Employee and Dependent Choice
Employees can pick a dental insurance plan for themselves and their dependents through the CCSB application.
Dental Plans for Small Businesses
Offer dental insurance to your employees and their dependents through Covered California for Small Business — available alongside or separate from your health plan selection.
How Dental Coverage Works Through CCSB
Dental insurance through CCSB is a separate decision from health insurance — and a valuable one. When you offer dental, your employees can choose a dental insurance plan for themselves and their dependents directly through the CCSB application.
Dental plans are available alongside health plan options but are evaluated and selected independently. You can offer dental insurance to your employees whether or not you change your health plan selection.
If you choose to offer dental, you'll need to select a reference plan — the plan used to calculate your contribution toward employee premiums. Employer contribution toward dental premiums is optional and not required for coverage.
Available Dental Insurance
CCSB offers Delta Dental of California dental plans, with HMO and PPO options available for employees and their dependents. Delta Dental provides access to a broad network of dentists focused on preventive care and oral health.
What to Consider
Before offering dental plans to your employees, review these key factors to find the right fit for your business.
Plan Types – HMO and PPO
Dental plans are available in HMO and PPO formats, with options for children only or the full family. HMO plans typically have lower premiums with a network of assigned dentists, while PPO plans offer more provider flexibility.
Benefits, Limitations and Exclusions
Review plan documents to understand what dental services are covered, what restrictions apply and what services are not included. This helps employers and employees understand what to expect from their dental coverage.
Benefits, Limitations and Exclusions
CCSB provides a summary of what dental services are covered by your plan and any restrictions or services that are not included. Review them before selecting or offering insurance so you and your employees know what to expect.