I do not have current dental insurance and very little money. My dentist told me I needed dental work on my teeth, so I started looking for dental insurance. Right now, insurance seems too costly for me, but some friends tell me to avoid dental discount plans because they are not insurance. Is this true?
Reply: That is correct. Dental discount plans are not insurance. Dental discount plans help you save money on your dental care cost as long as you go to a dentist who is a provider of the plan. Discount plans are an excellent way to help make dental care more affordable at a low cost. If you want dental insurance, consider reviewing dental HMO plans. Dental HMO plans are the more affordable dental insurance option.
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.
In a prior post we talked about the fluoride content and effectiveness of your toothpaste. In order to get the most from your toothpaste, consider buying toothpastes that exclude ingredients reduce fluoride bioavailability like SLS. Also buy your toothpaste in smaller containers,and at more frequent intervals so that your toothpaste stays fresh. This simple trick will help your teeth stay strong and is especially important for individuals at a high risk for cavities.
The longer your toothpaste sits on the shelf after it is manufactured, the more time there is for fluoride to combine with ingredients in your toothpaste like abrasives, sodium lauryl sulfate (SLS), etc. which reduce the overall fluoride content and effectiveness of your toothpaste. Studies being conducted have shown that this reduction in fluoride availability can occur rapidly over the first few months after toothpaste is manufactured. This occurs even before your toothpaste reaches its expiration date.
When using desensitizing, do not rinse after brushing for at least 30 minutes. Pro-Argin Sensitive Pro-ReliefThese toothpastes need time to work like they should. By spitting thoroughly instead of rinsing your mouth with water after brushing, you will allow the thin coating of toothpaste remaining on your teeth to get to work providing the relief it is designed give you.
Question: In another six months I will receive dental benefits though my current employer. Right now I need to have a short term or temporary dental plan that can help me out on a few of my current dental needs. I been trying to put of buying dental insurance since I will be getting dental benefits soon. However one of my teeth are really staring to hurt me. Can you advise if you have any dental plan that I do not have have to keep for a full year or more?
Answer: I would suggest reviewing our dental discount plans as they will help to reduce your overall dental care cost and you can cancel the plan at any time with a 30 days written request to do so. You may also want to review our Dental HMO plan. Although you do pay for the plan annually it is not too costly and may still workout better for you.
Question: I live in Texas and I am a low income mom of two. I do not have any dental benefits only medical right now. I am worry that I can not afford my children’s dental care without some help. Do you offer any low income dental plans?
Answer: Our lower cost dental insurance plans options would be the dental HMO plans we offer on our website when you enter your zip code in the quote box provided. You may also want to review and compare the dental discount plans we provide as well. Both dental plan types are affordable and help to reduce your family dental care cost.
I have an overbite and overcrowding. The orthodontists said that I have to get top braces first and then 6 months after I get the bottom braces. I am getting brace in about three week from now. I like to know will they hurt a lot. What food will I be able to eat and what food should I not get while I have braces. How will braces feel in my mouth and any suggestion in band colors or colors to stay away from
Xerostomia or other wise know as dry mouth is a common problem among older adults. According to the Oral Cancer Foundation an estimates that 20 percent of elderly people suffer from dry mouth. Dry mouth is also a hidden cause of tooth loss and gum disease in 30 percent of adults.
There are many reasons why you may have dry mouth but for older adults one large factor is that dry mouth can be a side effect to many medications. Medications such as blood pressure, decongestants, antidepressants and pain pill other medications may also cause dry mouth so if you are experiencing dry mouth issue be siree to discuss treatment options with your dentist.
Most people know that smoking is bad for your over all health and can cause a multitude of health related problems, however smoking is also a major contributor to many dental problems. Here are some dental problems that are associated with smoking or using tobacco. Gum disease, receding gums, stained and discolored teeth, tooth loss due to gums disease, bad breath, tartar build up which can lead to tooth decay, and oral cancer.
It hopefully goes without saying that one should quit smoking to avoid oral and dental problem associated with smoking as well as the multitude of health problems. However, if you are a smoker not quitting they make sure to see your dentist at least twice a year and more if advise by your dentist.
People with dental phobia are more likely to have active caries (tooth decay) or missing teeth, a new study from King’s College London has confirmed.
The latest study, published in the British Dental Journal, aimed to explore the social and demographic correlates of oral health and oral health related quality of life of people with dental phobia comparted to those without dental phobia. The findings showed that people with dental phobia are more likely to have one or more decayed teeth, and missing teeth as well. In addition, the study showed that those with dental phobias’ reported that their oral health related quality of life is poor.
The results from the study showed that dental phobic people were more likely to have caries (tooth decay) in comparison to non-phobic respondents, and were likely to have one or more missing teeth. The report argued that this could be because many people with dental phobia avoid seeing a dentist on a regular basis to address oral conditions that are preventable and chronic in nature. Once a visit has been made, the phobic patient might also prefer a short term solution instead of a long term care plan, such as extraction.
There are many reason why your teeth can become sensitive. If you find you have sensitive teeth you should see your dentist. Having sensitive teeth could be a warning sign to other more serious dental issues. Here are a few reason for tooth sensitivity
* Brushing your teeth too hard. This can wear away the enamel layer.
* Poor oral hygiene. This may allow tartar to build up at the gum line.
* Long-term tooth wear
* Untreated cavities
* An old filling with a crack or leak
* Receding gums that expose the tooth’s roots. Receding gums often are caused by periodontal diseases or by brushing too hard.
