Question: I have a dental PPO plan through work. I went to the dentist for a basic checkup and cleaning, and it was my first time going there. I do not have an issue with the dentist, but what I had done would be free minus my $25.00 deductible. However, I got a bill of $250.00 and was told I would need to submit the claim to the insurance company and get my money from them. They don’t do that as they want the payment when services are provided. I was surprised that I had to pay them in full, and luckily, I had the money to do so. Is this how the PPO dental insurance plan works? Am I always going to have to process my claims and wait for the money due back to me? If so, I am unsure how often I will want to use my dental insurance plan through work. I would prefer not to pay the part the insurance company owes. Are there any options for me not having to process dental claims like this?

Reply: It sounds like you’ve had a frustrating experience with your dental PPO plan. Understandably, you’re concerned about paying the full amount upfront and then waiting for reimbursement from the insurance company. Generally, with a PPO plan, you may have to pay for the services upfront and then submit a claim to your insurance company for reimbursement. However, contacting your insurance provider is worth confirming the process and seeing if alternative options are available. Some dental offices may be able to bill the insurance company directly, so it’s worth asking if this is an option. It’s important to fully understand your coverage and the claims process to avoid any surprises in the future. I will continue to break down additional options, and you can see which will work for you.

Understanding the Claims Process When Dealing With a Dental PPO Plan

When you have a PPO dental insurance plan, it’s crucial to grasp the claims process. Understanding how the dentist will file your claim before any services are provided is key to avoiding unexpected costs. Many dental offices that accept PPO dental insurance still require payment at the time services are rendered, leaving you to pay the full amount upfront and wait for reimbursement from the insurance company. This knowledge empowers you to manage your expenses effectively and avoid any financial surprises.

Some dental offices may provide an estimate of your costs based on your policy coverage and then charge or refund you the adjusted differences after the insurance company pays them. However, this typically occurs when you are an established patient. Therefore, it’s essential to inquire with the dental office staff about their claims processing procedures and what is expected from you regarding payment. Understanding these details will help you manage your expenses and avoid financial surprises.

Step-by-Step Guide – Submitting a Claim to Your Dental Insurance Company for Reimbursement Under a PPO Plan

When submitting a claim to your dental insurance company for reimbursement under a PPO plan, you should follow these specific steps:

1. Obtain a Claim Form: Contact your dental insurance company to request a claim form. This form will require you to provide details about the services you received, including the date of the visit, the procedures performed, and the charges incurred.

2. Complete the Claim Form: Please ensure that you fill out the claim form accurately and completely. Be sure to include all the necessary information, such as your personal details and the dentist’s information. Have the dental office fill out the dental services and coding for the services you received. Make sure to indicate on the claim form whether you or the dental office needs to receive payment.

3. Attach Supporting Documents: In addition to the completed claim form, you may need to attach supporting documents, such as the dentist’s itemized bill or receipt, and any other relevant documentation requested by your insurance company.

4. Submit the Claim: Once the claim form is filled out and all supporting documents are gathered, submit the claim to your dental insurance company. You can typically do this by mail or online, depending on the options offered by your insurer.

5. Follow Up: After submitting the claim, keep track of its status by monitoring any communications from your insurance company. This may involve checking for updates on your online account or contacting the insurance company directly if necessary.

By following these steps, you can ensure that your claim is properly submitted to your dental insurance company for reimbursement under your PPO plan.

A Dental Insurance Options Without the Hassle of Filing Claims.

With a dental HMO insurance plan, the need to file claims is eliminated because the insurance company has already pre-negotiated the cost for each dental service covered by the plan. This means that part of the policy packet includes a fee schedule for services, allowing you to know the upfront costs and pay the dentist only the pre-negotiated amount. Having an HMO makes it easier to budget for services, and there are generally no surprises afterward, as long as you review the services you will be receiving and ensure they match up with the fee schedule of the HMO plan. This straightforward process provides transparency and predictability, giving you peace of mind when managing dental expenses.

One potential downside to an HMO dental insurance plan is that it requires you to choose a plan provider and limits your treatment options to dentists within the plan’s network. This restriction means that your choices for dental care may be limited to the dentists who participate in the HMO network. It’s important to consider this when evaluating whether an HMO plan is the right fit for your needs, especially if you have a preferred dentist who may not be part of the HMO network.

In conclusion, navigating the claims process for a dental PPO plan can be challenging, especially when faced with unexpected costs and reimbursement delays. It’s essential to understand the specifics of your coverage and the claims submission process to effectively manage your expenses. Exploring alternative options such as a dental HMO plan, which eliminates the need to file claims, may be worth considering based on your preferences and financial situation. Ultimately, being proactive in understanding your dental insurance options and communicating with your provider can help you make informed decisions about your oral healthcare coverage.

Dental Insurance Plus

At DentalInsurancePlus.com, we offer a wide range of dental insurance plans tailored to meet your specific needs. Whether you’re considering switching from a PPO to an HMO plan or have any questions about dental insurance, our team is here to assist you every step of the way. We understand that navigating through dental insurance options can be overwhelming, and that’s why we’re dedicated to helping you find the right plan for you and your family.

Our comprehensive range of dental insurance plans includes HMO and PPO options, each designed to provide you with the coverage you need for a healthy smile. Whether you’re looking for a plan that eliminates the hassle of filing claims or prefer the flexibility of a PPO plan, we have you covered.

If you’re considering exploring your current dental plan options or have additional questions about dental insurance, we’re here to help. Please feel free to reach out to our office at 310-534-3444 during our office hours, Monday through Friday. Our friendly and knowledgeable staff will be more than happy to assist you and guide you through the process of finding the perfect dental insurance plan for you.

Question: I am unsure if I have a cavity in one of my back teeth. Sometimes, it hurts when I drink or eat something too cold. I’ve not been to the dentist in many years, mostly due to cost issues. How do you get cavities, and how can a dentist know if I have one that needs fixing? If I do have a cavity, must I fix it, or can I at least wait until I can better afford to get it fixed? Would it be worth the cost of getting dental insurance first? I don’t see myself going to the dentist much unless I have to, so paying out of pocket might be better than paying more for dental insurance.

