For some people shopping for dental insurance can become confusing. They do not know if the dental services they want are covered under the plan they may be reviewing. How can you ensure that you buy a dental plan that covers the dental service you may need? Know your ADA codes. ADA codes are codes used by the dentist and the dental insurance company so that the insurance company knows what dental services are being provided. So when shopping for dental insurance, ask your dentist for the dental ADA codes they may be quoting for you whenever possible. Also, not all the ADA codes may be listed on the company fee schedule so if you do not see call the company and confirm if it is covered before buying the plan.
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Our website offers a dental discount plan through Aetna. Dental discount plans are a good low-cost dental plan option. They do not have many limitations that dental insurance plans may have. Many of our dental discount plans start within the next business day of your online enrollment, which is very good for those in dental pain since they can see a dentist immediately. Dental discount plans are not for everyone. But they are a good way to reduce all your dental needs at a very affordable cost.
When deciding between dental discount plans, carefully review their fee schedules. The fee schedules show the discount prices on what you pay for each dental service listed. You also want to make sure there is a dentist in the dental plan you want to go to. There is no outside network benefits. I suggest calling the dentist listed and confirming they are still accepting the plan and new members.
When you have a dental insurance plan where you are dealing with the filing of claims, it is important to understand the claims process. Know how your insurance company handles claims and how the dentist your pick files out your claims. Problems arise when you do not clearly understand your dental insurance and how claims are paid. As well as when you do not know how the dental office is going to make you pay and how they file out claims.
Many PPO plans or free choice of dentist plans state they pay out a certain percentage for preventive, basic and major services. However, that percentage is normally up to the UCR or MAC rates for dental companies. Knowing that is important and a good idea is to submit dental services to the claims department as a quote only before any dental work is started. That way you always know your true cost for the dental services before committing to it. It is equally important to know how the dental office is going to file your claim.
Do not assume that the dentist will not charge you the full amount for the dental services. Making you wait for your refund back from the dental office. This is a mistake often made and normally, it is after the fact. Causing many people to be upset. Ask the dentist what they expect you to pay and how before work is started. Do they file the claims for you, or do you need to file them? Knowing all this ahead of time will keep you from any unexpected billings and from
When looking for what they think is “Full Coverage Dental Insurance” it is essential to determine what “Full Coverage” means to you. Full coverage can mean different things to different people. So what does “Full Coverage” mean to many other people I talk to and me? Simply put, I would pay X dollar monthly (whatever that would be), and all my dental services would be paid in full. There would be no dental service rendered that would not be covered, and I only have to pay the monthly cost for the plan. I have yet to find a dental insurance plan that works this way. However, if you do, I would love to know about it.
That is why I never use the term Full Coverage when talking to people about dental insurance. Instead, I try to find out what the person feels are their current and future dental needs and try to fit dental insurance or dental discount plan that will best address their dental needs. My best advice when looking for dental insurance is to read, then read, some more. Make sure you know what you will get from the dental plan. If there is still something you do not understand, then call the company up and ask all the needed questions so you can feel good about the dental plan you decide to get. Forget about looking for full coverage and instead look for a dental plan that will fit your dental needs the best. Sometimes to do that, you may have to get more the just one dental plan. You may want to combine plans that make the best sense for your needs. We are here to help you with any dental insurance and or dental plan that this website offers in your state. If you have questions, we look forward to your calls. So please call member services at 310-534-3444 CA time 8-5 M-F. We be happy to help
Did you know if you are missing one or more teeth, you may see a difference in your chewing and speaking? You may even notice a difference in your face and profile. For many people missing teeth can cause low self-esteem. Making people smile and laugh less for fear of people seeing their teeth. Proper dental care can and will help fix your teeth. Bridges will not only improve the gap caused by missing teeth but will restore the shape of your face and alleviate the difference in your bite. A dentist could also advise fixed or partial dentures when needed. Bridges and partial will look just like your regular teeth and give you back a smile you want to have.
Another is dental implants which is usually more costly but would be dental implants. Dental implants are artificial teeth that attach directly to the jaw. Not everyone can have implants, but a dentist can advise if that is an option for you. Talk to a dentist about your dental options and see which one you feel will be best for you. Most dental insurance plans will cover a portion of the cost for dental bridges, partials, and or dentures. At this time, it is still hard to find dental insurance that offers coverage for dental implants. Therefore when it comes to implants, you may want to review dental discount plans for cost savings. However, read your dental insurance plan terms and conditions, and when in doubt, call the company so you can know for sure what you are and are not covered for. Keep us in mind for any of your dental insurance dental plans needs. We are here to help you get the best dental plan for your current dental needs.
