Many dental insurance plans have a coinsurance provision. A coinsurance means the dental plan pays a predetermined percentage of the cost of your treatment, and you are responsible for paying the balance. What you pay is called the coinsurance, and it is part of your out-of-pocket cost. as an example major services benefits may read as 50% covered so your coinsurance would be the remaining 50%.
What Are Deductibles in a Dental Insurance Plan Most PPO’s and Indemnity dental insurance plans have a specific dollar deductible. The deductible works like your auto insurance. During a benefit period, you personally will have to satisfy a portion of your dental bill before your dental insurance plan will contribute to your cost of dental treatment. Your dental insurance plan information will describe how your deductible works. Dental insurance plans do vary on this point. For example, some dental plans will apply the deductible to diagnostic or preventive treatments, and others will not.
When shopping for dental insurance may notice that most PPO and Free choice of provider call Indemnity insurance plans will come with an annual dollar maximum. This is the maximum dollar amount a dental insurance plan will pay toward the cost of dental care within a specific benefit period (usually January through December). You will be personally responsible for paying costs above the annual maximum limitation. Therefore make sure you are buying a dental insurance with the highest maximum limitation you feel will best fit your dental care needs.
One of the best ways to save money on the cost of your dental care is by taking full advantage of your dental insurance plan. Read your dental insurance policy terms and conditions to understand your plans limitation or exclusions.
Even though many people have dental insurance either though work or they bought their own plan, people have a bad habit of not seeing their dentist regularly. Not only will dental insurance help you save money on your dental care, seeing your dentist regularly will help to prevent you from having larger more costly dental care needs.
Lesions at the very back of your mouth could be a sign of oral cancer, which is not exactly common, but it is also not rare. The American Cancer Society estimates that 45,780 new cases of oral cavity or pharynx cancer will be diagnosed in 2015, just over half the number of expected skin cancer cases. Cancers at the base of the tongue and tonsils (called oropharyngeal cancers) are most commonly caused by the human papillomavirus infection (HPV).
Although the lesions can show up anywhere in the mouth, yet they are most likely to develop under the tongue around the base and near your esophagus. Oral cavity and oropharyngeal tumors are twice as likely to develop in men as in women, and the American Cancer Society reports a recent uptick in cases of oropharyngeal cancers linked to HPV.
Some medications can dry out your mouth, but an extremely dry mouth is a hallmark symptom of Sjögren’s syndrome, an autoimmune condition in which moisture-producing glands in the body come under fire from white blood cells. It is most commonly diagnosed in people over 40, and 9 out of 10 Sjögren’s patients are women. It is very important that people with dry mouth see their dentist regularly, since the lack of saliva can also lead to tooth decay.
Although rare, it is possible for certain types of acute myeloid leukemia to spread to the gums and cause bleeding, swelling and inflammation. What may tip a dentist office to this condition is if the gums are bright red and bleed upon touch, but the teeth themselves are immaculately clean with very little plaque. That combined with weakness and weight loss merits a trip to your primary care physician for evaluation.
Worn teeth is a sign that you may be more stressed than you realize. Stress can manifest as teeth grinding, wearing down teeth. Your personality type may predispose you to grinding, too. According to the 2010 study in the Journal of Research in Personality found that people who rated higher on the neuroticism scale were also more likely to report that they grinded their teeth.
Research in the International Journal of Oral Science in 2014 reported that sustained jaw clenching (another characteristic of bruxism, or teeth grinding) can lead to severe damage of the tissue in the joint that connects your jaw to the rest of your skull.
If you start to notice that you have white patches on your tongue or inne4r cheek this could mean you may have a less-than-stellar immune system. Oral thrush (an overgrowth of the candida fungus, or yeast, in the mouth) can lead to creamy white patches on your tongue or inner cheeks, and it can signal an immune system that is not up to snuff.
People are much more likely to develop thrush if they are undergoing chemotherapy or radiation treatment for cancer or have serious immunosuppression, such as HIV, but a dip in immunity due to a cold, a course of antibiotics or using corticosteroids for conditions like asthma can make someone more vulnerable too.
Gingivitis occurs before periodontitis. Gingivitis usually refers to inflammation of your gums, while periodontitis refers to gum disease and the destruction of tissue and/or bone. Initially, with gingivitis, bacteria plaque accumulates on the surface of the tooth, causing the gums to go red and inflamed, your teeth may bleed when brushing them. Even though the gums are irritated and bothersome, your the teeth are not loose. There is no irreversible damage to bone or surrounding tissue. Untreated gingivitis can progress to periodontitis.
