DentalInsuranceHealthcare.com provides you with more the just one company one type of dental insurance plan. In most states we provide dental insurance plans though several companies offering PPO’s, Indemnity and HMO’s insurance plans in addition to dental discount plans as a low cost alternative. You are able to get free dental plan quotes from our website in order to compare many different plans and choice the plan and plan type you feel is best for you and your family. We also provide a member service line 310-534-3444 for you to call if you have any questions about the plans we have to offer.

There are many people that only need to have preventive dental care.  Which inclues their twice a year check ups and cleaning and X-rays once a year.  They have good at home habbits and have good teeth and gums. Yet dental cost keep increasing making even proventive care more and more costly.

However, with that say the good news is, with most dental insurance plans preventive dental care services are little to no cost.  You can also get low cost dental HMO plans that run $8.00 – $20.00 a month and still get in most cases free preventive dental care.

To review the dental insurance and plan options we have available to you in your state, just enter your zip code in the quote box provided. If you should have any questions about our dental insurance and dental plan options please call our office at 310-534-3444

Question: Are there any dental plans for a child only? Need dental insurance for my fourteen year old.

Answer: Few dental insurance companies will let you buy their plans for only a minor. So it really depends on the plan you are reviewing. Such as our PPO plan though Standard Life dental insurance and our HMO plan though California dental will write a child only on the plan where as our other dental insurance plan required at least one adult which means buying a couple plan. You may also wish to review our dental discount plans though Careington as they too will let you have the plan for only a minor child. If after reviewing our dental plan options you have any questions please call our member services at 310-534-3444 as they would be happy to help.

When you are searching for the best dental plan for you and or your family dental care needs, here are a few tips you may want to keep in mind

* Estimating Your Needs: You will want to give though and estimate your future dental needs. Consider whether you or a family member will need major dental work or oral surgery. Or maybe you just want basic, preventive care like regular checkups and cleanings.

* Staying with Your Dental Current Provider: If you currently have a dentist that you want to stay with then it is important to find a plan your dentist accepts. If you have a particular dentist you would like to continue seeing, check to see that she or he accepts the dental insurance plan you are considering.

* Budget: Many people can be on a fixed budget if you are one then you will want to consider your budget and how much you are comfortable paying. Decide whether you’d prefer to pay premiums and co-pays over time, or pay the full amounts to the dentist all at once.

After our last post you may be wondering how do you safely store your toothbrush. Here are some tips you may want to practice.

1) Make sure to rinse your toothbrush well after brushing your teeth. Before putting your toothbrush away give it a good rinse with tap water, making sure not to leave any toothpaste or debris in the brush

2) Put your toothbrush upright, in a cup or a holder, this will allow the water to drain away from the head of the brush. You want the toothbrush to air dry thoroughly. So make sure it has access to good air circulation, and is not suffocating in a small drawer or cabinet when not in use

3) Keep your toothbrush away from other people’s toothbrushes. Even if you are all family members do not let your toothbrush touch another toothbrush. Bacteria on one brush can cross-contaminate another.

4) Avoid keeping your toothbrush too close to the toilet and sink. In tip two we tell you to keep your toothbrush out in the open for it to air dry thoroughly. However you want to make sure it is not too close to the sink. You do not want it to get splashed with dirty or soapy water when family members are washing their hands. Likewise, keep the brush at least four feet away from the toilet.  If you have a small bathroom that dose not let you keep this distance store your toothbrush in a different room away from your bathroom

5) Sanitize or Not. Although you can buy toothbrush sanitizers (usually a small countertop device), there is no evidence that these make a difference to your health. They can, however, provide you with a safe zone for storing your brush. Also, there has been no study that shows soaking your brush in an antibacterial mouth rinse makes a difference.