Many people are dealing with Gastroesophageal reflux disease, which is a common condition. Acid Reflux is when stomach acid is refluxed up, which may cause problems to your esophagus, oral health, and teeth if left untreated. Regarding oral health care, acid reflux can cause enamel erosion, which can lead to tooth decay and other dental issues. Acid reflux can also cause bad breath issues. So it is not only essential to speak to a doctor when dealing with acid reflux but also talk to your dentist. Let your dentist know that you are dealing with acid reflux. That way, they will learn to check more carefully for signs of tooth enamel erosion and wear on fillings. You may want to see a dentist more the just twice a year if you have constant acid reflux issues. Stomach acid will quickly damage teeth if you do not stay on top of your oral health care. You will want to see a doctor to control your acid reflux and see a dentist regularly to maintain your teeth’ health. Also, here is a good tip that may help you when acid reflux comes up in your mouth. Immediately after, do not brush but rinse with baking soda. Baking soda will help neutralize the effects of the stomach acid that comes up into your mouth. Keep a record of food that makes you more sensitive to getting acid reflux and try to limit yourself on those foods.
Although fillings can last many years, they may not always last forever. Without knowing, you can wear down a filling by constant pressure from chewing when eating. Other people also may grind or clench their teeth knowingly or not, which will also cause wear on fillings. People who grind their teeth when they sleep should wear a night guard to protect their teeth. You may not be able to see the wearing down on your fillings, but a dentist can. Usually, a dentist can spot weaknesses in fillings during your regular checkups.
Without regular checkups filling wear will go unnoticed. If the seal between the tooth and the filling breaks down, you are leaving your tooth open to new decay, which can get under your filling. If left untreated, the decay can progress to the dental pulp and may cause infection or abscess. Dental decay can lead to more significant dental services, such as a root canal. You can see the importance of regular dental visits. Many times, people do not know this is going on until they start tooth pain. Preventive dental care not only saves you from unwanted dental pain but, in the long run, will save you from having higher-cost dental services. Keep in mind that many low-cost dental insurance plans, such as HMO, offer free office visits, checkups, X-rays, and cleanings. By buying and using dental insurance, you can save money and help keep a beautiful smile.
Teething at Four Months – Dental 4 Less
Question: My son turned four months old, and I think he is already teething. He is our first child, so we are not sure when a baby will generally start teething. Can they have teeth at four months? Should I take him to see a dentist or a doctor?
Reply: Some babies start to teeth as soon as three months, so do not worry if your baby is teething at four months. Some signs of teething would be: Drooling, Sucking on their hands and fists, fussing more, sleeping less, and all kinds of good stuff. There are teething products you can get at most stores, or if you have it, Baby R Us is a good place to go too. If you are worried about the teething process, you can either go to your baby’s doctor or pediatric dentist either one should be able to help you. Go to the one you feel is the best
Most dental insurance plans cover preventive dental services such as general or basic cleanings at no cost. The standard dental term used for this type of cleaning is dental prophylaxis, a scaling and polishing procedure performed to remove coronal plaque, calculus, and stains.
Question: I went to the dentist the other day and had no cavities, which I thought was good since I had not seen a dentist in many years prior to this point. I was told by the dentist that I do have gum disease and that I need to see a Periodontist. Why would I need to see a Periodontist? I am not sure what that is, but I am guessing it has to do with my gums. Why can not the dentist do a deep cleaning that I thought you would get when people have gum issues? I do not have dental insurance, and I know if I go to one of those Periodontist people, it will cost me way more than I can afford. Is it all that important that I go? After all, my teeth are fine, and my gums do not hurt me.
Reply: One thing you may want to keep in mind is that when you go to a dentist, the dentist is not thinking about whether or not you can afford to do what they suggest. The dentist is telling you only what they feel is the best thing for your oral health care. A dentist would not refer you to a specialist if they did not believe that would be the best thing for you.
You need to tell the dentist that you can not afford to go to a specialist right now, so you need to do the next best thing. The dentist may tell you how important it is to see a specialist. However, if it comes down to it, they know it would be better for them to do what you can afford to have done than for you to do nothing. Dentists can not read your mind. If you do not explain to them what you can and can not afford to do, then do not get upset because they are telling you something costly, and you can not afford it.
Why should you see a dentist for regular dental checkups?
Your dental checkups consist of more than just X-rays and cleanings. The dentist is looking at more than whether or not you have any cavities or if you have been flossing well enough. Dental checkups also include oral cancer screenings. The dentist or hygienist will also check for any signs of oral cancer.
