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. Currently, we pay the dentist upfront for the total cost of our dental services and wait for the insurance company to refund us. The problem is we don’t always have the money to pay in full, which is why we got the insurance in the first place. 

Having to pay the dentist in full upfront is keeping us from going to the dentist, and at that point, I do not see spending $125.00 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 distressing, especially concerning how the claims get 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. Consider talking to your dentist if you like the plan benefits and coverages overall and if it’s just about how claims are paid. 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. That is why numerous dental practices have resorted to charging their patients the full amount and requiring them to submit claims to their insurance company to reimburse the portion owed to 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, only some 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.

Affordable Dental Care: Tips for Maintaining Oral Health Without Breaking the Bank

Ensuring proper dental care is essential for maintaining overall health, and avoiding necessary procedures due to cost can be detrimental. To help with the affordability of dental care, we have compiled a few suggestions that may be useful to you. Please find the tips below regarding a PPO or Indemnity dental insurance plan.

1) Find out how the dental office files a claim: Talking to the dental office about their claims process is essential in understanding what is expected of you before receiving dental services. You should find out how the dental office processes claims and what upfront cost they expect from you. 

Some dental offices may require you to pay the total cost of the dental services upfront and then submit your claim to the insurance company for reimbursement. In contrast, others may charge the insurance company directly and only bill you for the remaining balance. 

Knowing your financial obligation before receiving dental services is crucial, as this can help you budget your dental costs accordingly. Additionally, ask about any payment plans or financing options that the dental office offers to help you cover the cost of your dental services.

If you are unsatisfied with your current dental office’s claims process, consider switching to a different provider offering more favorable payment terms. Many dental offices are willing to work with their patients to find a payment plan that fits their budget, so don’t hesitate to ask about your options.

By understanding your dental office’s claims process and what is expected of you before receiving dental services, you can take control of your dental health and ensure you get the care you need without breaking the bank.

2) Payment Plan: Another option to consider is a payment plan. Some dental offices offer payment plans for patients to pay for their dental services over time. You can ask your dental office if they offer any payment plans and if they have any discounts available for paying in total upfront.

Additionally, you can inquire if the dental office will charge you based on your insurance coverage. You will be billed for adjusted differences after the insurance company pays them. By asking these questions before receiving dental services, you can budget your costs accordingly and be prepared for any financial obligations.

It’s essential to communicate with your dental office about your financial situation and any concerns you may have regarding payment. Many dental offices are willing to work with their patients to find a payment plan that suits their budget, so don’t hesitate to ask about your options.

3) Get a Cost Estimate: Dental care services can be expensive, especially if they involve complex procedures or treatments. As a responsible patient, it’s essential to know the costs involved and plan accordingly. Before undergoing any dental care service that costs more than $200.00/$300.00, requesting an estimate of coverage cost from your dental insurance company is a good idea. 

This estimate will help you understand the coverage your insurance company will pay for the service and the out-of-pocket costs you’ll be responsible for. Understanding the service’s total cost in advance can help you plan your budget accordingly and avoid any unpleasant surprises later on. 

It’s worth noting that dental insurance policies can vary widely in terms of coverage and limitations. Hence, reviewing your policy carefully and asking questions if you need clarification is essential. Also, remember that some dental services may not be covered by insurance at all, so it’s necessary to understand the total cost upfront. 

By requesting an estimate of coverage cost from your insurance company, you can make informed decisions about your dental care and avoid any unexpected bills.

4) Budget Dental Cost: Budgeting for dental care costs is an excellent way to ensure that you can afford the care you need when you need it without breaking the bank. While having dental insurance is a fantastic start towards reducing dental care costs, the cost associated with dental care may still be challenging to manage if you do not plan.

One simple way to budget dental care costs is to set aside a small amount each pay period. For example, you could set aside $20.00 each pay period or whatever amount you can afford. The key is to use that money only for dental care and avoid dipping into it for other expenses.

If you get paid twice a month and budget $20.00 per pay period, that’s $40.00 per month and $480.00 per year. If you only need preventive care in a year, which is typically free or at least under $100.00 (with insurance), continuing to save this amount will help pay for more extensive dental needs in the future. The more you can put aside each pay period, the more you will have towards larger dental care costs.

By budgeting for dental care costs ahead of time, you can feel more in control of your dental health and avoid the financial stress that can come with unexpected dental expenses. 