* Gum surgery that exposes a tooth’s roots
* Tooth whitening in people who have tooth roots that already are exposed
* Frequently eating acidic foods or drinking acidic liquids
Seniors can find affordable dental insurance in California on our Dental4Less.com website. Cost of living can be rather high in California, with dental care cost continuing being on the rise it is important to have current dental insurance to help control your dental care costs. Let our member services help you with our dental insurance plans if you have any questions just call 310-534-3444.
We at Dental4Less.com can help you find dental coverage that is right for you. Oral health care is an essential factor of senior health and over all wellness. Finding a dental insurance plan that best fits your dental care needs, will help keep your dental care cost more affordable. Studies suggest people with dental insurance are more likely to visit their dentist regularly then those that do not have dental insurance. Regular dental visits is key in maintaining good dental health in seniors.
According to National Institute of Dental and Craniofacial Research, 42% of children aged 2-11 in the US have had dental caries, or tooth decay, in their primary teeth, while 21% of children aged 6-11 have had dental caries in their adult teeth. Poor oral hygiene and high consumption of sugary foods and drinks are common causes of dental caries in children.
Traditional Fee-for-Service Plan
Indemnity dental insurance is another plan where the plan pays the dentist on a traditional fee-for-service basis. Indemnity dental insurance is an insurance package where the policyholder can choose his or her own dentist and the insurance provider will be the one to pay that designated dentist your fees or, usually, around half of them. This indemnity dental insurance plan allows you to select any licensed dentist for service. An indemnity dental insurance plan is often called a traditional dental coverage plan or a fee for service plan. You will need to pay a deductible on your indemnity dental insurance.
Most people know that flossing is a fundamental step in keeping our teeth and gums clean, however this is if you do it right. Snapping and popping your way through the process probably does more damage than good, causing friction on tissue and damage at the gum line. Instead, use about two inches of floss between your fingers, unroll a fresh section of floss for each tooth, and keep the floss tight against your tooth to break up plaque while leaving your gums in good shape.
Many of our family dental insurance plans provide access to more than 80,000 providers nationwide and include professional dentists located near your home. Family dental care doesn’t have to cost an arm and a leg. Family dental insurance will protect a family’s oral health and insure that trips to the dentist do not painfully affect the your wallet.
Family insurance dental plans are the greatest way to make sure healthy kids with great smiles and a strong mouth and teeth. Family dental insurances include great benefits and coverage that includes everyone in your family. Family members For most dental insurance plans are discussed in your household children under 18 years. Family dental insurance for better oral health is a key aspect that creates a feeling of bond between the family members and is one of the most popular supplemental options for overall medical insurance policies.
It can be easy to become laxed in your dental hygiene. But do not let the happen. You dental care health starts at home. It is very important to take care of your oral health by brushing at least twice a day and flossing daily. Also make sure to use a mouth-rise that kill germs and fight plaque. There have been many studies done that show a direct link of your oral health and overall health. Poor oral health can result in poor overall health. Make sure to see your dentist regularly to maintain proper dental health.
Cuts Dental Costs
After all, dental costs can seriously impact anyone’s budget. Most individual dental insurance plans tend to emphasize preventive dental care, because it lowers costs in the long-run caused by poor dental hygiene and lack of regular check-ups and cleanings. Many insurance companies will only reimburse composite filling costs at a rate equal to that of an amalgam filling.
Additionally, our pages review some of the concerns and costs associated with wisdom teeth oral surgery and suggest some steps you might take during your postoperative recovery period so to minimize the potential for experiencing complications during the healing process.
When you decide to go for a dental insurance, there are a lot of choices you will get, there are dental insurance plans which include individual plans, group insurance plans, supplemental insurance plans, full coverage plans and there are dental discount plans which is not exactly the an insurance but you save money on the dental costs as you get discounts on the services of the dentists.
Reimbursement Options
Sometimes finding the plan with “the” low cost isn’t the best solution, it’s finding quality health insurance at a competitive price. Costs of any kind of dental procedures is quite high, insurance would make it affordable to you. Today’s health insurance, including your dental plan, is designed to help you get the care you need at a reasonable cost. Most individual dental insurance plans tend to emphasize preventive dental care, because it lowers costs in the long-run caused by poor dental hygiene and lack of regular check-ups and cleanings.
In combination with information about different costs, benefits, discounts, choices and services to compare dental insurance plans around. Make sure you have a plan to secure medical care and cover the associated costs. With a dental insurance plan covering the costs of these visits, patients are more likely to stick with an effective preventative schedule.
A visit to a dentist in America costs a lot even for regular check ups, cost of any dental procedures if required is much more. Most of the procedures would cost you in excess of three hundred dollars and that’s the starting fee which increases according to the procedure involved.
We know it can be hard to keep your dental appointment when dealing with dental fears. However, dental fears can be addressed so you do not have to defer needed dental care. Here are some tips that may help
1) Talk to the dentist and let him/her know about your dental fears. Your dentist will know how to address and talk to you about your fears so you can feel better and more relaxed about having dental services render.
2) Listen to music. It may help you to relax while having dental services render to listen to your favorite songs. The dentist can tap you on the arm if he/she needs your attention for a second.
3) Have full understanding of the dental services needed. The more you know about what you are going to have done the more you can relax. It is the fear of the unknown that can stress you out.
4) Book extra time for your dental appointment so you are not feeling rushed and if you need a brake the dentist will be able to give that to you without worry about running late for the next appointment.
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