Dental Insurance – HMO or PPO

It is tough to find good Individual Dental Insurance.
We have shopped and in our professional opinion feel that
Liberty Dental HMO and Delta Dental PPO are the best valued options available.
if you are shopping for  Dental Insurance  in Oceanside, Carlsbad, Vista
or other cities in Southern California, please see below.
For Help with your Dental Insurance  call Heather Gray at 1-619-933-9517.

HMO – Liberty Dental Plan

  • No deductibles 
  • No annual maximums
  • No waiting periods
  • No Pre-existing conditions
  • Large HMO Dental Network
  • $0 –  Oral Examinations
  • $0 – Annual x-rays
  • $0 – Amalgam ( silver ) fillings
  • $125 Root Canal – bicuspid
  • $225 – Crown
  • $260 – Dentures Complete
  • $265 – Root Canal, molar 

Monthly rates –
(include a one time $17 Enrollment Fee )

Individual – $32
Two party – $49
Family – $60

To sign up:

Liberty Dental Enrollment kit – Click Here

Liberty Dental Provider List – Click Here

Liberty Dental Benefits Flyer – Click Here

PPO – Delta Dental Insurance

  • minimum of 6 month waiting period for something major
  • maximum of $1,000, $1,500, $2000 of work done per year ( depending on plan)
  • larger Dentist network

Diamond Plan- $56.07 per person
Plan Maximum:  $2,000 Per Person Per Calendar Year/$1,500 Lifetime Ortho Max
Deductible: $150 lifetime deductible for Ortho
Office Co Pay: $25 Copay Per Person Per Visit

Platinum Plan – $52.01 per person
Plan Maximum:  $1,500 Per Person Per Calendar Year/$1,500 Lifetime Ortho Max
Deductible: $50 per person per calendar year. Separate $100 lifetime for Orthodontic Procedures
Office Co Pay: N/A

Gold – $51.36  per person
Plan Maximum:  $1000 Per Person Per Calendar Year
Deductible: $50 per person per calendar year
Office Co Pay: N/A

Online Application –

  • Click on this link..
  • put in your zip code
  • scroll down to the 5 or 6 different  Delta Dental PPO options.


Just Us Insurance is located in Oceanside.

To assist you , our Agents offer in home appointments in
Oceanside, Carlsbad, Vista, San Marcos, Escondido, Temecula,
Murrieta, Santee, El Cajon, San Clement, Mission Viejo, and Big Bear Lake.
Just Us Insurance operates in San Diego, Riverside, Orange and San Bernardino Counties.