Reply: A dental cavity, also known as tooth decay, occurs when bacteria in the mouth produce acids that attack the tooth’s enamel, forming a hole.   

Dental cavities, or tooth decay, are a result of a complex interplay of factors. Plaque, a sticky film of bacteria, is a key player. It builds up on your teeth and the bacteria it harbors produce acids that can gradually wear down the enamel, leading to small holes or cavities. Consuming sugary and starchy foods and drinks can contribute to this process. However, regular dental check-ups and cleanings are not just about cleaning your teeth; they are essential for early detection and treatment of cavities, providing you with the necessary information to maintain your dental health and can significantly reduce the risk of developing them.

A dentist can identify the presence of a dental cavity through various methods during a dental examination. They may visually inspect your teeth for signs of decay, such as discoloration or visible pits or holes. Additionally, they might use a dental instrument to check for soft spots on the enamel, which could indicate the presence of a cavity. X-rays can also detect cavities between teeth or beneath the surface. Furthermore, special dyes or lasers may help identify areas of decay that are not easily visible to the naked eye. If a cavity is suspected, the dentist may recommend further evaluation or treatment to address the issue.

Treating a dental cavity is crucial. If left untreated, it can lead to various complications. Cavities can cause pain and discomfort; if the decay reaches the tooth’s inner pulp, it can lead to infection and abscesses. In severe cases, untreated cavities can even result in tooth loss. However, promptly treating cavities can prevent further damage to the tooth structure and restore the tooth to its normal function and appearance, bringing relief from pain and discomfort. Treating cavities can also help avoid more extensive and costly dental procedures. This underscores the importance of not delaying treatment, as the consequences of untreated cavities can be serious.

Dental Insurance

About buying dental insurance, since you have a current dental need beyond preventive care, I suggest purchasing a dental HMO plan or a dental PPO that does not have waiting periods. If you want a lower-cost dental insurance plan, start by reviewing dental HMOs, as they can be as low as $7.95 a month and still provide preventive care free to low cost. Filling costs are typically very affordable with HMO insurance plans. Dental care costs get more costly as you start to have major care such as a root canal or crown. Having dental insurance would reduce major dental care costs compared to not having insurance, making it a worthwhile investment if you anticipate needing more than just preventive care.

If your current dental provider doesn’t accept dental HMO insurance, the next best option is a dental PPO plan. However, keep in mind that there may be a waiting period for certain dental needs with a PPO plan. Choose a dental PPO plan that offers immediate benefits to ensure you have coverage for a filling without any waiting periods. Dental PPOs are more costly than HMOs, typically starting around $45.00 a month.

Remember that you are not just paying for a filling if you see a dentist without insurance. You would generally have to pay for the office visit and X-rays. The average cost of a new patient’s dental exam can be about $285.00, depending on factors like location, age, and the number of dental X-rays to be done. Whereas taking an HMO dental insurance as an example, office visits and bitewing X-rays are typically free. We have not even addressed the cost of a filling, which would also vary depending on the size of the cavity and the filling you have done.

You can shop out insurance plans and verify the cost of the plan again coverages and see if it is worth buying and having before getting your tooth taken care of. At DentalInsurancePlus.com, we can help you with dental insurance questions as we sell a broad range of plans, from HMOs to PPOs. Our member service can go over the dental insurance plan options we provide and help you choose one that will best fit your current dental care needs. Since cost is a factor, an HMO dental insurance may work for you not only for your current filling but also to help you maintain your preventive dental care services, thereby avoiding any more cavities in the future. Call our office at 310-534-3444 Monday – Friday, 8 am – 4 pm. We can provide you with a free dental insurance quote and get you started with insurance so you can afford to see a dentist.

Question: I am taking 12 units, about 36 hours per week, in college, along with working 20-30 hours a week at a job. My stress from work, school, and even home life has gotten to me lately. I have been doing some things to try and reduce my anxiety, but I notice that my teeth have been hurting me. I have a cold sore on my gums, and my jaw seems sore when I wake up. I do not want to start having dental care issues along with everything else. I should see a dentist since it has been a while since I last went, but I do not have any dental insurance.   

I worried that I could not afford dental care because I had been told that seeing a dentist without insurance would be very costly. Is there a low-cost dental insurance plan option for students? I can comfortably afford around $45.00 a month for dental insurance that offers low-cost to free preventive services and affordable costs for whatever else I may need. I mainly need preventive care since I take care of my teeth and have just now started to have this issue.

Reply: It’s clear that you’re juggling a lot with your college and work responsibilities, and it’s not surprising that stress is affecting your oral health. Understanding the link between stress and oral health is the first step in taking care of yourself. It’s crucial to prioritize your dental care, especially if you’re experiencing discomfort and issues like cold sores and jaw soreness.

Regarding affordable dental insurance options for students, there are typically plans specifically designed for students that offer low-cost preventive services and affordable coverage for other dental needs. Some colleges and universities also offer student dental insurance plans at reasonable rates, so it’s worth checking if your institution provides such options.

When it comes to finding affordable dental insurance, there are a few avenues you can explore. Start by checking with your college to see if they offer student dental insurance plans at reasonable rates. If you still need to, you can also look into private dental insurance plans that cater to students. At DentalInsurancePlus.com, we offer many dental insurance plan options that fit into your monthly budget. I suggest one of our HMO insurance plans as they are the most affordable and would address your immediate dental care needs at a budget-friendly cost. Call our office at 310-534-3444, and we can provide a free dental insurance quote. Go over our plan options to choose the one that best fits your current dental needs.

It’s great that you prioritize preventive care, and with the right insurance plan, you can ensure that you have access to regular check-ups and other preventive services to maintain your oral health. Remember that taking care of your dental health now can help prevent more severe and costly issues in the future.

