insurance and prescriptions are two areas where health insurance often falls short. Because of this, it is common for someone with health insurance to also carry insurance for their prescriptions and dental needs. This type of dual coverage is not required by the health insurance plan or even influenced by it beyond filling in portions that the health insurance leaves out. Canceling the health policy would not affect the dental coverage, nor would canceling the dental have any impact on the health coverage.
On the other hand, if you are thinking about purchasing a health insurance plan, make sure to familiarize yourself with the types of health insurance available to you. Health insurance plans differ widely, so make sure that you are using free online quotes which compare similar policies. Similarly, consider the differences in types of health insurance carefully, and pick a plan that fits your individual needs. The primary consideration is that not having adequate health insurance can cost you a lot, and to make sure your financial stability will not be threatened by illness.
Answered May 14, 2012 by Anonymous