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Archive for the 'Individual Dental Insurance Plans' Category

Find the Most Affordable Dental Plan Options.

Dental health care is critical, and there are many ways to ensure you do all you can for your oral health care. There are many ways to ensure you are doing all you can for oral health care: simple things like brushing your teeth at least twice a day, flossing daily, using tarter control, and gum care mouthwash. The primary dental care you do for yourself is low-cost and takes very little time each day. The next step is to see a dentist at least twice a year for check-ups and cleanings.

Cost can be a factor, but it does not have to be. One way to control dental costs is through a low-cost dental insurance plan. Many dental insurance plans offer free to low-cost preventive dental care. The money you spend on dental insurance is well worth it. And by seeing your dentist regularly, you will avoid any major dental issues. However, if you need more extensive dental services, having dental insurance will also help control your dental cost. Be thoughtful about your oral health and think ahead. Good dental care now makes for good dental care in the future.

California Dental Teeth Care, Eating After Dental Bonding.

Question: I just got some dental bonding on five teeth. However, I did not ask my dentist if it was okay for me to eat anything or if I needed to wait. If so, how long do I need to wait after having bonding done? I need to know.

Reply: You don’t have to wait to eat or drink after your appointment. However, you may experience slight tooth sensitivity to heat and cold after teeth bonding for a few days afterward. To prevent staining, avoid or keep to a minimum coffee, tea, soy sauce, colas, grape juice, blueberries, fresh cherries, and acidic foods like citrus juices and tomato sauce. You may want to call your dentist, who did the bonding, for any aftercare instructions, which they would typically give you at the time of your appointment.

Dr Dental – Tooth Decay

What is Tooth Decay? Tooth decay is the destruction of a tooth’s outer surface from acid-forming bacteria produced by food containing carbohydrates (sugars and starches). Tooth Decay Prevention: Brush your teeth twice a day with fluoride toothpaste. Preferably, brush after each meal and before bedtime to help prevent bacteria from staying on your teeth for a certain length. Consider these helpful tips: Floss your teeth daily to prevent tooth decay and gum disease. Check with your dentist about using supplemental fluoride, which strengthens your teeth and helps prevent tooth decay. Consider dental sealants; sealants are placed on the top of the molars to protect the teeth from decay. Use mouthwashes with fluoride. Many kill 50% or more of the bacteria that cause tooth decay. Chewing gum with the ingredient Xylitol © may also kill some of the bacteria that cause tooth decay.

Affordable family dental insurance that will not make you pay upfront for dental services.  

Question: I need to find a family dental plan where we can all go to the dentist whenever we need to and pay the dental office bills after the dental insurance company pays their part before making us pay our share of the cost.

In the past, we had plans to pay the dentist upfront for the total cost of our dental services and wait for the insurance company to refund us. In this day and age, who can afford to do that? I know we can not. 

Those types of dental insurance plans keep us from going to the dentist, and at that point, I do not see paying $120 a month for a dental insurance plan we do not even use because we can not pay upfront for dental services. What options are left for us that would be more affordable?

Reply: Welcome! I hope you are doing well today. I want to discuss dental insurance plans and how claims are processed. I can understand why the claims process can be upsetting, particularly regarding how claims are paid. Let me assure you that you are not alone. Many people have questions about dental insurance plans and how they work.

Based on what you have told me, you have either a dental PPO or an Indemnity dental insurance plan. If you like the plan benefits and coverages overall and it is just about how claims are paid, consider talking to your dentist. With dental PPO and Indemnity plans, the payment process and how the dentist gets paid is really up to the dental office. It does not typically come from your insurance company.

The dentist can choose to submit the claim and get paid by the insurance company before billing out any remaining balances to their patient. In the past, many dental offices processed claims that way. However, sadly, many patients would fail to pay their part, and then the dentist’s office would have to chase them down for payment. This is why many dental offices have started billing their patients in full and making them file claims to the insurance company to get paid back (refunded) the part due them.

Some dental offices charge you what they think your part of the cost would be based on your policy coverages, then bill or credit you depending on the outcome. However, few dentists still do this, as it can still be an issue of fully getting paid for services already rendered.

Based on what we have discussed, it is not an issue with the insurance plan per se but more of knowing how your dentist is willing to file claims and how they expect you to pay for services. Therefore, if you are still facing issues with your dental insurance plan, you may need to change your dental office, not your dental insurance plan. I hope this information was helpful to you. If you have any additional questions, please do not hesitate to ask.

Dental 4 Less – Insurance and Thinking Ahead

You should think ahead when getting dental insurance.