Dental HMO Insurance Plans: Affordable Dental Care Options at DentalInsurancePlus.com

Dental HMO insurance plans, also known as Health Maintenance Organization plans, are designed to provide individuals with affordable dental care options. DentalInsurancePlus.com offers a range of HMO insurance plans with monthly premiums as low as $7.95 to $18.95, making it highly cost-effective for individuals to access essential dental services.

One of the most significant advantages of our HMO insurance plans is the inclusion of free to low-cost preventive care services. These services typically encompass crucial preventive measures such as office visits, bitewing X-rays, and basic cleanings. These services can cost around $250.00 or more without insurance, depending on the dentist and the specific procedures performed. By choosing an HMO plan from DentalInsurancePlus.com, you can save a significant amount of money on these preventive services, making the cost of the insurance plan highly worthwhile from the very first dental appointment.

It’s important to emphasize the value of preventive care in maintaining good oral health. By having access to these preventive services through our HMO insurance plans, you can take proactive steps to ensure the health of your teeth and gums while avoiding potentially costly procedures in the future. Regular check-ups and cleanings can help identify and address any issues early on, ultimately saving you money and potential discomfort in the long run.

Choosing an HMO insurance plan from DentalInsurancePlus.com offers financial savings and peace of mind, knowing that you have affordable access to essential dental care. Our plans are designed to cater to individuals who prioritize preventive care and are looking for cost-effective solutions to maintain their oral health. With our HMO insurance plans, you can receive quality dental care without breaking the bank, ensuring that your oral health remains a priority without adding a significant financial burden.

Understanding the Impact of Stress on Oral Health

Stress can have a significant impact on your oral health, leading to various issues such as mouth sores like canker sores and cold sores, teeth clenching and grinding (bruxism), deterioration of oral hygiene, unhealthy eating habits, and the potential development or exacerbation of periodontal (gum) disease. It’s essential to be aware of these possible effects and proactively address stress-related oral health concerns. We will take the time to break down each stress-related oral health factor you stated you were having and the potential impact.

*   Mouth Sores: Stress can significantly impact our body, and one of the ways it manifests is through the development of mouth sores, such as canker sores and cold sores. Our immune system is weakened when stressed, making us more susceptible to these painful sores. It’s no surprise that during times of stress, many people find themselves grappling with these uncomfortable oral conditions.

Taking steps to manage and reduce stress in our lives is essential to proactively care for our mouths and prevent or treat these sores. Achieving this is possible through various proven methods, including regular exercise, meditation, mindfulness practices, and seeking support from friends, family, or professionals. These approaches can significantly lower stress levels and reduce the likelihood of developing mouth sores.

Also, maintaining good oral hygiene and using oral care products containing soothing and healing ingredients can help prevent and alleviate the discomfort of mouth sores. Rinsing your mouth with salt water, using over-the-counter topical treatments, and consuming foods rich in vitamins and minerals can also support healing.

By taking these proactive steps, we can prevent the development of these painful mouth sores and promote overall oral health and well-being. Therefore, it’s essential to prioritize stress management and adopt good oral care practices to keep these bothersome mouth sores at bay.

*   Clenching of teeth and teeth grinding (bruxism): Clenching of teeth and teeth grinding, also known as bruxism, can result from stress and anxiety. It’s a habit that can lead to dental problems, headaches, and jaw pain. If left unchecked, it can have severe consequences for our oral health. That’s why addressing this issue is essential as well as finding ways to reduce or stop clenching and grinding our teeth.

One effective way to reduce bruxism is through stress management techniques. Finding ways to relax and de-stress can help alleviate the tension that leads to teeth clenching. De-stressing could include meditation, deep breathing exercises, yoga, or any other activity that helps calm the mind and body.

Another helpful tip is to be conscious of the clenching and grinding throughout the day. Sometimes, we may not even realize that we are doing it. By paying attention to our jaw muscles and consciously relaxing them, we can reduce the frequency of clenching and grinding.

In addition, it might be beneficial to relax your jaw muscles consciously during the day. When you catch yourself clenching, try to relax your jaw and position your teeth slightly apart.

Lastly, if the problem persists, consulting a dentist or healthcare professional may be necessary. They can provide personalized advice and, if needed, recommend treatments such as a mouthguard to prevent damage from teeth grinding.

It’s essential to take steps to address this issue, not only for our dental health but also for our overall well-being. Taking proactive measures to reduce or stop clenching and grinding our teeth can prevent potential dental problems and alleviate the discomfort associated with bruxism.

Question: I am in need of both dental and vision insurance. Please let me know if you offer any plans covering both areas. Currently, I do not have any insurance for either. Right now, I have nothing, and I’m eager to start taking better care of my oral and eye health. I would need affordable plans as I can only spend a little on dental and vision. I want to keep it under $30 to $40 a month. What could you suggest to me?

Reply: At DentalInsurancePlus.com, we understand the importance of affordable dental and vision insurance for your overall health and well-being. We are delighted to offer a range of budget-friendly dental HMO plans, with prices starting as low as $7.95 and going up to $18.95. Our vision insurance plan is also available at a competitive rate of $14.51 per month. When you combine the cost of our dental and vision insurance plans, the monthly total comes to just $33.46, comfortably within your budgeted amount. We hope this brings you some relief as you start your journey to better oral and eye health.

We are committed to helping you take control of your oral and vision health without breaking the bank. You can access quality dental and vision care without financial stress by choosing our comprehensive insurance plans. Our plans cover a wide range of needs, from routine check-ups to dental procedures and vision exams. We want you to feel confident that your health needs are fully covered without any surprises or hidden costs.

To find the perfect insurance package tailored to your needs, we invite you to contact our office at 310-534-3444. Our dedicated team is ready to guide you through the available dental options and vision coverage, ensuring you can decide about your healthcare needs. Take advantage of this opportunity to invest in your well-being. Contact us today, and let’s start you on the path to optimal dental and vision health with the right insurance plans.

Question: I have dental insurance but need my wisdom teeth pulled. My general dentist can not pull them, so I must see an oral surgeon. My current dental insurance plan only provides minimal coverage for seeing a specialist. Can I get another plan with better coverage for a specialist and then cancel when the tooth is pulled, as I would not need it for the long term? 

