Did you know that the average personly will only brush their teeth for about 45 to 70 seconds a day?  The recommended amount of time to brush your teeth for is two to three minutes twice a day.  Don’t be Average when it comes to your dental health care habits.  If you are not sure on time brush your teeth to one of your favorit songs as most songs are two to three mintues long.

Combating periodontal pathogens Periodontitis is a common ailment. If the inflammation remains untreated, it could lead to tooth loss. However, it is also suspected of triggering many other diseases, like cardiopulmonary diseases. Researchers are studying the interactions, and developing compounds to combat the causative agents.

It is our pledge to provide individuals and families with the easiest way to compare and purchase affordable, quality family and individual dental insurance and discount protection.  How Individual Dental Insurance Works – Dental insurance works similar to how health insurance works.  Individual or family members participating in a network agree to perform services for patients at pre-negotiated rates and usually will submit the claim to the dental insurance company for you.

Our individual discount dental plans may be used along with existing dental insurance plans for even more savings on most dental care procedures. Individual discount dental plans are dental insurance options that offer attractive dental care savings.  Most people that have an individual or family dental insurance plan have it provided to them under an employer-sponsored group dental insurance plan.

Poor oral health affecting athletes’ general health and performance shows ‘no signs of improvement’ and must be remedied, say a group of health experts and sporting bodies. In a consensus statement, the authors call for action to tackle poor oral health among athletes. They say that simple measures such as encouraging better brushing and flossing could provide the same marginal performance gains as expensive physical therapies.

According to the ADA’s 2011 survey of fees it found that dentist fees in rural areas are typically lower than in urban areas. By comparison shopping for the procedure you need by calling different dental offices outside your metro area and asking about their fees you may be able to save substantial amount of money, making the drive to the dental office worth it..

If you are a self-employed person and have had the misfortune of visiting a dentist, you will immediately realize the importance of buying individual dental insurance coverage. Individual dental insurance plan help and information – InsuranceCompany.com is a specialist in dental insurance and dental discount plans, vision and prescription coverage programs for individuals

Did you know that about 51 milion school hours per year are lost becaue of dental realated illness?  Avoid your child losing important school time by making sure your child practice good at home dental care habits and that he or she see their dentist for their regural dental check ups and cleanings.  This will not only provent them from missing out on school but save you money by avoiding larger and more costly dental care needs.

Individual dental insurance is probably one of the most widely adopted private insurance plans.

Individual dental insurance provides you with the coverage you need to promote good dental health in which you can generally find customized options. That means you may have some work cut out for you as you shop our web site. For example, in California we offer over 65 dental plans to choose from which beats looking through that many places. Keep in mind individual plans is just a term used to distinguish itself from group plans which you generally get from your employer. Since obtaining an individual dental insurance plan is very affordable, many people choose to take responsibility for that coverage either as a stand-alone policy or as a supplement to their group dental coverage.

Did you know that one in three American delay their dental care because of their current financial situation, even though 80% know that delaying their dental care will cost them more in the long run.

About 60 percent of workers with income below $35,000 have no dental insurance even though there are low cost HMO dental insurance plans that run around $7.00 – $20.00 a month for an individual and $15-00 – $30.00 a month for families.  Dental insurance helps the substantially cut your dental care cost and most HMO provide preventive dental care services for free.

In addition over the past several years an increase in ER visits for dental problems resulted in over 800,000 ER Visits.  Which has only continued to increase as more people defer their dental care needs.

One cost saving option if you do not have dental insurance is to look for low-cost or free dental clinics offered in your community by local dentist volunteers. Find opportunities in your area through America’s Dentists Care Foundation. Another charitable organization with volunteer dental professionals is Dentistry From the Heart, a global nonprofit organization (727-849-2002). Or ask your state’s dental association (find it online) about low-cost care.

Sadly many people do not buy dental insurance until they need to have larger dental care services.  Then they are upset when they find out by doing that they have greatly restrict their plan options.   It is important to understand that if you are wanting a dental PPO or Indemnity plan (Free Choice of Provider) insurance plan that these types of plans normally have waiting periods for larger dental care needs.  By waiting until you have toothache before buying this type of plan you quickly find out that you may not have coverages for the very service you need. Therefore with these types of dental insurance plans it is key to think ahead.   One main benefit of buying a dental PPO and or Indemnity dental insurance plan when you are not in need of larger dental services is that if you have it you may use it and therefore also avoid the need of having to have larger dental care due to having proper preventive care services.

Dental insurance benefits vary depending on the type of dental insurance plan.  When reviewing the benefits of dental insurance especially when selecting a dental insurance plan, keep in mind there are various policy coverage options, dental plan deductibles, co-payments, limitations, restrictions and exclusions.

It is extremely important that you read the list of benefits provided by the dental insurance provider and be sure you are getting a dental insurance plan if that is what you wanted to purchase.