5) Change Dentist: If your dentist is not willing to work with you on payment options and you find it challenging to pay for dental services in full, it may be beneficial to look for a more flexible dentist. We understand that dentists need to get paid for the services provided, but not everyone can pay for those services upfront, which is why many people consider payment plans an option. 

Some dental offices offer payment plans for patients to pay for their services over time. You can ask the dental office if they have any payment plans or if they would be willing to create a payment plan that works for your budget.

Another option to consider is financing through third-party companies that specialize in dental financing. These companies work with dental offices to provide payment plans and financing options for patients who need them. Working with a financing company allows you to get the dental care you need without paying for everything upfront.

Lastly, if you do not have access to credit cards or want to avoid incurring more debt, shopping around for a dental provider that will work with your budget may be helpful. Many dentists understand that dental care can be costly and are willing to work out a payment plan that fits your needs. Finding the right dentist may take some research and effort, but it is worth it if it means getting the dental care you need.

In summary, options are available if you struggle to afford dental services. You can look for a dentist who offers payment plans or financing options or shop around for a dentist willing to work with your budget. It is essential to prioritize your dental health and get the care you need, and finding a dentist who understands your financial situation can help you do just that.

Other Alternatives for Lower-Cost Dental Care

Here are some other options that may help make your dental care cost more affordable, but they may also require you to choose a new dentist as your provider. 

1) Dental HMO Insurance Plans: Dental insurance is an excellent way to maintain good dental health while saving money. However, the cost of dental insurance can often be a barrier for many people. Fortunately, Dental HMO insurance plans can be an affordable option for those seeking dental coverage.

One of the primary benefits of an HMO dental insurance plan is that you do not have to file claims. HMO plans have already negotiated rates with the dentists in the plan network. The plan providers have a fee schedule for each covered service, which outlines the costs. Therefore, you only have to pay the reduced, negotiated prices when you receive dental services.

Another advantage of HMO dental insurance plans is that they are typically more affordable than other dental insurance plans. This is because HMO plans limit the dentists and facilities you can use to those within the plan’s network. As a result, the plan providers can negotiate lower rates with these dentists and facilities, which results in more affordable dental services.

While you may have to pay in full when you receive dental services, the negotiated prices are generally much more affordable than what you would pay without insurance. However, if you still find it challenging to pay for your dental services upfront, ask your dentist if they offer a payment plan option.

In summary, HMO dental insurance plans can be an excellent option for those seeking affordable dental coverage. With no claims to file and reduced, negotiated prices, HMO dental plans can help you stay on top of your dental health without breaking the bank. If you’re looking for a way to save money on dental services, an HMO dental insurance plan may be worth considering.

2) Dental Schools: Dental schools can be an excellent resource for saving money on dental care costs. Dental schools offer low-cost or free dental services to the public as part of their training programs for future dentists.

While it may seem daunting to receive dental services from a student rather than a licensed dentist, dental students are supervised by experienced dentists, ensuring that patients receive quality care. In fact, dental schools have some of the most advanced and up-to-date dental equipment and technology available, making it an attractive option for those seeking affordable dental care.

In addition to offering basic dental services such as cleanings and fillings, dental schools also provide more specialized treatments such as root canals, crowns, and implants, all at a fraction of the cost of a traditional dental office. Patients can expect to save anywhere from 30 to 50% on dental services when visiting a dental school.

It is worth noting that dental school appointments may take longer than appointments at a traditional dental office, as the students are still learning and may take more time to complete procedures. However, this extra time is often reflected in the lower cost of services.

To find a dental school near you, you can search online or contact your local dental association for recommendations. It is also important to note that dental schools may have specific patient requirements, such as a need for certain dental services or a willingness to participate in student evaluations.

Overall, utilizing the services of a dental school can be an excellent option for individuals looking to save money on dental care costs. Not only can it provide affordable dental care, but it can also contribute to the education and training of future dentists.

Get affordable dental care with our comprehensive insurance plans – Contact us today for a free quote.

I hope that the information provided was helpful and informative. Remember, ensuring proper dental care is essential for overall health and well-being. By understanding your dental insurance plan and knowing your financial obligations before receiving dental services, you can take control of your dental health and get the care you need without breaking the bank.  

