Some of the Dental Insurance Plans

If you are looking for individual dental coverage, we can can find a local Delta Dental plan; to submit a customer service inquiry, find a dentist or your local Delta Dental member company. We offer several product information pages on our web site to help you learn more about Delta Dental Premier, Delta Dental PPO, DeltaCare and other national products.  With over 50 years of experience, Delta Dental is the leader in providing cost-effective, flexible dental coverage to employer groups and organizations of all sizes.

Three out of four dentists participates with a member company of the Delta Dental Plans Association.  Please note, the Delta Dental PPO program requires you use a network provider for dental services.  Under the Delta Dental Premier program you have in-network and out-of network coverage.  Although in-network dentists will submit your claims for you, you may need to submit claims directly to Delta Dental if you visit an out-of-network dentist.

Milk, cheese, plain yogurt, and other dairy foods are good foods for your teeth.  That’s because the calcium in cheese and milk and the phosphates in milk and other dairy foods help put the minerals back into your teeth that may have been lost.

Cost of whiten products are going up, while more and more people are trying to get and or maintain their white teeth. Did you know that there are  foods you can eat that will help keep your teeth white?

Food such as Apples and celery help to polish your teeth and gums.  Strawberries produce an enzyme called malic acid, which helps keep teeth white, and cheese contain a type of lactic acid that helps zap tooth decay. This along with proper dental hygiene can help you have and maintain health white teeth.

Independent Member Companies   

DentalInsuranceHealthcare.com an insurance marketing company of DEL AMO Insurance Services, Inc., can arrange dental care through the Delta dental network of companies. Delta Dental provides exceptional service, extensive dentist choice, and substantial claims savings through its affordable dental coverage to over 24 million enrollees.  Delta Dental’s generosity has enabled more than 750 volunteer dentists and 140 dental laboratories to contribute over $10 million services for over 6,100 vulnerable individuals with seriously neglected problems.

Delta Dental is a leader in improving oral health statewide.  Delta Dental has recognized that by treating children’s dental needs, we have improved their overall health and self-esteem.  They offer solutions that expand access to care while preserving the widespread availability and affordability of dental benefits.  In addition, Delta dental plans collectively serve more than 54 million Americans representing more than 90,000 groups.

Delta Dental is the oldest and largest dental health carrier in California, covering nearly 20 million Californians.  Delta Dental’s Customer Service staff speaks English and Spanish, and has access to interpreters for many other languages.  Delta Dental is the largest dental plan system in the United States.  Member companies serve over one-quarter of the estimated 165 million Americans with dental insurance.

Delta Dental’s roots go back to 1954 with the formation of dental service corporations in California, Oregon and Washington, which were created by dentists who recognized the need to increase access to oral health care.  Delta Dental companies are actively engaged in many studies, grants and partnerships with dental schools and community health organizations to increase access to professional dental care as well as to research evidence-based dentistry and the efficacy of new benefit designs.

We are often told how sugary foods are bad for our teeth, but did you know that high-fiber fruits and veggies are good for them?  Foods that are high in fiber tend to have a “detergent-like” effect on your mouth, according to the American Dental Association. These foods also get your saliva flowing. This can be your next best natural defense from getting cavities and/or gum disease.

How Much Is It Going To Cost Me?  The Cost of Dental Fillings

The cost of dental fillings depends on a variety of factors, including: The dentist who performs the procedure. There are several important factors you and your dentist must consider before determining how much your dental fillings will cost based upon the Severity of Damage. Fillings cost between $50 and $300 depending where you live, and the filling material (amalgam or composite) used.

Fillings Type of Filling Dental amalgam also known as silver filling is the least expensive type of filling. Tooth-colored composite resin fillings are more pleasing to the eye but are more expensive than dental amalgam fillings. As composite resin fillings are more time consuming they are more expensive than amalgam fillings.

Although costs vary across the country and by dental office, the cost of typical metal filling ranges from approximately $75 to $145 per filling, whereas a composite resin fillings range from $150 to $200 for a single surface white composite filling. Inlays and onlays weaken the tooth structure, but do so to a much lower extent than traditional fillings. Inlays are similar to fillings but the entire work lies within the cusps (bumps) on the chewing surface of the tooth.

Coffee drinkers may know that by drinking coffee over time it can stain your teeth. However did you know depending on how fast your drink your coffee you have a high risk of tooth decay.

For people that drinks latte or coffee with milk sipping and being a slow drinker exposes your teeth to the lactose or milk sugar, which is giving the bacteria in the mouth a flood of raw fuel metabolize.  (Similar to what happens with Baby Bottle Tooth Decay )

Try drinking your latte or coffee with milk within 15 minutes.  However if you do want to nurse your drink then drink some water or chew sugarless gum to help neutralize the acids in your mouth.