A reminder discount dental plans are not dental insurance plans. A discount plan partners with specific dentists to provide customers with a savings on visits to the dentist office much the same as dental insurance. The downside to discount dental plans is that they are not regulated and you have limited recourse if you experience dental problems.

Next time you are at your dentist try requesting 10 percent off. Some dentists will take up to 10 percent off the cost of a visit or procedure if you pay in full at the time of the visit.    If your dentist does not provide a discount, ask for one. A respectful and polite request has the best chance of success. Or shop around for a dentist, gathering recommendations from friends and then phoning those offices to find out if they offer such a discount.

 Question: Right now I do not have insurance and having twice a year cleaning’s do not seem all that important since I do have good teeth can I cut back to just having a check up and cleaning one a year?

Answer: If you do not have any serious dental issues, you can probably get by with one cleaning annually. According to several studies, they have indicated that visiting the dentist twice a year has no notable benefits when compared with a single visit annually. However, do not skip that annual cleaning and exam it could save you from costly and serious problems.   Also talk to your current dentist and see what he/she advise. I would additional suggest that you look into getting dental insurance. Not only will dental insurance save you money on your dental care needs but most plan provide for twice a year check ups and cleans at little to no cost.

Supplemental dental insurance is an individual or family insurance policy purchased to cover a portion of the dental costs generally up and above or beyond the primary dental plan. Supplemental dental insurance will normally not cover the entire dental care procedure. But instead is synchronized or works hand-in-hand with your basic dental policy.

If you have a primary dental insurance plan that you purchased or your employer provided, the supplemental dental policy typically covers the remaining dental bill.

For example, if the dental plan policy covers half of the dental cost, the secondary or supplement dental insurance plan should cover the remaining balance of your dental procedure subject to any co-payments or deductibles already included in the policy.

A supplement dental insurance plan may also be purchased to cover the dental charges when there are annual dental benefit plan limits or exclusions. Say your primary policy has an annual maximum benefit of $1000 you may be able to purchase a supplemental dental plan to extend this benefit.

Most importantly you need to check with your dental office to see if they will coordinate the dental coverage since the dentist is the one most likely to bill the insurance company and ask you to pay any difference or the co-pay. Thus, a supplemental policy can come in handy.

A discount dental plan provides discounted dental prices through a network of dentists but is not a dental insurance company and in not an insurance dental plan and is not regulated by the department of insurance.

In many cases, one of the best way to save on the cost of dentistry is to take excellent care of your teeth and gums and teach children healthy dental routines. Such as, did you know that fruit juices, carbonated drinks and acidic foods can help wear away your tooth enamel? Make sure you are brushing your teeth at least twice a day flossing daily and rinsing your mouth out with a germ/plaque fighting mouthwash. Also maintain your regular dental checks ups as advised by your dentist.

If you do not have dental insurance and going to pay the cash cost for your dental services (otherwise know as being self-insured) here are a few things you may want to think about. Fees vary by dentist office and by geographic region, however here are average costs in the U.S. for several common procedures, from the American Dental Association Health Policy Institute’s 2013 Survey of Dental Fees:

*Teeth cleaning (prophylaxis) adult — $85.00
*White dental filling (one surface, anterior) — $149.00
*Silver filling (one surface, primary or permanent) — $125.00
*Porcelain crown fused to noble metal — $1,003.00
*Complete series of intra-oral X-rays — $124.00

With a typical HMO Dental Insurance Plan (Note Fees will very depending on the plan and geographic region)
*Teeth cleaning (prophylaxis) adult — Free – $30.00
*White dental filling (one surface, anterior) — $4.00 – $70.00
*Silver filling (one surface, primary or permanent) Free – $40.00
*Porcelain crown fused to noble metal — $160.00 – $550.00
*Complete series of intra-oral X-rays — Free – $25.00

With a typical Dental Discount Plan (Note discounts will very depending on the plan and geographic region)
*Teeth cleaning (prophylaxis) adult — $42.00 – $54.00
*White dental filling (one surface, anterior) — $66.00 – $85.00
*Silver filling (one surface, primary or permanent) 53.00 – $73.00
*Porcelain crown fused to noble metal — $548.00 – $687.00
*Complete series of intra-oral X-rays — 64.00 – $83.00

With a typical PPO Insurance Plan (Note coverages will very depending on the plan and geographic region)
*Teeth cleaning (prophylaxis) adult — Free up to UCR
*White dental filling (one surface, anterior) —  80% Covered up to UCR
*Silver filling (one surface, primary or permanent) 80% Covered up to UCR
*Porcelain crown fused to noble metal — 50% Covered up to UCR
*Complete series of intra-oral X-rays — Free up to UCR

The dental indemnity insurance plans require the insured to pay the dentist of their choice directly, and the insured will be compensated or reimbursed by the insurance company after submitting a claims form

HMO (Health Maintenance Organizations) are networks of dentist under contact with the dental insurance company that offer dental services at a pre-determined rate.

With the HMO dental insurance plan, you do not have the option to choose your own dentist. However, the HMO is usually less expensive.