Thank you for contacting us regarding dental insurance plans and tips for affordable dental care. At DentalOpinions.com, we understand the importance of having access to affordable and comprehensive dental care. That’s why we offer a range of dental insurance plans to meet your needs.

If you have any questions about our dental insurance plans or would like a complimentary dental insurance quote for you and your family, we encourage you to call us. Our knowledgeable representatives are available Monday through Friday from 8 a.m. to 4 p.m. to answer your questions and help you find the plan that best fits your needs and budget.

Don’t let the cost of dental care keep you from maintaining good oral health. Contact us today at 310-534-3444 to learn more about our dental insurance plans and how we can help you get the care you need at an affordable price. Thank you for considering DentalOpinions.com for your dental insurance needs.

Ten million are affected by Osteoporosis which is a disease that decreases bone density and weakens bones. In addition, more than one-third of females over age 65 display signs and symptoms of the disease.  Many individuals inflicted with osteoporosis are not diagnosed until a fracture occurs. In addition, they are unaware that oral-health problems, such as tooth loss and gum disease, are early signs that help their dentist to suspect osteoporosis. This according to a report published in the May/June 2004 issue of General Dentistry

If you do not currently have dental insurance and you need a dental bridge, then cost can be a factor.  Buying dental insurance to reduce the cost is a good idea.  However make sure you are buying the right plan for this need.

Normally dental insurance plans such as PPO or Indemnity will have long term waiting periods for dental services such as bridges.  That is important to understand that if you buy these types of dental insurance plans in order to stay with your current dental provider,  you may not have any benefits for the dental service you currently need.  When buying PPO or Indemnity plan it best to think ahead and have it in force prior to any major dental issues.

Therefore in cases such as this you would want to review dental HMO insurance plans or dental discount plans as an option to help reduce your dental care cost on bridges. Yet keep in mind although most HMO insurance plan offer benefits for bridges cost of having dental bridge work under the insurance plan will very depending on many factors.  To get a better idea of cost before buying a dental HMO plan then it is helpful to know the ADA codes that are necessary in making the bridge. That means seeing a dentist for a consultation and treatment plan before buying a dental insurance plan. Doing this will help you compare many plans and cost for your needed dental services, letting you pick the best plan for your current dental needs.

According to research done it indicates that the cavity-causing bacteria known as streptococcus mutans can be transmitted from mothers to infants even before their teeth erupts. Therefore the better the mother’s oral and dental health is, the less chance the baby will have problems.

 

Not to worry even if you do knock out a tooth and it is too late to save the tooth you do not have to lose your smile.  Due to many advances in dentistry you can have a dentist replace the tooth.  One such option would be with a dental implant. A dental implant is a freestanding artificial tooth which is anchored directly onto your jawbone, and with a porcelain crown attached, to aid in biting, chewing, and for esthetic reasons.

The Academy of General Dentistry (AGD) and Oral-B Laboratories released a survey that show many Americans are neglecting to take care of their teeth during the workday.

According to the survey it found that more than three-quarters of respondents are eating twice or more a day at the workplace, while only 14 percent of respondents are brushing every day at work.

Another interesting thing found in the survey is while only 14 percent or the respondents where brushing, 40 percent ranked “smile” as one of the first thing they notice about a person at work.

While many people many know the basic tips for staying healthy and feeling well is by having a balanced diet and exercise.  However did you know your oral health can play a big roll in your overall health?  By having good oral health care habits you can maintain not only good oral health but over all wellness.

Significant link between smoking and gum disease. According to a new study done at Ohio State University, smoking causes the body to turn against its own helpful bacteria.  The study shows how cigarette smoke also wipes out good bacteria in the mouth making the tissue much more susceptible to attack from bad bacteria, which leaves smokers more vulnerable to gum disease, and tooth decay.

How the American Dental Association describes how to floss correctly:

* Start with about 18 inches of floss. Wrap most of it around the middle finger of one hand, the rest around the other middle finger.

* Grasp the floss tightly between your thumbs and forefingers, and use a gentle shoeshine motion to guide it between teeth.

* When the floss reaches the gum line, form a C shape to follow the contours of the tooth.

* Hold the floss firmly against the tooth, and move the floss gently up and down.

* Repeat with the other tooth, and then repeat the entire process with the rest of your teeth, “unspooling” fresh sections of floss as you go along.

