What Dental PPO and Indemnity plans have to offer. Dental PPOs and Indemnity plans allow you to choose your dentist, and for many people, that can be a deciding factor in buying those types of dental insurance plans. For people who want to stay with their current dentist or to be able to choose their dental provider, these types of insurance plans are for that. Dental PPO and Indemnity plans are usually more costly than HMO’s dental insurance plans. Are dental PPOs and Indemnity insurance plans worth the cost? The answer is yes. If you know your dental needs and understand the terms and conditions of the insurance plan, many people are happy with their PPO plans. Trouble comes when you fully understand dental insurance plan’s limitations.
I need to understand how dental insurance works. I have a dental insurance PPO plan through my job, but it could be better. I am considering removing it and getting just the medical. Why have insurance if you have to pay the dentist?
Reply: Medical insurance has a cost paid out by the insured, too. Dental insurance is designed to make dental care more affordable, not necessarily free. You may not think dental care without insurance is so bad, but to give you an example of how even in preventive care, dental insurance is worth the cost. Say all you need is preventative care.
Without insurance, preventive care costs (Office visits, Bite-wing X-rays, Oral Exam, and Basic Cleaning) can range around $200 – $400, keeping in mind most low-cost HMOs plan range from $8.00 to $20.00 a month with preventive care typical being free. More extensive dental care services become expensive when you don’t have dental insurance.
Are Individual PPO Dental Insurance Plans worth buying?
Some people may feel that getting dental insurance is not worth the plan’s cost. That may be true for some dental insurance plans if the person wanting it only wants the dental insurance for short-term use. Many people put off their dental care until they are in pain or have significant dental issues. Then get upset when they find out that many PPOs or Indemnity insurance plans have limitations that will not be able to help them with their major dental care needs immediately. A dental PPO plan is not for those who only want to buy a dental insurance plan to fix a current dental issue and then turn around and cancel the plan once they have their dental work done. The reason is that dental PPOs are designed to be long-term plans and not short-term ones. When considering buying a dental PPO or Indemnity plan, the thing to keep in mind is your long-term dental needs. When getting these types of insurance plans, it is a dental plan you want to keep for at least a few years.
PPO Full Coverage Dental insurance for a dental crown
Question:I require two dental crowns. I seek a dental insurance plan covering at least 50 percent or more on a crown and one without waiting periods. Is there a dental insurance plan like that?
Reply: We have two options for you; any of our HMO dental insurance would work. On the HMOs we provide, there are no waiting periods. The crown’s cost typically ranges from $100.00 – $250.00+. Another option would be our Delta Dental PPO plan. That does not have waiting periods; however, the first-year benefits on majors services such as crown run around 10 to 15 percent, and you only have 50 percent benefits on majors services once you have the plan for three years.
Question: For a low cost dental which is better dental insurance or a dental plan?
Answer: That can depend on what types of dental services you may need. Dental HMO insurance is the lower cost insurance option but dose not provide coverages for all types of dental care. Where as a dental discount is a low cost dental alternative to dental insurance. Dental discount plans provides discounted savings for all dental services you have at participating providers of the plan.
Each plan type will help you save money on your dental care needs in California we have both dental discount plan options as well as HMO insurance options just enter your zip to review all our dental insurance and plan options to compare each plan. If you have any questions about our dental insurance/plan please call our member service line at 310-534-3444 as they be happy to help.
Question: I live in California, I really do not care what dentist I go to but it seems that the dental insurance plans that are network plans do not have dentist with in a 50 miles from me.
Answer: There are some area in California that for some plans do not have local providers. Normally those areas would be more rural areas that may have fewer dental offices. If this is your cast and you do not wish to driver 50+ miles out, then you may want to review our Dental PPO’s insurance plan options as they will still provide benefits to out side network dentist.
Question: I am 28 and although I have dental insurance though work I really still do not like going to the dentist. I have yet to go in for my free twice a year cleaning because even that makes me a nervous wreak.