Reply: Understandably, you’re looking for a way to get better coverage for your wisdom teeth extraction. It’s not uncommon for dental insurance plans to provide minimal coverage for seeing a specialist, such as an oral surgeon.

One option is purchasing supplemental dental insurance that provides better coverage for seeing a specialist. You could check with various insurance providers for a plan that meets your needs.

However, it’s essential to remember that there may be more cost-effective solutions than buying a supplemental plan. Some insurance plans may have waiting periods or restrictions on coverage for pre-existing conditions, so it’s essential to read the fine print carefully before making any decisions.

Another option is to talk to your oral surgeon about payment plans or financing options. Some doctors may offer payment plans to help patients cover the cost of treatment, and third-party financing companies specialize in medical and dental procedures.

It’s always a good idea to communicate with your insurance provider and oral surgeon to discuss your options and find the best solution. Remember that the goal is to get the care you need while being financially responsible.

What is Supplemental Dental Insurance?  

You can purchase supplemental dental insurance as an additional policy to complement your existing dental insurance. This type of insurance is designed to cover expenses that your primary dental insurance plan may not cover, such as seeing a specialist, an oral surgeon, or orthodontic treatment.

Supplemental dental insurance pays for a portion of your dental expenses that your primary dental insurance plan does not cover. For example, if your primary insurance covers 80% of a procedure, your supplemental insurance may cover the remaining 20%. However, it’s important to note that supplemental insurance is not a replacement for primary dental insurance. It is meant to enhance your coverage and provide additional benefits.

Various supplemental dental insurance plans are available, each with its coverage options and costs. Some plans may have waiting periods, deductibles, and annual coverage limits. It’s important to carefully review the policy before purchasing it to ensure it will meet your needs.

When considering supplemental dental insurance, comparing plans and coverage options is essential to finding the best fit for your dental needs and budget. Some insurance providers offer bundled packages that include both primary and supplemental insurance. It’s always a good idea to communicate with your insurance provider to discuss your options and find the best solution.

How a Dental Discount Plan May Help

A dental discount plan is an excellent way to save money on dental care services that your dental insurance plan may not cover. Unlike traditional insurance plans, dental discount plans allow you to pay a reduced fee for dental services at participating providers.

Dental discount plans work by negotiating lower rates with dental providers for their members. Instead of paying the total price for services like cleanings, fillings, and extractions, members of dental discount plans may receive discounts ranging from 10% to 60% off the regular cost.

These plans benefit individuals who need extensive dental work, such as wisdom teeth extractions, that are not covered or are only partially covered by their dental insurance plan. Dental discount plans offer an affordable way to manage the cost of dental procedures without having to worry about meeting deductibles or waiting for pre-authorization.

Moreover, dental discount plans are easy to use. Once you become a member, you’ll receive a membership card to present at any participating dental provider. There are no complicated forms to fill out, and the process is hassle-free.

It’s essential to note that dental discount plans are not insurance plans, and they may not cover all dental services. However, they can be an excellent complement to your existing dental insurance plan. You can save even more money on dental services by using a dental discount plan in combination with your insurance plan.

In conclusion, if you’re looking for a way to save money on dental services that your insurance plan doesn’t cover, then a dental discount plan may be the solution you need. With its ability to negotiate lower prices with dental providers, ease of use, and ability to save money on services like wisdom teeth extractions, a dental discount plan is worth considering.

Saving Money on Dental Bills: How to Ask for Discounts and Financial Help at the Dental Specialist

Going to the dentist can be expensive and quickly increase if you need to see a specialist. It can be challenging to ask for discounts or financial help, but it’s essential to remember that options are available. In this post, we’ll explore tips on asking for discounts or financial aid from the dental specialist and how to be persuasive in your approach. By following these tips, you can save money on your dental bills and get the care you need without breaking the bank. 

First, it’s crucial to do your research before your appointment. Research the procedure cost you need and compare prices at different dental specialists. This way, you will know what to expect and can negotiate with the specialist if necessary. 

When you’re at the appointment, be upfront about your financial situation and ask if any discounts or payment plans are available. Many dental specialists offer discounts for cash payments or for patients who pay in total upfront. You can also ask if they offer financing options or payment plans to help spread the cost over time. 

Being polite and respectful when asking for discounts or financial help is important. Explain your situation and why you need assistance but don’t come across as entitled or demanding. Remember that the dental specialist is running a business and needs to make a profit, but they may be willing to work with you if you approach the situation correctly. 

Another tip is to ask about any available insurance options. Some dental specialists may offer in-house insurance plans to help you save money on procedures. It’s also a good idea to check with your insurance provider to see if they cover the procedure or offer any discounts for using an in-network provider. 

In conclusion, asking for discounts or financial help from a dental specialist can be intimidating, but it’s essential to remember that options are available. By researching, being upfront about your financial situation, and being polite and respectful in your approach, you can save money on your dental bills and get the care you need. Don’t be afraid to ask – you may be surprised at what options are available to you.

Reducing the Cost of Oral Surgery: Why Dental Schools Might be the Perfect Option for You

Dental school may be a viable option if you need oral surgery, such as wisdom teeth extractions if you are concerned about the cost. Dental schools often offer discounted rates for dental procedures, including oral surgery, to provide hands-on training for their students. 

By choosing to have your oral surgery performed at a dental school, you’ll receive care from licensed professionals who are completing their training. This means that you’ll be receiving high-quality care at a reduced cost. 

In addition to the cost savings, dental schools often have state-of-the-art facilities and equipment, which can lead to a more comfortable experience for you as the patient. Moreover, the students at dental schools are usually more attentive and detail-oriented, as they are still in the learning process and are eager to impress their instructors. 

It’s important to note that while dental schools offer discounted rates, the process may take longer than at a private practice. This is because students are still in training, and instructors must oversee and approve the procedures. However, the extra time may be worth the cost savings, especially if you need extensive oral surgery. 

