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KCAL Insurance Agency

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Vision Insurance

Adults aged 19 and older can purchase separate vision care plans aside from their medical insurance. The plans are available to enroll year-round and cater to various needs. With premiums under a dollar per day, the plans cover preventive exams, frames, glasses, contact lenses, and more.

Dental Insurance

Adults aged 19 and older can purchase separate dental care plans aside from their medical insurance. The plans are available to enroll year-round and cater to various oral health needs. With affordable premiums, these plans cover preventive exams, cleaning, orthodontics, crowns, bridges, deep cleaning, extractions, and more.

Trusted Insurance Providers and Quality Plans for You

At KCAL Insurance Agency, we understand the importance of maintaining your dental and vision health. We offer a wide range of dental and vision plans through two leading national insurers, Blue Shield of California and Anthem Blue Cross. Our plans cover everything from preventive care to complex treatments, accommodating various budgets to ensure you receive the best oral and vision care with confidence.

  • Anthem Blue Cross
  • Blue Shield of California

Dental Insurance Plans

Click "Learn More" to explore in-network pricing, benefits, and actual coverage. Coverage is based on the policy and underwriting.

  • Dental Plans
    Blue Shield of California PPO
    Monthly Cost
    $43.50 (Ages 0 - 25)
    $51.40 (Age 26+)
    Individual Deductible
    $50
    Annual Maximum
    $1,000
    Exams, X-rays, and Basic Cleanings
    $0
    Fillings (3 Months Waiting Period)
    Covered
    Root Canals, Crowns, Bridges (3/6/12 Months Waiting Period)
    Covered
    Orthodontics
    $2,350 (Adolescent) $2,650 (Adult) *Your responsibility: One course of treatment per lifetime. The course of treatment must be received in a 24 consecutive month period.
  • Dental Plans
    Blue Cross PPO Bronze
    Monthly Cost
    $25.20 (Ages 0 - 64)
    $28.25 (Age 65+)
    Individual Deductible
    $50
    Annual Maximum
    $1,000
    Exams, X-rays, and Basic Cleanings
    $0
    Fillings (3 Months Waiting Period)
    50%
    Root Canals, Crowns, Bridges (3/6/12 Months Waiting Period)
    Not Covered
    Orthodontics
    Not Covered
  • Dental Plans
    Blue Cross PPO Silver
    Monthly Cost
    $39.75 (Ages 0 - 64)
    $44.55 (Age 65+)
    Individual Deductible
    $50
    Annual Maximum
    $1,000
    Exams, X-rays, and Basic Cleanings
    $0
    Fillings (3 Months Waiting Period)
    50%
    Root Canals, Crowns, Bridges (3/6/12 Months Waiting Period)
    50%
    Orthodontics
    Not Covered
  • Dental Plans
    Blue Cross PPO Gold
    Monthly Cost
    $50.75 (Ages 0 - 64)
    $56.85 (Age 65+)
    Individual Deductible
    $50
    Annual Maximum
    $1,500
    Exams, X-rays, and Basic Cleanings
    $0
    Fillings (3 Months Waiting Period)
    20%
    Root Canals, Crowns, Bridges (3/6/12 Months Waiting Period)
    50%
    Orthodontics
    Not Covered
  • Dental Plans
    Blue Cross PPO Platinum
    Monthly Cost
    $60.50 (Ages 0 - 64)
    $67.80 (Age 65+)
    Individual Deductible
    $50
    Annual Maximum
    $2,000
    Exams, X-rays, and Basic Cleanings
    $0
    Fillings (3 Months Waiting Period)
    20%
    Root Canals, Crowns, Bridges (3/6/12 Months Waiting Period)
    50%
    Orthodontics
    Available for individuals under 19 only. After a $150 deductible, a 50% coinsurance applies. 12-month waiting period Annual benefit maximum is $500, Lifetime benefit maximum is $1,000.
  • Dental Plans
    Blue Cross PPO Incentive
    Monthly Cost
    $57.75 (Ages 0 - 64)
    $64.70 (Age 65+)
    Individual Deductible
    $50
    Annual Maximum
    $2,500
    Exams, X-rays, and Basic Cleanings
    $0
    Fillings (3 Months Waiting Period)
    40% (No Waiting Period)
    Root Canals, Crowns, Bridges (3/6/12 Months Waiting Period)
    70% (No Waiting Period)
    Orthodontics
    Available for individuals under 19 only. After a $150 deductible, a 50% coinsurance applies. Annual benefit maximum is $500, Lifetime benefit maximum is $1,000.

*The incentive program rewards policyholders for completing annual preventive dental check-ups. This can help lower the coinsurance rate for the following year. For complete details, please refer to the policy and actual treatment guidelines. The information above provides a basic overview of benefits. For detailed coverage and actual terms, please review the policy carefully. Note that some benefits may have waiting periods, and using in-network doctors and hospitals will help you secure the best pricing.

Vision Insurance Plans

Click "Learn More" to explore in-network pricing, benefits, and actual coverage. Coverage is based on the policy and underwriting.

