How Much Does Dental Insurance Cost in Long Beach, CA?
Long Beach pricing is 35% above the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Long Beach's diversified economy.See our methodology
Dental Insurance Pricing in Long Beach, CA
Long Beach is a high-cost market where dental insurance runs about 35% above the national average. The city's diversified economy supports higher wages, which translates to elevated contractor rates. With a population of 465K, competition among providers exists but demand keeps prices firm.
Local climate plays a direct role in dental insurance costs here. Varied climate depending on location; earthquake considerations in some areas.
Market-specific factors matter in Long Beach: higher cost of living in coastal areas; more affordable inland.
Long Beach has moderate permitting requirements. Depending on the scope of your dental insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Long Beach vs National Average
What Affects Dental Insurance Cost in Long Beach?
Plan Type
DHMO: $15-$25/month (limited network). PPO: $25-$60/month (more flexibility)
Coverage
Preventive: 100%. Basic (fillings): 70-80%. Major (crowns): 50%. Annual max: $1,000-$2,000
Long Beach Market Conditions
higher cost of living in coastal areas; more affordable inland
Local Climate Impact
varied climate depending on location; earthquake considerations in some areas
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Top-Rated Dental Insurance Pros in Long Beach, CA
5 providersSummit Plumbing
🏆 SPONSOREDServing Long Beach and surrounding areas since 2019. Licensed, insured, and committed to quality workmanship at fair prices.
Heritage Roofing & Siding
⭐ PREMIUMServing Long Beach and surrounding areas since 2001. Licensed, insured, and committed to quality workmanship at fair prices.
Apex Contractors
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Tips to Save on Dental Insurance in Long Beach
- 1.Preventive care is usually covered at 100% — use all your cleanings
- 2.Dental discount plans ($100-$200/year) can be cheaper than insurance for healthy teeth
- 3.If you need major work, buy insurance now — but note the 6-12 month waiting period
- 4.Max out your annual benefit before year-end if you need work done
📈 Dental Insurance in Long Beach Cost Trends (2020–2024)
Prices have increased +17.5% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $40 | — |
| 2021 | $42 | +5.0% |
| 2022 | $45 | +7.1% |
| 2023 | $46 | +2.2% |
| 2024 | $47 | +2.2% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Dental Insurance in Long Beach
Recent Reports
Frequently Asked Questions
Is dental insurance worth it?
If you use your two annual cleanings and need occasional fillings, insurance usually saves money. For major work, the annual maximum ($1,000-$2,000) limits the benefit.
Why does dental insurance cost different in Long Beach than other cities?
Long Beach's costs reflect local labor rates driven by the diversified economy, varied climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
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