In our prior post about preventive, basic and major services we talked about waiting periods.  But are are waiting and how can they effect you?

A waiting period is the length of period (time) that an insurance company will make you wait before they will pay for certain dental services.

Many PPO and Indemnity dental insurance plans policies define a waiting period of six months for basic and 12 months or longer for major dental care. Today you can find some PPO’s and Indemnity dental insurance plans that offer no waiting period. However, they may limit you on the benefits paid out within the first year of the plan.

Beyond Dental

Before purchase, you may access a list of participating health care providers on this website. Upon request the plan will make available a written list of participating health care providers. Options for medical and health savings plan, prescription drug card, holistic health and more at affordable prices to individuals, families, and companies looking for group dental plan.

Options for medical and health savings plan, prescription drug card, holistic health and more at affordable prices to individuals, families, and companies looking for group dental plan. We offer quality dental, health care and lifestyle services at reduced rates. It is a discount program, and you are obligated to pay for all health care services. Visit our Temporary health insurance sections for Short term health insurance for 30 days to 36 months. The plan provides discounts at certain health care providers for medical services. Additionally, orthodontics, periodontics, vision care and LASIK services are included.

Careington dental discount plan advertises up to 20-60% off of regular dental fees. The Careington dental discount plans we provide are backed by a Full 45-Day Free Guarantee. InterNACHI members save money with the Careington dental discount plan; and they have the freedom to choose within the dental provider network where available, a member services department to help with any plan needs. You may cancel within 30 days of your order and receive a full refund less your processing fee. Careington Offers Instant Online Quotes. Get your instant online quote today. Just put your zip code and receive your quote in just a few seconds. Instant online application. Get your immediate dental discounts today.
Disclosures: THIS PLAN IS NOT INSURANCE. THIS IS NOT A MEDICARE PRESCRIPTION DRUG PLAN.* This plan does not meet the minimum creditable coverage requirements under M.G.L. c. 111M and 956 CMR 5.00. The plan provides discounts at certain health care providers for medical services. The range of discounts will vary depending on the type of provider and service. The plan does not make payments directly to the providers of medical services. Plan members are obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with the discount medical plan organization. You may access a list of participating health care providers at this website. Upon request the plan will make available a written list of participating health care providers. You have the right to cancel within the first 30 days after receipt of membership materials and receive a full refund, less a nominal processing fee (nominal fee for MD residents is $5). Discount Medical Plan Organization and administrator: Careington International Corporation, 7400 Gaylord Parkway, Frisco, TX 75034. The program and its administrators have no liability for providing or guaranteeing service by providers or the quality of service rendered by providers. This program is not available in Montana and Vermont. This plan is not currently available in Washington. *Medicare statement applies to MD residents when pharmacy discounts are part of program.

Many people want to have bright white teeth, so having yellowing teeth can sometime be embarrassing and at times effect your self-esteem. There are many simple dental care methods you can do to maintain white teeth. Basic dental habits help maintain not only your dental health but white teeth. Brush and floss twice a day.  Brush your teeth after having drinks that can stain your teeth such as coffee, tea, soda, and so on.

There are many over the counter toothpaste and mouthwash that help to whiten your teeth.  You can also use sugar free whitening gums, or over the counter whitening strips.  When these simple method do not work or give you the results you are looking for you may want to go to your dentist to see what your whitening treatment options would be though them

Individual and Family Dental Services

Careington dental discount plan is also known as Careington International offers dental individual plan and family plans. Careington dental discount plan is a well known and widely trusted name when it comes to dental insurances and plans. Careington dental discount plan, today, is much sought after for its quality services in dental care.

Careington dental discount plan: Includes x-rays, exams, cleanings, fillings, extractions, root canals, crowns, bridges, dentures, oral surgery, children’s dentistry, Orthodontics, Periodontics, Endodontics, and more. Over 7 million members join the Careington dental discount plan. Careington was among the first to offer quality dental plans at a discount, we have had years to develop an extensive provider panel, with over 89,000 participating dentists. Immediate access available to the Careington dental discount plan You can include your parents and other family members under certain conditions.
Save 20% to 60% on most dental procedures including routine oral exams, unlimited cleanings, and major work such as dentures, root canals and crowns. The Careington dental discount plan is backed by our SATISFACTION GUARANTEE. We have carefully selected the combined Careington dental discount plan and EyeMed Vision Care, two of the nations largest and best providers in their area of specialty.

All dental insurance plans are different therefore it is important to read each plan carefully as coverage’s and benefits will very . However here are some typical dental care services you may find under basic services.

* Crowns, inlays and onlays and bridgework
* Removable partial dentures and complete dentures
* Impacted wisdom teeth removal and teeth extractions
* Denture relines and rebases and Denture repair
* Treatment of gum disease
* Orthodontic treatment (braces) but can be limited to children only

Most PPO’s and Indemnity dental insurance plans will have up to a year waiting period for major dental services to be covered by the plan. Average coverage benefit for major dental services can range around 40-60 percent.  However, waiting periods and coverage’s can very depend on the plan so make sure to read the plans terms and conditions fully.