Benefits of Orthodontic Insurance Plans

The maximum amount covered and percentage that your provider pays for will depend upon your orthodontic Insurance plans.  Benefits of Orthodontic Insurance Plans are: It can help covering braces affordable It will solve all your dental care issues thus give you the peace of mind It can help you in preserving your overall health If you do not have the orthodontic insurance plans, go get it now to cover all the risks and costs.  If you are interested in adult orthodontics, ask if your plan includes adult orthodontic insurance.

Dental discount plans and orthodontics insurance Dental discount plans provide an alternative solution if you do not have a dental insurance or if your policy offers no or minor orthodontic insurance coverage.  How to get the best of your orthodontic insurance coverage before you take the final decision for your orthodontic insurance provider, make sure that you can find a suitable orthodontist in your area that accepts your dental braces insurance or dental discount plan.

As a parent you know that your child/children need to maintain good dental and oral health. Yet increasing dental care services make it harder and harder to afford their needed dental care check ups and cleaning’s let alone any other larger dental care needs. That is why having dental insurance for your family is an important part in keeping your dental family dental care cost low. Your budget and dental care needs for your family will help you choose which type of dental insurance plan would work best.

Our website offer a broad range of dental insurance plans from PPO’s, Indemnity and HMO dental insurance plans. We also offer dental discount plans for a lower cost alternative. Review our plan options for your state and if you have any questions please call our member service line at 310-534-3444 as they will be happy to help you with any of our dental plan options.

Orthodontic Insurance Options

Orthodontic insurance works like other types of insurance.  You may also need a supplementary form of dental orthodontic insurance in order to cover your costs.  The maximum amount covered as well as the percentage that your provider pays for will depend on your orthodontic insurance plan and on your insurance company.  With monthly or yearly premium for these orthodontic insurance you can avail maximum benefit from your insurance company for your orthodontic care.

Braces, x-rays, retainers and regular checkups for your orthodontic care are not affordable and you always need an extra helping hand, which comes as orthodontic insurance.  Looking out for best orthodontic insurance company is always advisable for you all.  If your dental insurance company is covering the costing for your orthodontic care then it good to go with that dental insurance company and if it says that they will not cover your orthodontic care then it is time to look out for a orthodontic insurance company to make your orthodontic care affordable and easy.

With great number and proportion of dental patients alone in united states reveal that how important it is for you to go for best orthodontic insurance.  If you are looking for complete peace of mind for you and your family just go for any best or affordable orthodontic insurance plans.  The first step in starting your search for orthodontic insurance is to review what you have currently.  Most people think that orthodontic insurance is the dental insurance.  However, this is not true as orthodontic insurance is totally different from dental insurance.

There are many types of plans available and a person may find some orthodontic insurance plans that limit his choice of orthodontists.  Main purpose of orthodontic insurance is to make orthodontic equipment, procedures and general orthodontic care affordable.  Some people call orthodontic insurance as orthodontic dental insurance also.  It has been observed that orthodontic treatments and specialists are expensive ones to bear and thus, if any person wishes to undergo any type of treatment in future, like orthodontic braces etc, it is better if he goes for orthodontic insurance.

In return, insurer will bear the orthodontic care cost up to the maximum limit mentioned in the orthodontic insurance.  It has been seen in many cases that a person is paying for his dental insurance and still requires separate orthodontic insurance.  Some areas that must be carefully looked for in the orthodontic insurance are co-pays, premiums, exclusions and deductibles.

Question: My daughter could really use braces. And even though both my husband and I work we just can not afford the extra cost for her to have braces. We have dental insurance with my husband job but it does not pay out anything for the cost of braces, since my daughter has TMJ. TMJ being the problem and why they will not pay for braces. I do not want my daughter to have to deal with it. I also hear the problem will only get harder to correct as she gets older.

Answer: TMJ is a hard issue to address, because many dental insurance plans will not cover for braces, if they are needed for TMJ. Dental discount plan do not have an issue with TMJ so you could get the savings offer on them.

