Dental Insurance

Wish it covered more costs but that’s typical of health insurance in CA

dental insurance is comparable to industry average

Good dental insurance options offered

Average coverage still end up paying for high price items

Dental insurance seems to cover all the basic items needed.

You choose the single or family option. It's interesting how HDR sets it up - everyone pays one flat monthly cost (e.g., for family it's $21.70/month), then there's a "cost sharing" multiplier based on your salary (multiplier is 0.145% as of 2018). That way everyone pays their fair share and people with lower salaries are unduly burdened by the shared costs. Preventative costs are free (two exams/cleanings per year, one of which includes x-rays, plus additional things for kids like fluoride and sealants). Other items have reasonable (low) costs. They are divided into Type B (Maintenance Services), which are covered at 80% after deductible is met - these include extractions, root canals, fillings, etc.; Type C (Restorative Services), which are covered at 50% after deductible is met - these include crowns, bridges, dentures, replacement of prosthetics once every five years, etc.; and Type D (Orthodontic Services), which are also covered at 50% after deductible is met - things like braces.

Check ups every 6 months. Nothing else.

Normal coverage, nothing extraordinary. Easily available providers.