Insurance and Cosmetic Dental Care

Cosmetic dentistry may help you to get your best smile at any age.  One of the most popular cosmetic dental procedures to a perfect smile is bonding.  Cosmetic dental bonding is a fairly painless procedure usually performed in one dental visit by applying an enamel like material to your teeth which is then shaped, hardened with a special light and polished.

For a more dramatic smile, porcelain veneers can make a drastic difference. With veneers, you can control the color, position, shape, and size of your new teeth which can correct crooked, worn, or chipped teeth. This procedure can cost between $1,200 – $3,500 per tooth.

Cosmetic dentistry insurance coverage is not afforded by most dental insurance companies. If you are with a group dental insurance company through your employer, you may want to inquire if cosmetic dentistry insurance coverage is provided under your dental plan.

Cosmetic dental coverage is normally provided by discount dental plans. Discount dental plans usually cover 15 to 20 percent of the cosmetic dental care cost.

It is is very important that if you think you may have overdosed on your dental pain medication to seek emergency medical attention immediately!!  If you experience any of the following symptoms, it may indicate an overdose.

* Stomach pain
* Dizziness
* Fever
* Vomiting or nausea
* Bruising or bleeding
* Rapid eye movements
* Confusion

Also be mindful of where you keep your pain medications as kids can get a hold of them if they are not kept out or reach and in a save place.

New research from Yale University School of Medicine shows a link between a link increased levels of mouth bacteria and pneumonia and other inflammatory lung conditions.  Other studies over the past have also shown a link between poor oral health care and heart disease. Having good oral health habits and a healthy mouth is also important to your overall health care.

Under COBRA, as a former employee no longer receiving benefits, you will usually pay the entire premium amount, that is, the portion of the premium that you paid as an active employee and the amount of the contribution made by your employer.

In 1986, The Consolidation Omnibus Budget Reconciliation Act (COBRA) was made into a law giving employees the chance to enjoy their company-sponsored health benefits even after they have severed ties with that company.  Also we only need to notify employees who have been laid off who elected to enroll in our benefits program, employees who did not elect are not eligible to be covered now correct.  The benefits offered under COBRA should be the same as the coverage the current employees have, and usually the same as the coverage the employee had prior to COBRA.  Helping to plan and administer health, life, dental and other benefits for both groups and individuals.

There is no question that dental pain is an uncomfortable experience which can be effectively dealt by correctly following your prescription medication regimen. However problems arises when you forget to take your dental pain medication and decide to double your dose, or if you take two different types of dental pain medicines hoping to double up the effect? What you have actually done is over medicate yourself on dental pain medications, which seriously affect your body.

There are generally two types of pain medications:

* Non-steroidal and steroidal pain medicines. This group also includes non-steroidal anti-inflammatory drugs, or NSAIDs, which effectively deal with inflammation and pain.

* Steroidal or narcotic pain medications are some of the most powerful pain medications.

When you overdose or take too much of any of these types of medication while dealing with your dental pain medication, it can lead to the following serious side effects.

* Damage to the liver and other organs
* Problems with Vital Signs
* Problems in the Chest
* Sleep Disturbances
* Skin Issues
* Problems in the Stomach
* Exacerbates Existing Conditions
* Cardiac Systems

Having filling done that may not be necessary.  According to a New York Time story with today’s new detection technology, dentists are picking up what’s known as “micro-cavities, and that some dentist encourage their patients to have them filled. But is that necessary?

The Time told story about a college student that never had any cavities but was surprised to hear from a new dentist that she needed to several filled. She had the work done and paid the $500.00 for the dental services. However when she went back home and saw her family dentist she was told that the cavities were so small, they did not need treatment, and that, she may have just been duped.

There are difference of opinions on this matter where some dentist feel that they are taking a proactive strategy to protect patients from harm, critics say the procedures are unnecessary and they are driving up the costs of dental care.    Remember that you can always get a second opinion if your feel that you are being told about cavities that seem to be in excess of your normal dental care average.

What is Cobra Dental Insurance ?

If you had health insurance and dental insurance with your previous employer and were only offered health insurance under cobra when you were terminated, are you eligible for cobra dental insurance.  There are a few very important points which you must know if you want to avail the service of cobra dental insurance and health insurance.  There are 3 reasons why you should be given the cobra dental insurance since oral diseases are very common.