First it is important to understand that the term it self can be miss leading as full coverage can mean different things to different people. For some, “full coverage” means a dental insurance plan covers dental services like routine checkups, cleaning and X-rays. Others expect a full-coverage plan to reduce the cost of any dental services they may need. To take it one step further many people think that “full coverage” means they do not have to pay for any dental service render.

However once you really start to review the different types of dental insurance plan you quickly find out that what you think is “full coverage” is not really the case. When someone is looking for a “full coverage” plan we try find out what the person is wanting in a plan, then help them with the available plans, to the one best fits their dental care needs.

Choosing a plan that is right for you depends on many factors, including the ages and number of people in your family, and whether you or a family member needs orthodontic care. Some dental plans provide low copays, while others provide discounts on services.  To review all our dental insurance and plan options just enter your zip code in the quote box provide. If you have any questions about our  plan and which one will best help you, please call our member services at 310-534-3444 as we be happy to help.

Need Full Dentures, Looking for an Affordable dental plan: I have some really old denture over ten years. They are ill fitting and my dentist I take them too told me I really should get new dentures. As much as I would like to get fitted for new dentures I really can not afford them. Are there any dental insurance plans that can help me with the cost of dentures?

Answer: Yes many dental insurance plans will cover for dentures. Since you had your current dentures for such a long time you should have less problems finding a plan that will accept you and provide coverages for new dentures. However two things to keep in mind. One read the plan terms and conditions for dentures to make sure you will receive the benefits you are looking for. Second is to be mindful of dental insurance plans with waiting periods. Some plan may cover you for dentures, but within the plan it self have waiting periods that are a year or more before they offer benefits for denture

Too many people prescribe to the deferred dental idea, feeling that dental cost are just to high so they put of their dental care needs until that is no longer an option.

However the real cost is in having to have larger dental care needs such as root canals, crowns, partials, bridges and implants. Preventive dental care services that people put off claiming cost is much more affordable to needing a root canal and in many cases by having preventive dental care regularly you greatly reduce your risk of having to have larger dental care needs.

In addition many low cost affordable dental insurance plans are available in most states that provide preventive care for little to no cost.  There by making cost factors a non issue in most cases.   Don’t defer your dental care and if you don’t have dental insurance now the time to start thinking about getting some as it greatly reduce your dental care cost on larger dental care needs as well if ever needed.

Question: I have a really bad toothache and I can not take it for much longer. Most dental insurance have waiting periods for dental procedures and I can not continue to wait things out. I need something now not six or twelve months from now.

Answer: This web site offers some dental discount plans that make work for you. With our dental discount plans they start the next business day from signing up for it on line though our website. They do not have any waiting periods so you start saving on your dental care cost immediately. You may also want to review any of our HMO dental insurance options as well. With our HMO dental insurance plan they to do not have any waiting periods but depending on when you buy them will be the plan effective date. Such as buy it on or before the 20th of the month the plan starts the first of the next month. But the plan effective date very so read each plan.

Check Your Fillings Regularly

Have your fillings checked regularly to see if they are still functioning at their best.  To reduce the risk of infection, the dentist may prescribe antibiotics before or after the fillings are replaced.  Minimize the risk of exposure to additional mercury when replacing mercury amalgam fillings by providing clean air to the patient with an oxygen mask and filter the air in the office to reduce the risk of patients and workers breathing in mercury-contaminated air.

If your amalgam fillings cause sensitivity or start to decay, ask your dentist about the risks and benefits of replacing them with a different material, like composite resin.  Although some materials give a cosmetic look closer to that of natural teeth, they may require more frequent replacement than amalgam fillings.

Composites are fillings designed to match the color of your teeth The dentist matches the composite material to the patient’s tooth color.  If possible, ask for the teeth to be ozonated before crowns/fillings are placed to sterilize the surface.  Please be aware that whenever you remove and replace dental fillings, there is always the chance that a tooth could be damaged during the process, especially where the filling is particularly large and/or deep.  Dental fillings all need to be replaced at some point.  Unfortunately, it’s not easy to replace dental fillings, but it can be well worth the effort.  There is a huge controversy within the dental profession about whether dental fillings are dangerous.

