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I don't have enough money to fix my teeth.
 

In 1960, the average maximum benefit paid by insurance carriers was $1,000 per year in the Salinas area.  In 1999, the average is still approximately $1,000 per year.

Can this be true?  Yes! An ever-increasing number of patients cannot gain access to needed dental services because the maximums have not even kept pace with inflation.  Is there a solution?  Absolutely.  A Blueprint and Direct Reimbursement for the Salinas, Hollister and Monterey area.

A "Blueprint" is a complete and full treatment plan prepared by Dr. Klugman, customized to your wants and needs, that will allow you to phase in ideal treatment over a period of time leading to the ultimate goal of ORAL HEALTH.

A "Direct Reimbursement" dental benefit is a simple reimbursement system that preserves your right to choose treatment with minimal paperwork and no preliminary authorizations.  Employers in the Salinas, Hollister and Monterey area who select this alternative benefit plan can save money and purchase plans that provide cost-effective services employees.

Dental Insurance
In Salinas California and the surrounding
Hollister - Monterey - Marina - Greenfield CA areas.

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