According to The U.S. Surgeon General’s report on Oral Health in America. Employed adults lose more than 164 million hours of work each year due to dental disease or dental visits. Avoiding having to miss out on work due to dental care issues by having good dental habits at home and by seeing your dentist regularly.

In addition if you do not currently have dental insurance for yourself and or family now is the time to really think about buying some. Dental insurance will help keep your dental care cost more affordable and studies show people with dental insurance are more likely make and keep their dental appointments.

Question: I need to get dental insurance for my self and my 10 year old son. My question is when getting a dental insurance quote would I be looking at the family rates ? Since it is for my son and I. Or would I be able to get the couple prices since there is only the two of us. Not sure if couple mean that you need to be husband and wife.

Answer: Generally speaking dental insurance and dental plans would yet you choose the couple pricing for you and your son. Couple being two people. Husband and wife but also an adult with a dependent child. However, you should make sure by reading the plans summary, exclusions and limitations or by calling the customer service line and checking to make sure that the dental plan you are reviewing does what you want it to do.

Question: I have a really bad toothache pain in one of my back molars. I have been babying it for some time but I can not take the pain any more. I do not have and current dental insurance and I looking for a plan that will starts like right away, so that I can see the dentist about this terrible pain.

Answer: At this time for your current toothache pain you may want to look at a dental discount plan since those types of dental plans normally will start within the next business day. At least that way you will be able to see a plan dentist ASAP and get the discounted saving on having your tooth fixed. Depending on the enrollment date of an HMO plan if you can put off your dental care until the first of the following month you may want to look into a HMO dental insurance plan. HMO’s normally do not have waiting periods or dollar maximum limits. You should be able to find an HMO that does offers free office visits, X-rays, and cleaning’s, that alone is going to really save you money.

Question: I have a really good dental insurance plan though work. However when I go to the dentist they bill me almost as much as my dental insurance company is paying. I never get any of my money back either. Some people tell me that the dental office I am going to seems to be dishonest were other people say this is very typical and that dental work is very expensive. How would I know if the dental office is ripping me off or not. Should I just go to a different dental office?

Answer: It is hard to say without knowing the total cost of the services render and how your dentist is filing the claims. First I would suggest find out what your total cost are for you dental care services. How can you know what your true cost is, if you do not know the total billing amount. If you still believe the dentist is not correctly charging you. Call your insurance company to verify the facts. See what your insurance company as paid out. Sometimes they pay less then what your are thinking they did. If it shows that your dentist is over charging address the issue with the dental office first. Mistakes do happen and you want to at least clear up the matter with little hassle as possible.

In a prior post we had someone stated that they have a $2000.00 maximum limitation but had dental care cost of $2200.00. They paid the dental office $200.00 thinking that should be the only cost for them to pay. Yet was surprised that they received a bill for an additional $400.00. Now there are a few ways this can happen but here are a few listed that could be the likely reason.

1) They forgot about their plans Co-pay: In most plans there are co-pays you need to take into account. Such as the company will pay 50% for major dental care and your co-pay is the other 50% left. Normally the dental insurance plan dose not pay out %100 of your dental care with the exception of preventive services that sometimes will be paid %100 however not always with in the plans first year.

2) They forgot their deductible: Many PPO’s/Indemnity insurance plans have they can normally range from $50.00 – $150.00 per person per calender year.

3) They went over UCR: Most PPO’s/Indemnity insurance plans pay out up to UCR (Usual And Customary Rates) They may have also gone over this UCR cost.

The reason in this cast could have been one or a couple of these factors. Understanding how your dental insurance works, it terms and conditions will help you to avoid these types of unwelcome surprises.

Question: I have always had dental insurance either though my parents plan or it came with my job benefits. Now is the first time I do not have dental insurance and I am looking for an affordable private dental insurance plan I could buy in California.

Answer: On this website, in California we provide 20+ dental insurance and dental plan options. Affordability will very depending on what you may feel is affordable.

However our lower cost dental insurance options would be our HMO’s though California Dental and DHS. We also have low cost Dental Discount plan for your review though Aetna. To review all our plan options just enter your zip code in the quote box provided. If you should have any questions about the available plans please call our member services at 310-534-3444

Studies suggest that people who have dental insurance are more likely to make and maintain regular dental visits and check ups. Having good preventive care helps to maintain your oral health and reduce your risk of having larger dental care needs.

Most dental insurance plan provide preventive dental services free to little cost. If you do not currently have dental insurance this is a great site to compare several plans so you can choose the best dental insurance and or plan for your own dental care needs

Question: I am wanting to buy dental insurance and I am thinking about HMO’s since they are way more affordable and within my budget. I do not mind choosing a network provider but is there anything I should know to make choosing a network dentist easier.

Answer: When choosing a network dentist within an HMO dental insurance plan here are a few tips you may want to keep in mind.