Answer: One good way of avoiding having to have larger dental care needs is by seeing your dentist regularly. Avoiding the dentist is never a good idea. By seeing your dentist for your check ups and cleaning the dentist is able to spot any minor dental issues and treat them before they become larger more costly dental care needs. I understand having dental fear issues but talk to your dentist go over your fears the more you address your concerns and fears the better you will be able to handle them. Do not let your fear stop you from having and maintain healthy teeth and gums.
Question: I am reviewing the different dental insurance plans options you have and with regards to the California dental network plans the 460, 411, 595 how do they differ?
Answer: In short they are all HNO plans so they work the same way. However the more you pay for the cost of the plan the less you pay for the higher cost dental care services. Therefore if all you have is the twice a year check up and cleaning you may not have a need to get the more expensive California dental plan 595. Yet if you do have larger services you may not want to get the least costly plan either since by spending a little more will save you money on your larger dental care needs.
Did you know that the position of your teeth and your smile serve an important role in the aging of your face? As we age we show less of our upper teeth when we smile, tooth wear alters the youthful proportions of our teeth, teeth yellow, and the soft tissues of the face begin to sag as they become less supported. An esthetic orthodontist is able to enhance the facial appearance and reverse signs of aging through orthodontic treatment alone or through coordination with other dental and medical professionals.
One of the first things many people will notice about you is your smile. Therefore your smile is like your calling card. Having a great smile will help in in the increasingly competitive market. More adults looking for an edge in the jobs market and they are investing in themselves. They want to look the part and make an impression. A great smile is a big part of this and studies have even shown that a better smile can lead to better earning potential.
Will your any of your dental plans you have list cover for new dentures? I really need help. My old dentures are old and ill fitting. I found a few dental insurance plans that will cover for new ones but I am told I have to wait a year.
I do not want to have to continue to deal with my bad fitting dentures. Your plans say they start the next business day with no waiting periods but I do not see dentures listed. Maybe I am just not seeing it but can you advise please
I do not have dental insurance and I can not get it though my job. I seriously need to see a dentist since it as been over four years since I last seen one. I had dental insurance with my parents at that time.
I can not afford much on my own right now but I would like a dental insurance plan that will offer free preventive treatment and is not too costly on filling in case I may need one. I live in VA and would like to see a dentist soon. Can you please help.
I’ve had yellow teeth now fro many years and I really dislike how they look. I brush and floss my teeth regularly. I go to the dentist twice a year and have no cavities. My teeth are just yellow. I do not have the money to waste on whitening treatment done by the dentist since my dental insurance will not cover for it. Any low cost ideas or home remedies that I can try to get a whiter smile?
I am in need of a root canal and I am told by my dentist I will also more then likely need to have it crowned. I do not have dental insurance and been paying for my own dental care. However when the cost is going to be more then my credit care limit I start to really realize that I need some help.
I am looking for dental insurance where I can stay with my dentist and not have to long of a waiting period. My tooth does not hurt right now and the dentist said I could try and baby it for a while but says it should be done as soon a possible. He told me the plans they take normally have waiting periods so I am aware of them just looking for the best possible plan. Thanks.
My teeth are yellowish and my eye teeth are very pointy and slightly crooked. Also about a year ago I lost a tooth which I did not really mind since it had a black spot on it. The thing is now I have a gap that is in the back of my mouth.
My gums are red and do bleed a little when I brush so I am not sure if getting braces now would be a good idea. I am also not sure if I need to have braces. Would getting braces help?
My teeth are not as white as I would like them to be. And since my dental insurance will not cover anything for whitening treatments from my dentist, I bought Listerine whitening strips.
I am just wondering if they really work or was it a waste of my money? I am going to try them since I got them but is there anything I should know about whiten strips first?
I am twenty-five and have two baby teeth. I really do not like them since they are in the front were people can see that they look much smaller then the other teeth I have. Can I get dental implants to make they look like real adult teeth? If so what type of dental plan would I need to get? Or would having baby teeth at twenty-five be preexisting and not covered under dental insurance.
My daughter is 23 and will be getting drop from my current dental plan do to her age. Since I get my dental with my job I need to find a plan just for her. I am still willing to pay for her dental insurance as long as she is in school.
However, I would still like a low cost plan. Something that offer good over all dental coverages. She does not need any major dental work but I want her to still be able to see the dentist on a regular bases. What can you suggest.