Often times there are people that will think that food does not get caught between their teeth so flossing is really not needed.  However they would be wrong, because flossing is not so much about removing food bits between teeth as it is about removing dental plaque that forms on tooth surfaces between cleanings. Dental plaque is what causes tooth decay, inflamed gums, periodontal disease, and eventually tooth loss. Flossing is an effective way to remove plaque between teeth.

People who have arthritis can often time have limited hand motion and may find it harder to hold and use a toothbrush. Here are some tips that may help.

* Use an electric or battery-operated toothbrush. An Electric toothbrush will make brushing easier and now they are being made lighter so they are also easier to hold on too.

* Slide a bicycle grip or foam tube over the handle of the toothbrush, do this will make the tooth brush easier to hold

* Buy a toothbrush with a larger handle.

* Attach the toothbrush handle to your hand with a wide elastic band.

Even though many people brush their teeth daily they may not be brushing correctly, thereby not get the full benefit from brushing. Here are the steps to correctly brush your teeth.

* Gently brush your teeth on all sides with a soft-bristle brush and fluoride toothpaste.
* Use small circular motions and short back-and-forth strokes.
* Take the time to brush carefully and gently along the gum line.
* Lightly brush your tongue to help keep your mouth clean.

For the most part it does not take a lot in order to prevent gum disease. Here are a few things you can do that will help prevent gum disease as well as maintain good oral health care.

* Make sure to brush your teeth twice a day every day with fluoride toothpaste.
* Floss at least once a day.
* Visit your dentist regularly (normally at least twice a year) for a checkup and cleaning.
* Eat a well-balanced diet.
* If you smoke, quit smoking. Smoking increases your risk for gum disease.

 

Some of the sings and symptoms of dry mouth can include

* Trouble speaking
* Eating or Tasting food
* Swallowing
* Dry mouth may cause chapped lips
* Persistent cough
* White Tongue
* Fungal infection like yeast
* Burning tongue
* Gum disease
* Dental decay

Although diabetes can cause many different health issues one effect that it has on your dental care is dry mouth. One sign of diabetes is often chronic dry mouth, which occurs when blood sugars are high and uncontrolled diabetes. When this occurs, ketones lose fluid or inadequate saliva is produced in order to keep your mouth moist. The end result is severe dehydration and dry mouth as well as difficulty chewing and swallowing food. If you are a diabetic make sure to talk to your dentist about proper dental care in order to maintain your dental health.

 A poor diet along with bad dental hygiene habits can lead to cavities and decay along he gum line. This gradual dental decay will result in reduced saliva production beneath the tongue, and eventually chronic and uncomfortable dry mouth, which will exacerbate tooth and gum rot even further. Make sure to visit your dentist regularly and maintain good dental habits in order to maintain good dental health and avoid dry mouth issues.

One way to help or avoid dry mouth is to drink plenty of water throughout your day. By being dehydrated, can be enough to dry out the mucous membranes in your mouth, decreasing your saliva. If you tend to develop dry mouth with physical activity, it is important to carry a water bottle with you at all times to combat dry mouth and nose.

Prolong dry mouth can start to cause dental issues like bad breath, periodontitis, and dental decay. Certain medications such as chemotherapy drugs to treat cancer are linked to dry mouth. However, the most common culprits as far as drugs are antihistamines and anti-depressants. If your prescriptions are causing dry mouth, talk to your doctor about swapping to another. In addition make sure to see your dentist regularly to prevent dental damage due to dry mouth.

In a prior post it when over the proper way to brush your teeth. However it dose not stop there. Now that you know the proper way to clean your teeth, be sure to floss and use mouthwash daily.  You also want to replace your toothbrush every three to four months.

The five steps to cleaning your teeth, according to Oral-B

1) Starting with the inside and outside surfaces of the teeth, make sure to brush at a 45 degree angle in short, half tooth wide strokes against the gum line.

2)Next is you will want to brush the chewing surfaces of your teeth. Hold the toothbrush even against the teeth and move it in a forward and backward motion. Making sure to get both sides to and bottom.

3) Your front teeth, you  will want to brush vertically and use gentle up and down strokes with the tip of the toothbrush.

4)Your gum line also needs to be brushed, toughly yet gently.

5)The last step is brushing your tongue. Moving from the back of the tongue to the tip, use a sweeping motion to remove food particles and help remove odor causing bacteria to freshen you breath