  • Vision Plans
    Blue Cross Progressive Preferred
    Monthly Cost
    $24.93
    Eye Exam Copay
    $10
    Eyeglass Lenses Copay *Cost-sharing may vary depending on the lens material. Please refer to the benefit details.
    $10
    Eyeglass Frames Copay (Maximum Allowance)
    $150
    Contact Lenses (Maximum Allowance)
    $150
  • Vision Plans
    Blue Cross Progressive Select
    Monthly Cost
    $22.30
    Eye Exam Copay
    $10
    Eyeglass Lenses Copay *Cost-sharing may vary depending on the lens material. Please refer to the benefit details.
    $20
    Eyeglass Frames Copay (Maximum Allowance)
    $130
    Contact Lenses (Maximum Allowance)
    $130
  • Vision Plans
    Blue Cross Vision Premier
    Monthly Cost
    $23.19
    Eye Exam Copay
    $10
    Eyeglass Lenses Copay *Cost-sharing may vary depending on the lens material. Please refer to the benefit details.
    $20
    Eyeglass Frames Copay (Maximum Allowance)
    $180
    Contact Lenses (Maximum Allowance)
    $180
  • Vision Plans
    Blue Cross Vison Ultra
    Monthly Cost
    $25.66
    Eye Exam Copay
    $10
    Eyeglass Lenses Copay *Cost-sharing may vary depending on the lens material. Please refer to the benefit details.
    $10
    Eyeglass Frames Copay (Maximum Allowance)
    $200
    Contact Lenses (Maximum Allowance)
    $200
  • Vision Plans
    Blue Cross Vision Basic
    Monthly Cost
    $18.99
    Eye Exam Copay
    $20
    Eyeglass Lenses Copay *Cost-sharing may vary depending on the lens material. Please refer to the benefit details.
    $20
    Eyeglass Frames Copay (Maximum Allowance)
    $150
    Contact Lenses (Maximum Allowance)
    $150
  • Vision Plans
    Blue Cross Vision Enhanced
    Monthly Cost
    $18.53
    Eye Exam Copay
    $10
    Eyeglass Lenses Copay *Cost-sharing may vary depending on the lens material. Please refer to the benefit details.
    $10
    Eyeglass Frames Copay (Maximum Allowance)
    $150
    Contact Lenses (Maximum Allowance)
    $150
  • Vision Plans
    Blue Cross Vision Plus
    Monthly Cost
    $14.60
    Eye Exam Copay
    $10
    Eyeglass Lenses Copay *Cost-sharing may vary depending on the lens material. Please refer to the benefit details.
    $20
    Eyeglass Frames Copay (Maximum Allowance)
    $130 *Every 2-calendar year
    Contact Lenses (Maximum Allowance)
    $130
  • Vision Plans
    Blue Cross Vision Value
    Monthly Cost
    $12.23
    Eye Exam Copay
    $20
    Eyeglass Lenses Copay *Cost-sharing may vary depending on the lens material. Please refer to the benefit details.
    $20
    Eyeglass Frames Copay (Maximum Allowance)
    $130 * Every 2-calendar year
    Contact Lenses (Maximum Allowance)
    $80
  • Vision Plans
    Blue Shield of California 15/25/150
    Monthly Cost
    $14.70
    Eye Exam Copay
    $15
    Eyeglass Lenses Copay *Cost-sharing may vary depending on the lens material. Please refer to the benefit details.
    $25
    Eyeglass Frames Copay (Maximum Allowance)
    $25 plus all charges above $150
    Contact Lenses (Maximum Allowance)
    $25 plus all charges above $120
  • Vision Plans
    Blue Shield of California 15/25/120
    Monthly Cost
    $7.90
    Eye Exam Copay
    $15
    Eyeglass Lenses Copay *Cost-sharing may vary depending on the lens material. Please refer to the benefit details.
    $25
    Eyeglass Frames Copay (Maximum Allowance)
    $25 plus all charges above $120
    Contact Lenses (Maximum Allowance)
    $25 plus all charges above $120

*Once per calendar year *The information above provides a basic overview of benefits. For detailed coverage and actual terms, please review the policy carefully. Note that some benefits may have waiting periods, and using in-network doctors and hospitals will help you secure the best pricing.

*雖然保險公司努力確保醫生和醫院名單是最新且準確的，但提供者會不時離開保險公司的網絡，所以這些清單會不斷發生變化。有些醫院、醫生或其他提供者並未包含在每個計畫網路中。 如果您造訪不在您的計畫網路內的供應商，您的費用可能會更高。 我們建議您聯絡提供者以確認他們在您的計劃網路中並涵蓋所需的服務。

Dental & Vision Package

The dental & vision package gives you comprehensive protection by combining dental and vision services into one — maximum convenience and coverage. Whether for routine checkups or unexpected treatment, it meets your needs and makes managing your dental and vision health easy.

Blue Cross Package

Please select both dental and vision coverage on the application form. The exact pricing will be based on the plan you choose.

Apply Now

Blue Shield Package

Please choose the Specialty DuoSM Package. The monthly fee is $48.50 for those under 26 and $57.20 for those 26 and older.

Apply Now