Search online or ask your dentist for a recommendation on finding a dental school near you. Research and ensure that your dental school is accredited and has a good reputation. You can also check with your insurance provider to see if they cover oral surgery performed at a dental school. 

A dental school may be a viable option if you need oral surgery but are concerned about the cost. Dental schools can provide an excellent alternative to private practices with their discounted rates, high-quality care, and state-of-the-art facilities. By researching and choosing a reputable dental school, you can receive the oral surgery you need at a fraction of the cost.

Exploring your options for dental insurance coverage when seeing a specialist like an oral surgeon

In conclusion, dental insurance plans may provide minimal coverage for seeing a specialist, such as an oral surgeon, which can be problematic for those requiring procedures like wisdom teeth extractions. However, various options exist, such as purchasing supplemental dental insurance, talking to the oral surgeon about payment plans, or considering a dental discount plan. Each option has pros and cons, so weighing them carefully and choosing the best solution for your needs and budget is essential. Remember to communicate with your insurance provider and oral surgeon to discuss your options and find the best solution to get the care you need while being financially responsible.

If you have any questions about dental insurance or want to purchase one that meets your needs, we’re here to help. Please contact our office at 310-534-3444 during business hours, 8 am—4 pm, M—F. Our team of knowledgeable professionals is here to assist you with any questions and help you find the right dental insurance plan.

You can also visit our website at DentalInsurancePlus.com to learn more about our available plans and coverage options. Our website has a wealth of information, including frequently asked questions, plan details, and a coverage comparison to help you make informed decisions about your dental insurance.

We understand that navigating the world of dental insurance can be confusing. Our goal is to make the process as easy as possible. So, whether you need help understanding your current dental insurance plan, want to switch to a new plan, or are looking for additional coverage, we’re here to help.

Thank you for considering Dental Insurance Plus for your dental insurance needs. We look forward to assisting you and helping you find the right dental insurance plan that meets your needs and budget.

Question: I have been trying to help my boyfriend get dental insurance for his son. Since I got my boyfriend on my dental plan, he only needs something for his ten-year-old son. So far, my boyfriend has been paying out of pocket for all his son’s dental needs.

Now, however, his son is in the middle of braces and is being told he needs to have a few teeth pulled. The cost is just getting higher and higher, and he is still trying to figure out what to do. His current dentist does not take HMO, only PPO, which, from what I can tell, will have a waiting period for the dental service his son needs. Can anyone give us some helpful advice?

Reply: I’m sorry to hear about your boyfriend’s situation. Navigating the various dental insurance options available can be challenging, especially regarding specific services such as braces and tooth extractions. He might consider looking into dental discount plans, which can sometimes provide savings on procedures not covered by traditional insurance. The issue may be that with a dental discount plan, you have to go to a dentist who accepts the plan.  

NOTE: Dental insurance companies may exclude work in progress because they generally want to avoid covering pre-existing dental conditions. When you sign up for dental insurance, there may be a waiting period during which the insurance company will not cover the treatment for pre-existing conditions. This waiting period can vary between insurance policies and the specific dental service needed. Suppose you begin treatment for a dental issue before the waiting period ends or before your insurance policy begins. In that case, the insurance company may consider it a work in progress and may not cover the cost of that treatment.

Exclusions can be frustrating for individuals who need immediate dental treatment but must wait until the waiting period ends to receive coverage. However, it is essential to note that insurance companies include waiting periods to protect themselves from individuals who sign up for insurance only when they require immediate treatment for pre-existing conditions. 

Therefore, it is essential to carefully read and understand your dental insurance policy before signing up for it. If you have an existing dental issue, check if there is a waiting period for that particular service, and if so, how long the waiting period is. Additionally, consider contacting the insurance company directly to discuss any exceptions to the waiting period for the dental service your dentist recommends.

It’s important to understand that the exclusions related to pre-existing dental conditions can significantly impact your search for dental insurance for your boyfriend’s son, mainly if he is in braces treatment and requires tooth extraction. As mentioned, dental insurance companies typically exclude work in progress or pre-existing dental conditions and may enforce a waiting period before covering such treatments. This can result in a frustrating situation where your boyfriend’s son may need immediate dental treatment. Still, the insurance company may not cover the cost of that treatment due to pre-existing exclusion. 

It’s crucial to carefully read and understand the dental insurance policy before signing up, especially if you have an existing dental issue. Since your boyfriend’s son is in the middle of braces treatment and requires tooth extraction, it is best to check if there is work in progress or pre-existing exclusions. 

Tips to Save Money on Dental Treatment for Pre-Existing Needs Not Covered by Insurance

If you have pre-existing dental needs that dental insurance does not cover, here are some tips to save money:

1. Shop Around: Dental providers charge different amounts for the same treatment. It’s worth getting quotes from other dentists to see if you can find a more affordable option.

2. Look for Discounts: Some dental providers offer discounts for cash payments or patients without insurance. Check with your dentist to see if they offer any discounts.

3. Consider Dental Financing Options: Some dental providers offer financing options to help you pay for expensive treatments over time. These can be a good option if you need immediate treatment but can’t afford to pay for it all at once.

4. Ask About Payment Plans: Some dentists may be willing to work out a payment plan with you to help you pay for your treatment over time. It never hurts to ask!

5. Take Advantage of Free or Low-cost Dental Clinics: Many communities have free or low-cost dental clinics that provide primary dental care. While they may not be able to provide more complex treatments like braces or extractions, they can help you maintain good oral health and catch problems early.

Remember, taking care of your dental health is essential even if you don’t have insurance coverage for all your needs. By shopping around, looking for discounts, and exploring financing options, you may be able to save money while still getting the care you need.

Despite excluding current dental needs, there are still reasons to consider dental insurance.

While it can be frustrating to discover that your insurance policy does not cover your current dental need, it is still essential to consider purchasing dental insurance. Dental insurance can cover routine check-ups, cleanings, and other preventive care to help you maintain good oral health and prevent future dental problems. 

Additionally, dental insurance can provide coverage for unexpected dental issues that may arise in the future. Dental emergencies, such as a cracked tooth or severe toothache, can be costly without insurance coverage. Having dental insurance can offset these costs and provide peace of mind in case of an unexpected dental issue.