It may seem surprising that many people do not have dental insurance. However, dental insurance benefits are only sometimes offered through work, so people do without until a significant dental need arises. The problem with waiting until you need dental insurance is that it can be too late to get the type of dental insurance you want. You may need a dental PPO plan to stay with your dentist.

However, most dental PPO plans have long-term waiting periods, so you may not get the coverage you seek when not bought early. If you have a dentist you do not wish to change, find out what dental plans you would need to stay with their dental office. If you are with a dental office that only accepts PPO dental plans, you should consider getting a PPO plan now to have a plan in place for your future dental needs, whether for preventive dental care or major dental care.

Dental 4 Less – Dental Insurance Facts

Are You Getting the Facts Before You Buy Dental Insurance?

When shopping for dental insurance online or through an agent, know all the facts about each type of dental plan before buying one. Mistakes happen when you need clarification on how a dental plan works. Purchasing dental insurance online is easy and convenient, but people need to read and understand what they buy. Before hitting the submit button, ensure you understand the plan’s terms.

Does the dental plan have waiting periods or yearly max dollar amount limitations? Is the dental insurance plan an in-network dental provider only, or can you go outside the network of dental providers? When is the insurance plan effective? Did you call the dentist to confirm they still accept the dental insurance plan? Is what you are reviewing a dental insurance plan or a dental discount plan? What are your dental needs, and are you getting a dental insurance plan that best fits them?

Taking the extra time to fully understand the dental plan you are buying will save you from headaches and being upset later on.

Dental 4 Less – Understanding Dental Insurance.

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.

Dental 4 Less – Individual PPO 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.

Dental 4 Less- PPO Coverage

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.

What is the process of having braces put on? – Dental 4 Less

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

Posted on Mar. 24th 2023, by Dental, in Individual Dental Insurance Plans, No Comments »

Dry Mouth is a Common Problem Among Seniors – Dental 4 Less

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.

Posted on Mar. 21st 2023, by Dental, in Individual Dental Insurance Plans, No Comments »

Dental Problems Caused by Smoking – Dental 4 Less

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.

Posted on Mar. 18th 2023, by Gina, in Individual Dental Insurance Plans, No Comments »

Dental 4 Less, Seniors Citizens Buying Dental Insurance in Advance

If you are thinking about buying dental insurance you should not wait until you need to have a root canal. Many dental insurance companies have waiting periods before certain coverage’s are in effect. By waiting until you need dental insurance you may not have benefits for the dental service needed. Therefore buying dental insurance well in advance of treatment is best advised.

Posted on Dec. 25th 2017, by Dental, in Individual Dental Insurance Plans, No Comments »

Dental 4 Less, Senior Citizens Dental Insurance Rates.

Dental insurance cost can be a large factor for many seniors that live on a fixed income. Are you looking for the most affordable dental insurance rates with dental benefits that best fit your needs ? On this website we provide dental plan options such as Dental discount plans, Dental HMO insurance plans and Dental PPO’s and Indemnity insurance plans. By providing a large range of dental insurance plan types and options it make it easier to find a dental insurance plan that fits your budget and your dental needs without having to spend hours or even days searching different sites to compare dental plans.

Posted on Dec. 23rd 2017, by Dental, in Individual Dental Insurance Plans, No Comments »

Dental 4 Less, Dental Insurance Coverage for Senior Citizens

If you are a senior then you know the importance of your oral health care and how it is linked to your over all health and wellness. Therefore seeing a dentist as advise is an important part of maintaining your oral and dental health. Dental insurance provide coverage’s that help keep your costs more affordable when you visit your dentist for treatment. In most cases dental insurance plans provide free to very low cost preventive care services. By maintaining preventive dental care helps to avoid having larger dental care needs in the future.

Posted on Dec. 19th 2017, by Dental, in Individual Dental Insurance Plans, No Comments »

Seniors Dental Plans in California

In California this website provide many good low cost dental insurance plans which are available for seniors. Dental HMO insurance plans provides dental insurance services at a much more affordable cost making it easier for many seniors to budget in there dental care needs. Dental discount plan also are low cost plans that help to reduce the cost of dental care services. Take a moment to review the many different dental insurance plan options and please call member services if you have any questions about the dental insurance plans we offer.

Posted on Dec. 15th 2017, by Dental, in Individual Dental Insurance Plans, No Comments »

Dental 4 Less, Out of Pocket Costs.