1) Call the provider to confirm they are still accepting the plan and new members
2) Make sure that you have more then one provider in the plan that you would be willing to go to.  This is in case you ever wish to change providers.
3) Ask the dental office any question that are important to you in choosing them as your dental provider. Such as hours of operation, How far booked up they may be, Their location, How long they been in practice etc.
4) You may want to ask if the dental office has their own web site.  That way you can find out more about their practice and services.

On this website, you will notice that a few of our dental insurance and plan options also come with vision benefits and or savings. When wanting both dental and vision insurance you may want to buy a dental plan that combines vision with their dental such as our Delta Dental and AmFirst plans.

However maybe you want a lower cost dental HMO plan but it dose not offer vision. They buying a dental insurance plan and a separate vision plan may best workout for your needs. If that is the cast I suggest visiting BestVisionPlans.com as that website offers individual vision plans and you can buy in addition to any individual dental plan we have to offer.

Question: What is the best individual dental plan I could get in California

Answer: All our dental insurance plans and dental discount plans are the best. However, what is best for you and your dental needs really depends on you. That means in order to determine what would be the best plan for your dental needs would mean we would need to know what you are wanting in a plan.

As an example: Are you wanting to stay with a current dental office? If so then you would need to buy a dental insurance and or plan that they are a provider of or get a plan that let you go out of their network of providers.

Another example: Do you have current dental needs to take care of such as a crown or filling? What dental care services you may need can also effect what type of plan may be best for you. That’s because most PPO and Free choice of provider plans will also have waiting periods for certain dental services such as filling and crowns. I suggest reviewing the different plan types we provide then if you have any questions about out plans please call our member services at 310-534-3444 as they will be happy to help you choose a plan the will best fit your dental care needs.

Question: I am shopping out dental insurance and most of the plans I see that you have to buy them online. I don’t normally buy anything on line so just wondering how safe it is.

Answer: I can not speak in regards to other website but with our website, we provide a secure website once you get into the application of any of our plan options. You may want to keep in mind how safe it is to buy anything on line, also depends on your own computer. However with that said, we do provide a member service line (310-534-3444) where you can also place your dental insurance order over the phone M-F 8am-4pm.

When shopping for dental insurance it is a good idea to review more then just one or two plans. Luckily on this website, we provide quotes though many different companies as well as quotes for different dental plan types. From PPO to HMO and Indemnity to Dental Discount plans. We believe the more plan options you have to review the better you will be able to find a plan that is right for your own dental care needs.

On this website, we provide over 30+ dental plan options in most states so that you are able to compare multiple plans in order to choose the one that will best fit your own dental care needs. In order to review our dental insurance and plan options just enter your zip code in the quote box provided. If you have any questions about the plans available please call our member services at 310-534-3444 as they will be happy to help

When shopping for dental insurance you should review more then just cost of the plan. Sure cost is important especially when you are on a fit budget. However in order to a quality dental insurance plan for your dental care needs benefits of each plan should be review carefully.

A lower cost plan may cost you more in dental care services. A higher cost plan may have better over all benefits but may so have limitations that can restrictions you from when certain coverage’s are made effective under the plan. Knowing each plans terms and conditions before buying will help you in choosing the best plan for you and or your family dental care needs.

Our website provides you with free individual and family quotes so that you can compare dental plans cost and benefits. Our plans range from low cost dental HMO Insurance and Dental Discount plans, as well as PPO and Indemnity insurance plans that let you choose or stay with your current dental office.

Seeing a dentist regularly is an important part of keeping and maintain good oral health. When you are going to a dentist you like and trust the last thing you may want to do is change dental providers in order to have dental insurance.

On our website our website, we provide you with dental insurance plans that let you go outside their network of providers as well as dental insurance plans that have no providers, letting you go to any dentist of your choice.

Question: I want dental insurance, not a dental discount plan they did not work as well as I would have like. Yet I want a dental insurance plan that dose not have any waiting periods.

Answer: I would suggest reviewing out HMO insurance options as they are insurance plans that have no waiting periods

Our website not only provides you with free dental quotes for over 40 different plan, for you to compare and review, but we provide information about the different types of dental insurance and plans and how they best benefit you. We also provide dental care information and news on our dental blog. To review our daily blog just click on the blog link. If you have any questions about our dental insurance an plan options please call our member service line at 310-534-3444 as they will be happy to help

Good dental and oral health care is first taught from home. Having healthy teeth and gums are important not to have a great smile but to have long term retention of teeth. Young children may not have a good understanding of the importance of oral health care that is why it is so important to make brushing their teeth fun and not a chore. Try getting your children excited about brushing their teeth and help them to make it a lifetime habit.

A few simple ways to make bushing fun would be buying toothpastes they like. Let your child pick their own toothbrush. They are more likely to use one they picked on their own. Brush your teeth with them. Showing that you enjoy taking care of your oral health will make them want to copy you. As your child gets older do not forget to teach them how to correctly floss. Until then floss your child teeth at least once a day.