Moreover, having dental insurance can also help you establish a relationship with a dentist who accepts your insurance plan. This can be especially beneficial if you are new to an area or need to find a new dentist. Choosing a dentist who accepts your insurance plan can ensure you receive quality dental care from a trusted provider while maximizing your insurance benefits.

In summary, while dental insurance may not cover your current dental needs, it is still worth considering purchasing it for its many benefits, including coverage for routine check-ups, preventive care, unexpected dental issues, and access to quality dental care from a trusted provider.

Understanding HMO Dental Insurance Plans: A Guide for Those with Pre-existing Dental Conditions and Fixed Incomes

Dental insurance policies can be complex and may include exclusions related to pre-existing dental conditions, which can be a major concern for those who need immediate dental care. However, HMO insurance plans can be an excellent option for those with a fixed income and current dental needs. HMOs typically have fewer exclusions on pre-existing dental conditions than other insurance plans, which can relieve those worried about being refused coverage.

Moreover, HMOs provide a more predictable cost structure, which can help budget dental care expenses. Unlike other insurance plans, HMOs typically have lower premiums and out-of-pocket costs, making them an affordable option for many people.

However, it’s important to note that HMOs require patients to stay within their network of providers, which can be limiting if you have a preferred dentist outside of the network. This means that you may not be able to continue seeing your current dentist if they are not part of the HMO network.

Ultimately, weighing the pros and cons and considering your dental needs and budget is crucial before selecting a dental insurance plan. You should also carefully review the plan’s terms and conditions to understand the coverage and applicable limitations. By doing so, you can make an informed decision that will help you maintain good oral health without breaking the bank.

Navigating Dental Insurance and Saving Money on Treatment for Pre-Existing Needs

In conclusion, navigating dental insurance can be daunting, but with the proper knowledge and preparation, you can save money on treatment for pre-existing needs. Carefully review your insurance policy and understand any exclusions or limitations. Consider shopping for an insurance provider that suits your needs and budget better. Additionally, seeking alternative treatment options, such as dental schools or discount programs, can also help save you money. Remember to prioritize your oral health and not let financial concerns prevent you from getting the care you need. By taking these steps, you can make the most of your dental insurance coverage and ensure you receive the treatment you need at a price you can afford.

Find the Right Dental Insurance Plan for You and Your Family with DentalInsurancePlus.com

At DentalInsurancePlus.com, we understand that navigating dental insurance options can be daunting. We offer different dental insurance plan types and options to fit your unique needs and budget. Our team of experts is dedicated to helping you find the right plan for you and your loved ones.

Whether you’re looking for individual or family coverage, we have a plan that can work for you. We offer plans with different coverage levels, deductibles, and copays to fit a range of budgets and needs. We also provide options for both HMO and PPO plans, depending on your preferred level of flexibility and access to providers.

If you need help determining which plan is right for you, don’t worry. Our friendly and knowledgeable staff can answer any questions and help you find the best plan for your unique situation. We know that everyone’s dental needs differ, so we offer personalized service to help you make an informed decision.

Call our office at 310-534-3444 Monday through Friday, 8 am to 4 pm, for a free quote on dental insurance or if you have questions about dental insurance and what plan may work for you. We’re here to help you find the coverage you need to keep your teeth and gums healthy and your smile looking great.

Regarding oral health, maintaining healthy eating habits is as important as regularly brushing and flossing your teeth. While sugary snacks and treats might be tempting, it’s important to remember that specific candy can hurt your teeth.

Sticky candies, such as toffee and gummy bears, are particularly problematic. Their sticky texture can find its way between teeth and along gum lines, making them difficult to remove with brushing and flossing alone. Over time, the bacteria in your mouth interact with the sugars in these candies to produce acids that weaken your tooth enamel, leading to cavities and other dental problems.

That being said, if you indulge in sticky, sugary candy, you must take extra care of your teeth afterward. Brush and floss thoroughly to remove candy residue from your teeth and gums. Additionally, consider using an antibacterial mouthwash to kill any bacteria lingering in your mouth.

While all sugary snacks and treats can harm your teeth, some candy can be particularly harmful. Hard candies, for example, can chip or crack your teeth, while sour candies are highly acidic and can erode your tooth enamel over time. So, avoiding these types of candy is best, and opt for healthier snack options.

By being mindful of your candy choices and taking extra care of your teeth afterward, you can help protect your oral health and avoid costly dental procedures. Remember, prevention is always better than cure!

Some Good Tooth-Friendly Candy Options

If you’re looking for tooth-friendly candy options, choose sugar-free gum or candy instead of traditional sugary candies. Xylitol is a natural sweetener that has been shown to reduce the risk of tooth decay, so look for products that contain this ingredient. Dark chocolate is another good option as it contains less sugar than milk chocolate. You can also try dried fruits like raisins or cranberries, as they contain natural sugars and are less sticky than gummy candies, which can stick to your teeth and promote decay.  

Tooth-Friendly Snack Options for Healthy Teeth and Overall Health

Maintaining good oral health and hygiene is essential for overall health and well-being. While sugary snacks and treats might be tempting, it’s important to remember that some candy can harm your teeth. Therefore, choosing tooth-friendly snack options can help you maintain healthy teeth and gums. Here are some healthy snack options that are good for your teeth and overall health: 

• Cheese and dairy products: Cheese and other dairy products are rich in calcium essential for strong teeth and bones. They also help to neutralize acids in the mouth and prevent tooth decay.
• Nuts and seeds: Nuts and seeds are a great source of protein and essential minerals like calcium and phosphorus, which help to strengthen teeth and bones. 
• Sugar-free gum and candy: Sugar-free gum and candy containing xylitol can help prevent tooth decay by reducing harmful bacteria in the mouth.
• Dark chocolate: Dark chocolate contains less sugar than milk chocolate and is rich in antioxidants that promote overall health.