Question: I have a dental PPO plan though Anthem Blue Cross from my employer. Even though I have had it for a few years this was the first time I really used it for anything more then my free cleaning. About a month ago I had some dental work that was rather costly. Now I get an additional billing from my dentist stated that the insurance did not pay out much for the full porcelain crown that I got. However my dental plan says they will pay out half the cost for crowns. Calling up the dental insurance company right away I was told that they do not cover out that ADA code but will cover up to the UCR rate for covered crowns on non covered crowns. It really seemed like double talk to me. A crown is a crown! What do they mean ADA code? Please help me understand.

Answer: ADA codes are the service code for each individual dental service. This code number does not change and it let everyone from the dental office, insurance company and claims department know what dental service you had done. Although wording can very the code dose not. There are many ADA codes for crowns here is a sample
2740 Crown porcelain ceramic substrate
2783 Crown ¾ porcelain ceramic
2750 Crown-porcelain fused to high noble metal
2751 Crown-porcelain fused to predominantly base metal
2791 Crown-full cast predominantly base and
2810 Crown-3/4 cast metallic
There are more but I listed a few to show you that a crown is not just a crown. Under many PPO plans they may only provide benefits for a lower cost crown so when you get a higher cost crown they paid out only up to the UCR for the crown that they cover. This offers you some saving but now as much as if you would have chosen a covered crown. One way to avoid having billing surprises such as these is to have your dental office submit claims as a quote only, to your insurance company prior to dental services being render. That way you will know your cost ahead of time and then can decide if that is something you wish to continue with based on your budget.

When should I replace my Dental Fillings?

Please be aware that whenever you remove and replace dental fillings, there is always the chance that a tooth could be damaged during the process, especially where the filling is particularly large and/or deep.  But no one wants to go to the dentist and replace dental fillings that seem to be in perfect working order.  Unfortunately, it’s not easy to replace dental fillings, but it can be well worth the effort.  Fillings are made to last as long as possible, but they still only last for so long.

On average, 15 years seems to be about the limit for most fillings. How do I know when it is time to replace my dental fillings, how do I know when they are worn out.  Gold, silver, white, whatever your dental fillings look like, most likely they will not last for the rest of your life and will need to be replaced.  The true gold fillings, which were called gold foil, were pounded into teeth and were very tightly packed.

The longer bad fillings stay in your mouth, the more likely you will need crowns and root canals to restore the teeth.  If the existing fillings are not too big and there is enough healthy tooth, then the fillings can be replaced with new ones.  Leaving old dental fillings in place can also harm your gums, since they can trap the plaque which causes gum disease.  Examination and x-rays are used to evaluate dental fillings.  You will not be able to tell on your own when your fillings start to fail.  Everything wears out and your dental fillings are no exception.

Question: Can you change old silver filling to white ones? I have four sliver filling that where put in when I was a kid. Now that I am older and working I like to change them out for new white filling can that be done?

Answer: If you are asking can a dentist change out old silver filling to Resin-Based Composite (tooth color filling), in most cases yes. However if you are wanting to know if dental insurance will provide benefits for this type of dental service, often times they will not. Many dental insurance plans will not cover this type of dental service, since it is viewed as a cosmetic service.

Yet most dental insurance plans will provide benefits, when there is a new cavity in the tooth that has the old silver filling requiring the filling to be removed in order to fix the cavity. In this case, you do not have to replace the filling with a silver filling but can at that point replace it with a resin base composite filling.

Question: So I have a dental PPO plan I get though my job. What I do not understand is how my dental insurance states my coverages are one thing but when a claim is filed the numbers do not add up. For an example, not that long ago I had a large filling and a crown put on. The filling coverages where to be at 80% paid. Which it was so that was fine However the crown I got cost $1000.00 and my plan said that it paid out 50% for the cost of a crown. Straight forward math right I should only have to pay $500.00 which was my co-payment of 50%. I then get the billing from the dental office stating the insurance company only paid out only $450.00 so my cost is $550.00 now it is only $50.00 more but this happens quite a lot. What should I do about this?