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Okay around two year ago I had to have two of my wisdom teeth removed. The dentist charged my dental insurance company at the time $3500 My plan covered 60 percent of that which I thought was good. So my cost was $1400 plus my $40 deductible.
So live goes on. Two weeks ago my friend had to also get two wisdom teeth removed. She lives on a low income and did not have dental insurance like I did. So she had to pay in cash. The dentist only charged $750.00 per tooth costing her $1500.00.
When she told me this I was like what the heck was up with that. I had insurance and had to pay almost as much as she did without insurance. So to me it is quite clear that if you have dental insurance the dental office is going to stick it to you in order to get more money out of you. Because if you do not have insurance you probably can not afford to pay $3500.00.
There should be a law again a dentist adjusting their charges like that. Otherwise what is the point in me having $25.00 dollars taken out of my paycheck each time to just get rib off at a dental office for having dental insurance.
Getting Started – Dental Insurance Plans and Braces
Research should be done finding a qualified dentist in the area of the policyholder before the purchase of cheap dental insurance for braces is made. Once a qualified dentist has been found, the policyholder should mention the dental insurance for braces plan to the dental receptionist and confirm the costs associated with establishing a patient doctor relationship for receiving braces. One is to get the classic dental insurance for braces, and the other is to get a dental discount plan.
Also, when you consider dental insurance for braces, you should remember to check whether your dental insurance provider offers a long list of dentists or orthodontists and how much freedom you will have in choosing which dentist you want. If you have dental insurance for braces then you will get other benefits in addition to your policy. Dental insurance for braces allows people to make this extremely expensive service available, and decrease the on-budget expenditures. Consider getting a dental insurance for braces, especially if you are going to have them applied. So if you are thinking about getting a professional orthodontist service your finances are surely to be planned and you are to have a special kind of dental insurance for braces.
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I am out here in Georgia looking for a low cost dental insurance plan. When it comes to buying dental insurance it has been a process for me that I have not enjoyed. I am sixty-seven and I am not the most inter net savvy person.
I tried but gave up. Now I would just like some advise on the plans you have to offer. I am looking for a low cost dental plan that I can use for my dental maintenance. I do not need nothing to big I am just trying my best to keep down my cost.
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I do not have alot of money. I guess that is true for many people right now but as for me I really can not spend too much for dental insurance. I live in FL on a very fixed income. I can only spend around $15.00 for dental insurance.
Now I know I could get a dental discount plan for around that amount monthly but I really would perfer a dental insurance plan. I have no real dental need currently but you do not know what the future brings. Can you help me?
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I am looking for a dentist that is willing to do some expensive dental work for free. It is not for me but for my fourteen year old son. My son has had bad teeth from his first tooth. He got bad dental carries on all of his baby teeth that made them come out way to soon and then a course it effected his adult teeth and how they started to come in.
I did take him to the dentist but my insurance would only cover so much at a time that I could never keep up with his dental needs. I feel terrible that I failed him but I am still not able to get him braces to fix his teeth and give him a nice smile. He is such a good boy and he should get better then this.
The dentist says at least his teeth are stronger and he does not have any cavities issues with his adult teeth he only really needs braces to straighten them out because they are so crooked. I need dentist willing to give up their time to help my son. Where would I start looking for something like this? Who do I call for help?
I need to see a Periodontist since it seems I have very bad gums. I been going to the dentist for my teeth an although I do not have any cavities my gums would hurt. He did do a deep cleaning but my gums still bleed and they are still very red.
If I do not have insurance will I need to have a referal to see a Periodontist? Or can I just go to one on my own. I have the money I just never bother getting dental insurance because to me dental insurance never insured what I wanted or had really long term waiting period.
What do you do if your general dentist that you been going to does do dental work on children that are younger the five? My insurance plan does not cover for me to take her to a pediatric dentist because they do not cover for specialist.
Do all general dentist not help two years old. My son is really well behaved and I not see him having any problems with going to a dentist because he likes everyone. What can I do or say to get a general dentist to see my son. I would hate to have to wait until he is five to see the dentist.
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