Choosing tooth-friendly snack options can help maintain healthy teeth and gums and prevent dental problems. Remember to brush, floss regularly, and visit your dentist for regular checkups and cleanings.

Fruits and Vegetables Make for Good Snack Options. 

Fresh fruits and vegetables are the best snacks for good oral health and well-being. They are packed with essential vitamins and minerals like vitamin C, calcium, and phosphorus, which help build strong teeth and gums. Eating crunchy and raw fruits and vegetables can also help scrub away plaque and debris from teeth, promoting good oral hygiene. Here are some examples of good fruits and vegetables that are great for your oral health:

• Apples: Apples are rich in fiber and help to clean teeth and gums while you eat them. Their fibrous texture helps to scrub away plaque and debris from teeth.
• Carrots: Carrots are rich in fiber, vitamin A, and beta-carotene, which promote healthy gums and teeth. Chewing on raw carrots also helps to stimulate saliva production, which neutralizes harmful acids in the mouth.   
• Celery: Celery is a crunchy vegetable that helps to clean teeth and gums while you eat it. It is also rich in vitamins A and C, which promote healthy teeth and gums.
• Strawberries: Strawberries are rich in vitamin C, essential for healthy gums. They also contain malic acid, which helps to whiten teeth naturally.
• Leafy Greens: Leafy greens like spinach and kale are packed with essential vitamins and minerals like calcium, which help to build strong teeth and bones. They are also rich in folic acid, which promotes healthy gums.

Including these fruits and vegetables in your diet can help maintain good oral health and prevent dental problems. 

Learn How to Floss Your Teeth for Best Results Correctly 

When it comes to flossing, there are certain practices that you should follow to achieve the best results. Here are some dos and don’ts of flossing:

DO:

•  Use a floss piece about 18-20 inches long.
• Wind the floss around your fingers and hold it tautly between your thumbs and forefingers.
• Gently slide the floss between your teeth using a zig-zag motion.
• Curve the floss around each tooth’s base, ensuring you go beneath the gumline.
• Use a fresh section of floss for each tooth to avoid spreading bacteria.

DON’T:

• Snap the floss into your gums, as it can cause pain and bleeding.
• Use a sawing motion, as it can damage your gums.
• Rush through the process – take your time to ensure that you clean between each tooth properly.
• Reuse the same section of floss, as it can transfer bacteria to other parts of your mouth.

Remember that correct flossing can help to prevent tooth decay, gum disease, and bad breath. So, take the time to floss correctly and maintain good oral hygiene.

Dos and Don’ts of Brushing Your Teeth

Maintaining good oral hygiene is crucial for healthy teeth and gums, and brushing your teeth twice a day is essential. But did you know that there are certain dos and don’ts of brushing your teeth that you should follow to ensure that you are taking proper care of your oral health? This article will discuss the dos and don’ts of brushing your teeth, including tips on how to brush effectively and what to avoid to prevent damage to your teeth and gums. So let’s get started!

DO:

• Brush twice a day, for two minutes each time.
• Use a soft-bristled toothbrush to avoid damaging your gums.
• Use fluoride toothpaste to help strengthen your tooth enamel.
• Brush in circular motions, angling the brush towards the gumline.
• Brush all surfaces of your teeth, including the fronts, backs, and chewing surfaces.
• Replace your toothbrush every three to four months or when the bristles fray.
• Use a tongue scraper or brush to clean your tongue and freshen your breath.
• Rinse your mouth with water after brushing to remove any remaining toothpaste.

DON’T:

• Don’t brush too hard; it can damage your tooth enamel and gums.
• Don’t rush through your brushing routine. Take your time to ensure you brush all surfaces of your teeth thoroughly.
• Don’t forget to brush your tongue, as it can harbor bacteria and cause bad breath.
• Don’t share your toothbrush with others; it can spread germs and bacteria.
• Don’t use an old or frayed toothbrush, as it won’t clean your teeth effectively.
• Don’t skip brushing before bedtime, as it allows bacteria to multiply and cause tooth decay.

Encouraging Good Dental Care Habits 

Encouraging good dental care habits in kids is essential for their overall health and well-being. Here are some tips on how to enable your kids to have good dental care habits:

• Start Early: It is essential to start teaching good dental care habits to your kids from an early age. When they emerge, you can begin cleaning their teeth with a soft bristle brush and water.
•  Make it Fun: Brushing teeth can be a fun activity for kids. You can make it a game by singing a song or making up a story while they brush.
• Lead by example: Kids learn by observing their parents, so ensure you set a good example by brushing and flossing regularly.
• Use Kid-Friendly Products: Kids may be more willing to brush their teeth if they have fun toothbrushes and toothpaste with their favorite cartoon characters.
• Reward Good Behavior: Praising your kids for good dental care habits and rewarding them with a sticker or a small toy can encourage them to continue their good habits. 
• Limit Sugary Snacks and Drinks: Sugary snacks and drinks can cause cavities, so limiting these in your child’s diet is essential.
• Visit the Dentist Regularly: Regular dental checkups and cleanings can help prevent dental problems and keep your child’s teeth healthy.

By following these tips, you can encourage your kids to have good dental care habits and set them up for a lifetime of healthy teeth and gums. In conclusion, maintaining good oral health is crucial for overall well-being. By making smart snack choices, such as avoiding sticky, sugary candy and opting for tooth-friendly options like fresh fruits and vegetables, you can prevent dental problems and protect your oral health. Additionally, following proper flossing techniques and regularly visiting your dentist for checkups and cleanings can promote healthy teeth and gums. Remember, prevention is always better than cure, so start caring for your oral health today. You can enjoy a healthy smile and maintain good oral hygiene for years with consistent effort and attention.

Thank you for reading our helpful tips on maintaining good oral health. At DentalInsurancePlus.com, we understand the importance of oral health care and offer dental insurance plans that can help reduce the cost of dental procedures. Our plans cover a variety of services, including preventive care, fillings, root canals, and more. You can learn more about our plans by visiting our website or calling us at 310-534-3444. Our business hours are 8-4 M-F. Take the first step towards better oral health today with DentalInsurancePlus.com.