It is important to understand with most dental insurance plans there will be out of pocket costs. Out of Pocket costs is any amount the enrollee is responsible for paying, such as coinsurance or co-payments, deductibles, and costs above the annual maximum.

Posted on Dec. 9th 2017, by Gina, in Individual Dental Insurance Plans, No Comments »

Dental 4 Less, Dental Bonding

Dental Bonding is a composite resin applied to a tooth to change its shape and /or color. Bonding can also refers to how a filling, orthodontic appliance or some fixed partial dentures are attached to teeth.

Posted on Dec. 7th 2017, by Dental, in Individual Dental Insurance Plans, No Comments »

Dental 4 Less, Jaw Pain

Jaw and facial pain is a common problem affecting millions of people worldwide. It causes many treatment challenges in the healthcare community when it comes to diagnosis and treatment.

As there are so many potential causes to jaw pain, correct diagnosis is vital. Doctors need to identify the exact cause in order to provide the best course of pain-relieving treatments.

Posted on Nov. 25th 2017, by Dental, in Individual Dental Insurance Plans, No Comments »

Dental 4 Less, Baking Soda and Teeth Whitening

Question: Does baking soda whiten teeth I do not have money to spend on whiten products but I been told that baking soda can whiten your teeth. Is this true.

Answer: While baking soda can help to brighten and prevent discoloration of your teeth, it will not necessarily make your teeth a whiter shade of white. You will probably need a whitening product that contains bleach for that.

Posted on Nov. 7th 2017, by Dental, in Individual Dental Insurance Plans, No Comments »

Dental 4 Less, Receding Gums

Receding gums are also known as gingival recession. The pink gum tissue normally covers the root of the tooth. This can become exposed when the gum is pushed back or if the tooth is in an abnormal position.

Receding gums are common and often unnoticed at an early stage. There are many risk factors, but age is a main one – 88 percent of people older than 65 have receding gums in at least one tooth.

Posted on Nov. 5th 2017, by Dental, in Individual Dental Insurance Plans, No Comments »

Dental 4 Less, Natural tooth repair method, using Alzheimer’s drug, could revolutionize dental treatments

A new method of stimulating the renewal of living stem cells in tooth pulp using an Alzheimer’s drug has been discovered by a team of researchers at King’s College London.

Following trauma or an infection, the inner, soft pulp of a tooth can become exposed and infected. In order to protect the tooth from infection, a thin band of dentine is naturally produced and this seals the tooth pulp, but it is insufficient to effectively repair large cavities. Currently dentists use man-made cements or fillings, such as calcium and silicon-based products, to treat these larger cavities and fill holes in teeth. This cement remains in the tooth and fails to disintegrate, meaning that the normal mineral level of the tooth is never completely restored.

However, in a paper published today in Scientific Reports, scientists from the Dental Institute at King’s College London have proven a way to stimulate the stem cells contained in the pulp of the tooth and generate new dentine – the mineralised material that protects the tooth – in large cavities, potentially reducing the need for fillings or cements.

Posted on Oct. 17th 2017, by Dental, in Dental Health News, Individual Dental Insurance Plans, No Comments »

Dental 4 Less, Dental Caries

Dental Caries (cavities), is an infection of the teeth, which represent another physiological burden, especially important for those whose systems are already weakened by diseases and aging. In 1988-94 nearly one-third of adults 65 years of age and older with natural teeth had untreated dental cavities in either the crown or the root of their teeth. Dental caries is one of the main causes of tooth loss for both young and old adults. Although the prevalence of dental caries has declined in the U.S. overall, declines have not occurred among the most socially disadvantaged groups of older adults.

Posted on Oct. 13th 2017, by Dental, in Individual Dental Insurance Plans, No Comments »

Dental 4 Less, Dental implant with slow-release drug reservoir reduces infection risk

Scientists have developed a dental implant containing a reservoir for the slow release of drugs. Laboratory tests in which the reservoir slowly released a strong antimicrobial agent showed that the new implant can prevent and eliminate bacterial biofilms – a major cause of infection associated with dental implants.
dental implant with reservoir

The researchers, from various departments at KU Leuven in Belgium, describe how they designed and tested the implant in a paper published in the journal European Cells & Materials.

Posted on Oct. 11th 2017, by Dental, in Individual Dental Insurance Plans, No Comments »

Dental 4 Less, Use of Dental Prostheses

The quality of today’s dental prostheses (dentures and partials) can help persons who have lost some or all of their natural teeth improve their quality of life by restoring lost function and esthetics.

Posted on Oct. 7th 2017, by Dental, in Individual Dental Insurance Plans, No Comments »
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