Premier Access Dental Insurance

Premier Access is based in Sacramento and provides health insurance, including medical and vision, in addition to dental, across the United States. They provide individual dental insurance through an HMO plan, workplace insurance using the PPO or HMO options and coverage for children and teenagers via Covered California (part of the Affordable Care Act).

Premier Access Individual Dental Insurance

Premier Access individual dental insurance coverage operates under the HMO method. The Sacramento Dentistry Group is part of their network. Coverage for dental services requires a copayment, but you usually have no additional costs. The Premier Access HMO dental plan has four different levels of coverage, with copayments of higher or lower amounts required at each level.

Premier Access Company Dental Insurance

For companies, Premier Access offers five different dental insurance options:

  • PPO Plan — employees select their own Sacramento dentist, but will save money if they choose from the Premier Access network.
  • DHMO Plan — employees select a Sacramento dentist from the Premier Access network, much like the individual plan.
  • Premier Advantage — workers can choose from either the PPO or the DHMO plan from month to month, based on their dental care needs.
  • Plus Plans — works like a PPO, but with lower monthly premiums. Costs for services may be higher.
  • Dual Option — employers can offer a choice of plans or offer high/low plans with the level of service adjusted by premium costs.

Compared to other business dental insurers, Premier Access offers many options for companies to choose from for their employees.

Premier Access Covered California

This dental insurance is only for children under nineteen years of age. You can choose from the DHMO or PPO options and there are high and low options for both plan types. Under the PPO plan, parents pay a specific percentage of dental services provided. Under the DHMO plan, parents pay a specific cost for available dental procedures.