California COBRA insurance policies typically cover many benefits, including: California COBRA health insurance California COBRA dental insurance California COBRA vision insurance.  If a provider offers a California COBRA health insurance policy with these benefits, it may not be required for the California COBRA health insurance provider to offer only California COBRA dental insurance or California COBRA vision insurance under a sole California COBRA insurance policy.  The dental insurance premium rates for COBRA dental insurance are based upon the amount which the University contributes for active employee insurance and include a 2% administrative fee allowed under COBRA.

Dental Insurance is subject to the same COBRA rules as the medical insurance.  Dental insurance can be thought of as a method of providing financial assistance to seek regular dental care.  Dental insurance coverage may be continued for up to a maximum of 18 months or until the faculty or staff member reaches Medicare age (i.  Dental Insurance is the benefit your employees demand.

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This includes your health, dental, life, flexible spending accounts, short term and long term disability.  You will be offered COBRA to continue your medical, dental, and/or health care flexible spending accounts.  According to the act an employee who has cobra coverage of insurance has the legal right of obtaining group dental and health insurance.  There are a few very important points which you must know if you want to avail the service of cobra dental insurance and health insurance.

There are times when we have dental services that can cause us to have some pain.  Before getting or taking pain medications, think if it really necessary or can you just take and over the counter ibuprofen such as Advil or naproxen such as Aleve

According to a study published by the Institute of Medicine,  pain management is a serious public health issue that is costing around $560 to $635 billion annually. This equals to around $2,000 per person. What this study also reveals is that more and more Americans are depending on pain management medications. Last year alone, over 500,000 visits were made to the Emergency Room because it was directly linked to over medicating on pain medication.

I am sure many people at one time or another use their teeth to open a wrapper or to bite off a stubborn tag on a new shirt.  However if you are wanting to keep your teeth looking great then stop using your teeth as tools. Using your teeth in such a way can damage your teeth. You can easily crack or chip your teeth or cause poor jaw alignment  by wearing down your teeth unevenly. You also want to avoid using your teeth as hands. Do not hold items in your mouth even for a short time. Do not chew on items such as pens and pencils. You may have been told a a kid not to chew on your ice or you can chip your tooth, well that still rings true. Chewing on ice or using your teeth to crack open nuts, or biting on your finger nails all can lead to distorted teeth.

If you are wanting to have some dental cosmetic services such as whitening, bonding and dental implants. It is important to know if your insurance plan covers for these types of dental services.

The fact is that most dental insurance companies rarely cover such procedures of cosmetic dentistry. You may want to review a dental discount plan the will help to reduce your cost for cosmetic dental services around 15 to 20 percent.

Ways to clean your teeth and reduce cavities.

Studies have suggested that dental hygiene remains at the bottom of the health care duties compared to taking a bath or washing your hair.

How often should I brush my teeth?  Brush your teeth with a fluoride toothpaste at least twice a day for 2-3 minutes, especially before bedtime.

How to reduce gum disease and tooth decay? Flossing your teeth helps remove plaque in between your teeth where a toothbrush cannot reach. Mouthwash helps reduce bacteria in your mouth which helps to reduce tooth decay. Be sure to visit your dentist every six months for a professional teeth cleaning.

If you fear going to the dentist then know you are not alone. Due to dental fears 5 to 8 percent of Americans will not go to the dentist where as another 20 percent of American will go but only when absolutely necessary.

Studies being done by scientists at the Sahlgrenska Academy, University of Gothenburg, Sweden, suggest that there are two factors in helping manage dentist-related stress: optimism and humor. They found that when patients went in for visits with a feeling of optimism and the dentists’ offices had an atmosphere of humor to them, patients were much less likely to have fearful, stressful visits.

So when trying to address your dental fears go into the dentist with optimism.  Such as remind yourself how much better you will feel afterwords.  Don’t let dental fear stand in your way of having good oral health.  The shape of your oral health can effect your overall wellness.

Our customer service department is ready to assist you with any questions you may have and help you purchase an employer, family or individual dental insurance plan today.  We provide access to many of the largest, most recognized individual dental insurance networks in the nation.

DentalInsuranceHealthcare.com is a specialist in dental insurance, dental discount plans, vision and prescription coverage programs for individuals, families and groups. We have been serving the dental community since 1983, you will find our licensed dental insurance agents are well informed and ready to assist you. Compare dental insurance plans and decide which one is right for you and your family.
Many of our dental plans have next day benefits including vision and prescription.

DentalInsuranceHealthcare.com offers quotes for individual and family dental insurance plans including an option to compare dental national coverage plans. Remember, buying dental insurance does not have to be a painful process. We offer dental benefit coverage in all 50 states.