There are several dental insurance options to choose from when you shop for individual dental plans. HMO network dental insurance plans, PPO dental plans, Free choice of provider plans as well as Dental Discount plans. Each plan types can fit different dental needs depending on what type of coverage’s you may want and what you can afford to spend on a plan.

Read the rest of this dental post »

Things to Keep in Mind Before Choosing Your Dental Insurance Plan. Dental insurance is a good way of controlling your dental care cost. By choosing your dental insurance plan carefully you can receive your dental care services at a considerably lower cost than the charges you will have to pay without dental insurance. The key is choosing the right plan that fits your dental needs the best.

Read the rest of this dental post »

Make sure you understand there is a different between a family/general dentist and a specialist.

Though many dental discount plans do offer a flat saving up to 20 percent or more on their specialist, the schedules that are listed are normally for the family/general dentist within the plan network.

Read the rest of this dental post »

Some dental discount plans make you pay in full for one year where others may provide you with a monthly payment option. Pick the plan the best fits into your budget.

Dental discount plan required that you see a dentist in the plan network. (THERE IS NO OUTSIDE NETWORK SAVINGS) Therefore you want to review and compare dentist within each plan. Making sure you have dentist in your area under the plan before buying one. I suggest always calling the dental office. Not only to confirm they are still accepting the plan in question but also in order to asking any question you feel is important in picking a dentist to go to.

Read the rest of this dental post »

Compare the Fee Schedules That are Provide for Each Plan. Some plan have short fee schedules then others and since they are different companies that means they each have their own fee schedules showing your discounted cost for dental services. Since many dental discount plans will give you about a 20 percent saving of dental services not list you only need to compare services that are listed.

Read the rest of this dental post »

When thinking about buying a dental discount plan what you should know in picking the best dental plan for you and or your family. Most dental discount plan may work the same in the fact that they provide dental discount saving on your dental care needs for a low monthly cost of the plan. However not every dental discount plan will work for your needs. Tips to making sure you buy the right dental discount plan.

Read the rest of this dental post »

Many people still do not floss and brush their teeth regularly. If you are one in the many, here is just another reason to start taking preventive dental care more serious. Forget your nagging dentist that keep telling you that you are not flossing good enough. Here is something that may really scare you into proper gum and oral health care. An increasing number of employers are reducing or even dropping dental benefits. Which means that you could be paying more more for your next dental care visit. With more employers making their workers pay more for their dental benefits for a family this can set you back up to hundreds per year. This is even worse if they drop dental benefits altogether and you are having to pay cash for your dental care needs.

Read the rest of this dental post »

As best as you can know what type of dental care you or your family needs before buying a dental plan. Think of your current dental needs as well as an future dental care needs. If you have children try to get a dental plan that offer some coverage’s for orthodontic care if braces are ever needed in the future.

Read the rest of this dental post »

Know what is not covered under your dental plan. Be aware of any restrictions when choosing your plan. Such as: No specialist, No preexisting (Missing Tooth clauses) No work in progress. Many dental insurance plans will not offer coverage’s on cosmetic dental services such as whiting or veneers or implants. Other restrictions on coverage’s could include treatments of complicated periodontal disease requiring surgery involving bones, underlying tissues or bone grafts.

Read the rest of this dental post »

Does the plan provide benefits to patients who may also be covered by another dental insurance plan? Not all dental plans offer dual benefits. So when searching for a secondary dental plan make sure both plans allows for coordination of benefits. Also make sure you are seeing a dental provider that is willing to process dual plans.

Read the rest of this dental post »

Does the dental plan allow referrals to specialists? Not all dental insurance plans cover the cost for dental specialists. There are times when a dental services such as root canal or tooth extraction requires a specialist. In such cases does the plan offer coverage’s to specialist? If so what are the coverage’s for specialist? In many cases coverage’s are reduce when seeing a specialist so this is important to know and understand before buying a dental plan.

Read the rest of this dental post »

Know the plans coverage’s and limitations. Many plans like PPOs or Free choice of provider plans have maximum annual dollar limitations, waiting periods and deductible. Many of these types of plans out based on percentage up to UCR (Fair and Reasonable or Maximum Allowable Charge) for the different dental services. Where other dental plans may schedule out the cost for services showing the cost a member pays for each type of dental service covered.

Read the rest of this dental post »

Know the plan benefits and what is cover and who controls any treatment decisions. There are many dental insurance plans that require dentists to follow treatment plans that rely on a least expensive alternative treatment approach.

Read the rest of this dental post »

Does the plan give you the freedom to choose your own dentist or are you restricted to a network of dentists selected by the insurance company? This is important to know if you are trying to stay with a family dentist that you are satisfied with. In the same regards it is important to know what types of dental plans your dentist takes and whether or not they are a network provider of any plans.

Read the rest of this dental post »

When buying a dental insurance plan there are many factors that should be looked at so that you get the best plan for you and or your family. One of the primary focus should be to determine whether the dental plan coverage’s will satisfy your dental care needs. Ask these questions to yourself when reviewing a dental insurance plan and know the answers before buying one. Doing this can save you money as well as any unnecessary grief.

Read the rest of this dental post »

Medical insurance is primarily designed to cover the costs of diagnosing, treating and curing serious illnesses. This process can normally includes a primary care physician and multiple specialists, a variety of tests and multiple procedures to be performed by doctors and laboratories, as well as medications. Rating medical insurance depends on the health, age and attitudes of people in the medical coverage group, so costs can fluctuate widely.

Read the rest of this dental post »

Most dental ailments are preventable, unlike medical which can be both unpredictable and catastrophic. With dental preventive care would including regular dental checkups and cleanings. By having regular visits to the dentist, problems can be diagnosed early along treated without extensive testing or elaborate and expensive procedures. Which helps keeps the costs of dental care much lower than those of medical care. In fact, total spending for dental care is decreasing. In 1970, it made up 6.3 percent of total health care expenditures. But in 1991, dental care’s share of health care spending was only 4.9 percent.

Read the rest of this dental post »

Tom’s of Maine invites parents to take a second look at their child toothpaste and consider changing form a saccharin to strawberries.  Toms of Maine offers toothpaste that has no artificial dyes or sweeteners, a silly strawberry toothpaste that has real strawberry flavor derived from strawberry extracts and other natural flavors and is the first and only natural kids toothpaste to earn the American Dental Association’s Seal of Acceptance for cavity prevention.

Read the rest of this dental post »

Your child dental and oral health is important to maintain not only for healthy teeth and gums but for overall wellness.  According to past studies done: In California alone, 504,000 children missed at least one school day in 2007 to a toothache or other oral problems.  

Read the rest of this dental post »