Answer: In general PPO plans pay out by percentage in your case 80% for basic services such as fillings and 50% for major services such as crowns. But it dose not just stop there. Normally they will state that the percentage paid out is up to UCR (Usual, Customary, and Reasonable) There for if the dentist you are going to is above the UCR rate for the company you will have an additional charge.  Also some PPO plans will have two sets of coverage one for network dentist and another for out side network dentist. Out side network dentist normally will have less benefits then inside network providers.   In addition most PPO’s have a set maximum limitation say $1500.00 per person per year.  That is the dollar amount the insurance pays out regardless of coverage’s.

As to why you are paying more, I could not say which is the case for you. That will be something I would advise you call your plan’s member services for. They can go over your benefits and directly answer what is effecting your cost on claims.  However here is a tip you may want to keep in mind. Prior to having any dental services started, have your dental office submit to your insurance company as a quote only. That way you will know your true cost for any needed dental care without having to worry about additional cost.

You may notice in your search for a dentist that while most are listed with a “DDS”, some may be listed as “DMD”. You may wonder what each means and if there is any differences.  Well in fact they both mean the same thing, the dentist graduated from an accredited dental school.

DDS (Doctor of Dental Surgery)
DMD (Doctor of Dental Medicine)

They are the same degrees. Dentists who have a DMD or DDS have the same education. The level of education and clinical training required to earn a dental degree, and the high academic standards of dental schools are on par with those of medical schools. Upon completion of their training, dentists must pass both a rigorous national written exam and a state or regional clinical licensing exam in order to practice. In order to keep their licenses, they must meet continuing education requirements for the remainder of their careers so that they may stay up to date on the latest scientific and clinical developments.

Orthodontic insurance works like other types of insurance.  You may also need a supplementary form of dental orthodontic insurance in order to cover your costs.  The maximum amount covered as well as the percentage that your provider pays for will depend on your orthodontic insurance plan and on your insurance company.  With monthly or yearly premium for these orthodontic insurance you can avail maximum benefit from your insurance company for your orthodontic care.

Braces, x-rays, retainers and regular checkups for your orthodontic care are not affordable and you always need an extra helping hand, which comes as orthodontic insurance.  Looking out for best orthodontic insurance company is always advisable for you all.  If your dental insurance company is covering the costing for your orthodontic care then it good to go with that dental insurance company and if it says that they will not cover your orthodontic care then it is time to look out for a orthodontic insurance company to make your orthodontic care affordable and easy.

With great number and proportion of dental patients alone in united states reveal that how important it is for you to go for best orthodontic insurance.  If you are looking for complete peace of mind for you and your family just go for any best or affordable orthodontic insurance plans.  The first step in starting your search for orthodontic insurance is to review what you have currently.  Most people think that orthodontic insurance is the dental insurance.  However, this is not true as orthodontic insurance is totally different from dental insurance.

There are many types of plans available and a person may find some orthodontic insurance plans that limit his choice of orthodontists.  Main purpose of orthodontic insurance is to make orthodontic equipment, procedures and general orthodontic care affordable.  Some people call orthodontic insurance as orthodontic dental insurance also.  It has been observed that orthodontic treatments and specialists are expensive ones to bear and thus, if any person wishes to undergo any type of treatment in future, like orthodontic braces etc, it is better if he goes for orthodontic insurance.

In return, insurer will bear the orthodontic care cost up to the maximum limit mentioned in the orthodontic insurance.  It has been seen in many cases that a person is paying for his dental insurance and still requires separate orthodontic insurance.  Some areas that must be carefully looked for in the orthodontic insurance are co-pays, premiums, exclusions and deductibles.