Oral cancer is a severe dental disease that claims lives daily. However, it is often highly curable if diagnosed and treated in the early stages. Many people do not have regular dental checkups due to a lack of dental benefits through their jobs or the cost of dental services and feeling they can not afford to go to the dentist.
Sometimes, you can not afford not to go to the dentist. On this website and in every state, we offer low-cost dental plan options, either by providing low-cost dental insurance plans or dental discount plans. Both will make dental care more affordable.
If you have Gum Disease and no dental insurance currently, you may want to look into buying a dental HMO insurance plan. Dental HMOs are typically a lower-cost insurance plan option. More importantly, however, they generally do not have waiting periods. Having no waiting periods is essential for gum disease, as you will want to treat it as soon as possible before it becomes an even more significant dental care issue.
A growing body of evidence suggests gum disease could also play a role in a surprising range of seemingly unrelated health problems.
Heart Disease: Although not everyone with heart disease has gum disease, and not everyone with gum disease has heart disease, there does appear to be a correlation. Whether gum disease is an independent risk factor for heart disease is still being discussed, and there are some theories on how the two might be related.
Cancer: Gum disease and cancer do not, on the surface, appear to have much in common. According to a study published in 2008 which investigated tooth loss and cancer in 48,375 men, the authors concluded that there was a link between gum disease and cancer. Another study involving more than 68,000 adults found a strong association between gum disease and cancer risk. The link was also significant between gum disease and pancreatic cancer.
If you have gum disease, it is important to have dental insurance in place to help you with the cost of dental care. If you want to stay with your current dentist, a dental PPO plan will let you do that. However, remember that many PPO plans to have waiting periods for major dental care services and treatment of gum disease, in most cases, fall into major services. Therefore you need to beware of the plan’s waiting periods or buy one with no waiting periods. PPO plans without waiting periods tend to be more costly than those that do, so get what best makes sense to you and your budget
In California, many good dental discount plans are available.
On our website, we offer a discount plan through Aetna. Dental discount plans are an excellent low-cost dental plan option. They do not have many limitations that dental insurance plans may have. Many dental discount plans start within the next business day of your online enrollment, which is very good for those in dental pain since they can see a dentist immediately.
Dental discount plans are not for everyone. But they are an excellent way to reduce all your dental needs at a very affordable cost. When deciding between dental discount plans, carefully review their fee schedules. The fee schedules show the discount prices on what you pay for each dental service listed. You also want to ensure a dentist in the dental plan you want to see since there are no outside network benefits. I suggest calling the dentist listed and confirming they are still accepting the program and new members.
Affordable Dental Plans – HMO’s Insurance and Dental Discount Plans
Affordable dental insurance plans from an HMO have a limited pool of dentists to select from, but it is a more affordable insurance plan. A discount dental plan may be an alternative if you are self-employed and looking for a more affordable dental plan.
Discount dental plans are not dental insurance plans. A discount plan partners with dentists to give customers savings on visits to the dentist’s office. Discount dental plans are not regulated, and you have limited recourse if you experience dental plan problems.
Gingivitis means inflammation of the gums. It commonly occurs because of a film of plaque, or bacteria, that can accumulates on a person’s teeth. Gingivitis is a non-destructive periodontal disease, but untreated gingivitis can progress to periodontitis. Periodontitis is more severe and can eventually lead to the loss of teeth. By having good at-home dental care habits i.e: brushing and flossing daily, and seeing your dentist for preventive dental care services twice a year, you can generally avoid gingivitis issues
Question: I have been searching online for a dental insurance plan, and I notice that many websites seem to have many of the same dental insurance plans, yet they do not all have the same price. How can I make sure I am receiving the best dental insurance quote? I do not want to pay more than I have to.
Reply: Understandably, you do not wish to pay more for the same dental insurance plan. However, even though many dental insurance plans may seem the same, they are more likely not if the price is not the same. Insurance rates are filed with the Department of Insurance; therefore, a plan’s monthly or annual cost does not change due to who may be selling it. Assuming it is, in fact, the “same plan.” There may be a difference in fees if the selling agent adds any charges on their end. So look for fees costs. That said, you want to review each plan carefully. For example, Just because you saw a Delta dental plan offered on one website does not mean it is the same one you saw on a prior site. Delta Dental has many different insurance plan choices, and not everyone is selling the same plan that Delta dental may offer.