A person can chip their tooth in a few ways, such as falling and hitting their mouth, biting on a hard object, suffering from trauma to the face, and dental decay that has weakened the tooth and predisposed it to chipping. Yet, however your tooth may have been chipped, it is important to take immediate care. Here are some helpful tips.

• Make an appointment to see your dentist as soon as possible.
• Rinse your mouth with warm water
• If you have any bleeding in your mouth as a direct result of the chipped tooth, use a piece of gauze to apply pressure to the area
• Place an ice pack on your lips or cheek near the chipped tooth to control swelling.
• If you can not see your dentist within the same day you chip your tooth, cover the chipped tooth with dental cement (available in many drugstores) to help protect the remaining tooth until your dental appointment.
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What to do in a dental emergencies.

Even when you take the necessary preventive measures to protect your teeth by using properly fitting protective gear, such as mouth guard, when participating in sports dental emergencies can happen. If a dental emergencies dose occur, make sure to take quick action. Permanent teeth can often be saved, so it is essential to contact a dentist right away.

Dental Health, Signs of Tooth Erosion. What is tooth erosion? It is the wearing away of your tooth enamel by acid. Tooth enamel is what protects the outside of your tooth. However high amounts of acids in food and drinks that one may consume can cause tooth erosion as well as different medical issues such as: acid reflux, decrease in saliva (dry mouth) gastrointestinal conditions and eating disorders.

Here are a few signs to look out for and to talk over with your dentist if you should have one ore more of this waring signs. Discoloration of your tooth or teeth. Sensitive teeth, Rounded looking teeth or your the tips of your teeth looking transparent in color (mainly your front teeth). There are more advance signs of tooth erosion which would include cracked or cracking teeth. Rough feeling spots on the tooth surface. Extremely sensitive teeth and tooth decay.

Having dental insurance will not prevent tooth erosion but will make having preventive dental care much more affordable. Please review the dental plans options we offer on our website if you do not currently have dental insurance in place for you and or your family. Remember we are happy to help if you have any questions please call our member services at 310-534-3444 CA time 8-5 M-F,

Affordable Dental Plans – Other Alternatives to Low Cost Dental Care If you belong to a professional association, you might be eligible for a dental insurance or discount dental plan. Many associations partner with a PPO to provide their members with dental plans that offer very comprehensive insurance coverage at more affordable prices.

Dental schools may offer affordable dental services. Dental schools seem to be safe, but can be inconvenient and treatment for one problem may have to be addressed in multiple office visits. There are also dental clinics that are available. Dental clinics are normally more affordable then going to a general dentist and they will some times adjust their cost depending on you ability to pay.

Dental Insurance and Teeth Night Guards. My current dental insurance denied coverage for me to have a night guards. I grind my teeth when I sleep and the dentist advising me to wear one. However their cost for night guards without my insurance help is $400.00 I see teeth night guards on line for around $25.00 – $50.00 I know they are not custom fitted but will they work just the same. I not going to spend $400.00 since that is just to much for me right now.

Dental and Vision Insurance in Texas.   I would like to know if you offer any dental insurance with vision benefits? I really could use both right vison and dental insurance since I do not have either.

Right now I have nothing, and I would like to start taking better care of both my oral and eye care health. A corse I would need plans that are affordable as I really can not spend to much for dental and vision. It would be great if I could keep it under 30 a month. What do you have that you could suggest to me?

Dental Insurance quote and choosing the best dental plan.  Depending  on the state you live in this website offer many different dental insurance and dental plan options.  If you are searching for dental insurance on line you will be able to review many different dental insurance plans and dental plan types.

So how do you go about making sure you pick the best dental plan for you and your family?   Well first you want to start with knowing your own dental needs and what you want out of a dental plan.

Such as if a person has a dentist they want to stay with, then finding a dental plan that the dental office takes becomes part of the decision factor. If you have a toothache today getting a dental plan that has waiting periods may not be the best way to address your dental issue.

If you are a low income family getting a high cost dental PPO plan may not be useful or affordable for you. Therefore looking at a dental HMO or dental discount plan may be a better option.

Make sure you read each plan terms and conditions carefully. Understanding what you are buying is very important. Getting help and asking questions about any dental plan  is a good way to make sure you are buying the dental plan that will work best for your needs.

Dental coverage under medicare: I am 70 living in California and I am on medicare. My problem is that my medicare really does not offer any dental care and although I have good teeth I have not been able to see a dentist since I can not afford to go to one.  I am looking for a low cost dental insurance plan that can offer free preventive dental please advise.

Oral health care, My gums hurt and I really need to see a dentist.  Please I really need help here.  My gums have been hurting really bad for the past three days.  It hurt to eat anything too hard or hot.  My broth is telling me that gum care is very costly but I better go to the dentist before my teeth fall out. 

I do not want to loose my teeth but I still do not have much extra money.  He telling me to get dental insurance but I do not know what to get that will help me the best. I live in Florida can you help advise me.  Thanks.

New York Dental Insurance dental Plans for dental care.  My mom is in need of a lot of dental care work.  I am not sure what all wrong with her teeth but you can tell just from looking at them that they need dental help. 

She does not have any dental benefits and I am looking for either dental insurance or a dental plan to help her out with her dental cost.  I am just not sure which is better to get for her.  If I do not get something she will not go to the dentist but I am not sure if  insurance would be better or something like a dental discount that states it starts right away.  Can you give me some pros and cons of both to help me decide on what to get for her?

I am 69 and my wife is 68 we have medicare but we do not have any real coverages for our dental health care.   I am not the best with this internet stuff and would just like some direction in finding a good low cost dental plan for my wife and I.   We are looking for something to help us with the cost of just basic dental care that you get a dental office.

I live in New Jersey and work in New York.  I would like a dental health insurance plan that I could use in both states if I want to.  I have good teeth but do not get dental benefits though my current job.

Since I do spend just about as much time in New York as I do in New Jersey having a dental plan for both locations would be very helpful to me.  Do you have dental insurance dental plans like that?