Untreated periodontitis can eventually result loss of teeth. People with periodontitis also increase their risk of stroke, heart attack and other health problems. Having good dental hygiene and maintaining regular dental check ups will decrees your risk of developing periodontitis.
Periodontitis means “inflammation around the tooth” – it is a serious gum infection that damages the soft tissue and bone that supports the tooth. With periodontitis, the alveolar bone around the teeth is slowly and progressively lost. Microorganisms, such as bacteria, stick to the surface of the tooth and multiply – an overactive immune system reacts with inflammation.
A more established link between poor dental hygiene and over all health care is heart disease. At the University of Bristol in the UK and the Royal College of Surgeons in Dublin, Ireland, found that people with bleeding gums from poor dental hygiene could be increasing their risk of heart disease.
The researchers found that heart disease risk increased because, in people who have bleeding gums, bacteria from the mouth is able to enter the bloodstream and stick to platelets, which can then form blood clots, interrupting the flow of blood to the heart and triggering a heart attack.
Back in 2007, a research team from Harvard School of Public Health in Boston, MA, were the first to report strong evidence on a link between gum disease and pancreatic cancer. The type of gum inflammation associated with pancreatic cancer in the study was periodontitis, which affects the tissue that support the teeth and can cause loss of bone around the base of the teeth.
The other main kind of gum disease – gingivitis; where the tissue around the teeth becomes inflamed – was not linked to increased cancer risk. However, gingivitis can lead to periodontitis if persistent. The follow-Up study, which involved a cohort of more than 51,000 men and began collecting data in 1986, the Harvard researchers found that men with a history of gum disease had a 64% increased risk of pancreatic cancer compared with men who had never had gum disease.
According to a 2010 study in the Journal of Food Science published by the Institute of Food Technologist (IFT), researchers from the department of Food Science and Technology at The Ohio State University discovered that drinking milk while eating garlic-heavy food can reduce the malodorous breath associated with garlic consumption.
Both fat-free and whole milk lowered the concentration of volatile odor-emitting compounds from garlic in the nose and mouth. Due to its higher fat content, whole milk was found to be more effective. Although drinking milk after eating a garlic-infused meal can still help, the study found that drinking it during the meal will have better results.
Dentists treating patients with chronic periodontitis, a severe form of gum disease that can lead to tooth loss, are advised to use scaling and root planing (SRP), deep cleaning of the teeth, as initial treatment, according to new guidelines from the American Dental Association (ADA). The guidelines, based on a systematic review and meta-analysis of treatment of periodontitis, were published in the July issue of the Journal of the American Dental Association (JADA).
Education about flossing is important and we need to be clear about the benefits regular dental flossing can have. Alongside dentist visits and brushing twice a day the message of proper cleaning technique needs to be learn and practice by everyone. Cleaning between your teeth is a critical part of good oral hygiene as it helps to prevent gum disease by helping to remove plaque from these areas.
Flossing is a key part of your daily dental care habits that helps you maintain your oral health care. Studies show that in addition to problems inside the mouth, in recent years gum disease has been linked with general health conditions such as diabetes, strokes, cardiovascular disease, poor pregnancy outcomes and even dementia.
Question: My son is one and I do not have dental insurance on him yet. I am planing on taking him to see the dentist in the next few weeks. I would like to know about how many times does a baby need to go to the dentist a year? I see the dentist once a year for my dental check up and cleaning. Would that be the same for my son?
Answer: Well it is advise that you should see your dentist at least twice a year. That would be the same for a child unless advise by the dentist to come in more or less then twice a year. I would advise buying a low cost dental insurance plan like an HMO to cover for the basic dental needs
Question: My 13 year old needs to have braces. I been told this by our family dentist. Right now I been paying cash for our family dental care needs since all we normally have going on is our twice a year check ups and cleaning’s. If I get dental insurance will it help to cover braces?
Answer: We do provide many plan options for orthodontic services. I would suggest reviewing either our HMO dental insurance plans and or our dental discount plan for saving on braces. We do have some PPO plans that provide limited benefits for orthodontic services but they would have a year waiting period before benefits would be effective for braces.
When reviewing dental HMO’s plans, one important part of having the plan work the best for you is having a dentist within the plan network you will want to go to. HMO’s dental insurance plan do not provide any benefits/coverage’s for dental offices that are not a provider of the plan. There for choosing a plan provider is very important.
I suggest when choosing an in-network provider of an HMO insurance plan make sure to call the dental office up prior to buying the plan. Verify that they are still accepting the plan and new members. Confirm anything that may be important to you in picking a plan provider. Such as business hours, how far booked up they may be, location, years in practice, that they are doing the type of dental care services you may feel you need and anything else that would be important to you.