Question: I am looking for a dental insurance plan that would cost no more than $30.00 a month. Are there any dental insurance plans that would fit within my budget
Answer: I would say most HMO dental insurance plans would fit that budget for an individual. We offer dental HMO plans in most states. Check out what we have available to you by Calling our office at 310-534-3444 M-F 8 am – 4 pm
At Home Teeth Whitening, Putting Teen’s Dental Health At Risk Dentists are worried that teenagers are putting their teeth and health at risk by trying dangerous do-it-yourself (DIY) teeth-whitening techniques found on the Internet. Children mixing up quantities of chemicals and applying them for long periods are at risk of eroding tooth enamel, damaging gums, and increasing the chances of infection. Ironically the erosion may expose the yellow-colored dentin that lies beneath the enamel.
In a study of blacks with normal kidney function, those with severe periodontal disease developed chronic kidney disease (CKD) at four times the rate of those without severe periodontal disease. The study was presented at ASN Kidney Week 2014, November 11-16, at the Pennsylvania Convention Center in Philadelphia, PA.
Study Shows Tooth Loss Linked to an Increased Risk of Dementia
According to a study of 1566 community-dwelling Japanese elderly, who were followed for five years, the risk of developing dementia was elevated in individuals with fewer remaining teeth. Their findings emphasize the importance of dental care and treatment, especially in terms of maintenance of teeth from an early age to reduce the future risk of dementia.
Question: I have a dental HMO insurance plan where I have to choose a dentist from the plan’s network of providers. I live in an area where I had about a dozen dentists to choose from, so I picked the dentist that was closest to me. The issue I have is that the dental office was not as clean as I would have wanted. Also, the staffing was rude to me and I had to wait over 45 minutes after my appointed time. I did not mind the dentist. He did good work. It is kind of hard to mess up a cleaning since that is all I needed. I am upset that even though my plan let me change my dental office, I was out another month before the change would come though. I wanted them to credit me for the month since I was not able to use the plan, but they would not. I think they should, since it is the plan’s fault for having bad dental offices on their list. Mad about waiting and would like to complain about this dental office so that other people do not choose them. Should I tell the insurance company about my problems?
Reply: It is not unheard of that dental appointments run late. A suggestion to help avoid that in the future is to call about an hour before your dental appointment to confirm if they are running on time. I am not sure what the real issue is. Is it with the dental office or the insurance company? You stated you did not like the staffing of the dental office and the place was not as clean as you would have wanted it to be. Yet the dentist was nice enough and did a good job. Therefore, you had some work done at the time of the visit. However, due to the issues you had, it sounded like to me that you had the insurance company change your provider. Typically, a change like that will be effective the following month. Unless there is a dental issue that needs to be addressed ASAP, it really should not be an issue due to you already having your preventive care done. How do you find any benefits? I really do not see the issue with the insurance company. As far as the dental office, I guess you can complain to the dentist about the staffing and how the place was not clean, but since you changed to a different provider, I do not see the point of complaining. I say chalk it up to a bad thing and hope the new provider is a better fit for you.
Question: I am 23 and my job does not offer any dental insurance. I need an affordable dental insurance plan for an individual. I am willing to spend $30 or so a month but find only plans that are $50 or more.
Reply: Depending on the state you are in, the cost for insurance will vary. Yet it seems like you may be reviewing dental PPO’s vs HMO’s insurance plans. You may want to search for HMO’s plans as they do tend to be less costly per month, well within your $30.00 budget for an individual. Check out your insurance plan options on this website just by entering your zip code and clicking on the start quote. If you have any questions about the plans that are provided for you for your review, please call our office at 310-534-3444 M-F 8am-4pm.
Most dental insurance plans have some type of dental provider data base. So a good start when looking for a new dentist is to use the provider data base your dental insurance plan provides. Also, in some plans, by using the network of dental providers, you receive better benefits under the plan. However, you may still want to call the dental office to do further research on the potential dental office you have found.
Here are a few tips on what to ask when searching for a new dentist.Ask about the dentist’s educational background and credentials.
1) Ask what you should expect during the first exam.
2) Ask to make sure if the office staff goes over the treatment options and cost before work starts. It is important to make sure you have the right information, including what is covered by your dental insurance plan and your cost, before making treatment decisions.
3) How does the dental office file out claims and what is expected from you at the time of service? Some dental office may file the claim and bill you later for any unpaid balance. Whereas other dental offices may make you pay in full at the time dental services are rendered, and have you file out your own claim, so premium benefits are paid back to you.
4) Know the office hours and how patient emergencies are handled outside of regular hours.s6) Ask any additional questions that are important to you in choosing a dentist.
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