As a business owner, you are facing many difficult dental insurance plan decisions. One of the decisions is buying a business dental plan. Business dental insurance plans have become essential to businesses due to the increasing benefit needs of the employees, especially when they visit the dentist.

Group business dental insurance coverage is more affordable since all the participants of the plan are under one policy normally paid by the employer. Offering dental insurance to employees can aid in the employer recruitment and retention.

Studies indicate that supplemental employee benefits such as dental insurance can help retain high quality employees. The cost for business dental insurance will very, depending on the number of employees, the plan specifications, employee contributions, and the cost limitations you specify with your dental insurance agent.

Reason why a person can have yellow teeth will very.  There are people that teeth are naturally yellow in color. Not everyone is has naturally white teeth, and unless you use advanced whitening methods you can not change your natural tooth color.  Aging also has an effect on your teeth. Yellowing of your teeth is a natural aspect of aging. Food and drinks can stain your teeth and over time can make your teeth look dark or yellowish. Smoking will discolor your teeth. Poor dental and oral hygiene can also cause your teeth to yellow or to become discolored. Whatever the reasons a dentist can help to address the issue and make your teeth look naturally white again.

Keep in mind all dental insurance plans are different therefore it is important to read each plan carefully. However here are some typical dental care services you may find under basic services.

* Emergency dental care for pain relief

* Amalgam fillings (silver filling) and Composite fillings (white fillings)

* Sedative fillings

* Re-cementing dental crowns and bridges

Typical waiting periods under PPO’s and Indemnity dental insurance plans for basic dental services is six months but can very depending on the plans terms and condition.  Average coverage for basic dental services is around 60-80 percent.

How Much Can You Afford to Spend

This brief article will help you in selecting the best dental insurance and the discusses the analysis of dental care needs in order to find the best dental insurance for you.  You need to ask yourself several questions about your potential dental care – How much can you afford to spend on dental care?  What is the best dental insurance plan for me? What is the best dental insurance plan for me?

The best dental insurance policies offered will depend upon a family and its members’ oral health needs.  If the best dental insurance available is not offered through an employer or group health policy, then discount coverage should be researched.  The best dental insurance will be dependent upon employment, local dentists participating in programs, and current needs.  It will be one that fits your family’s needs and budget.  Finding the best dental insurance plan that fits your needs is an important part of ensuring that your teeth get the care they need to stay healthy.  Compare plans, instantly get no-obligation dental coverage quotes and sort through the best dental insurance plans until you find the perfect coverage when you visit DentalInsuranceHealthcare.com.  

One thing to keep in mind all dental insurance plans are different, therefore it is important to read each plan carefully. However here are some typical dental care services you may find under preventive services.

* Topical fluoride treatments generally twice a year twice per year for children up to around 13 years old.

* Office examinations normally twice per year

* Cleaning’s (prophylaxis/basic) normally twice a year one every six months.

* Bite-wing x-rays and periapical x-rays once a year

* Full-mouth, panorex x-rays – once every three years

* Fluoride treatments for children up to 13

* Space maintainers for children up to 13

* Tooth sealants up to 13

For most PPO’s and Indemnity dental insurance plans preventive services do not typically have waiting periods. Also these plans will provide coverage for preventive dental services at around 80%-100% covered. Always read each plans terms and conditions to understand fully what is offer under the plan and if it will work for you and or you and your family dental care needs.

Individual and Family Members Use It

Aetna dental insurance is one of the most popular dental insurance plans around.  Aetna dental insurance also brings a great range of benefits.  Aetna dental insurance is preferred by a lot of individuals and families with a wide variety of plans to select.   Aetna dental insurance will also offer a lot of flexibility and convenience to the policy holder.  Aetna dental insurance has a reputation of a good service that promises prompt payment of all claims.

Aetna dental insurance is a very popular dental insurance that is linked with affordable and high quality dental care.  Not only this, Aetna dental insurance is also well known for its facilities to carry out online inquiries regarding status of the pending claims.  One of the good things about Aetna Dental Insurance is that they provide the best support network.  Aetna dental insurance is offers nationwide dental coverage.  You can get an instant online quote for Aetna Dental Insurance with just one step process.  Put your zip code in the zip code box to get your instant Aetna Dental Insurance Quote.

The Prevention of bad breath is easier then you may think. With the exception of chronic bad breath here are some helpful tips to stop bad breath before it starts. Having good dental and oral health care habits. Brushing and Flossing your teeth twice a day. If you eat foods that are known to cause bad breath have mouthwash on hand, or chew on a bit of parsley after the meal. When brushing your teeth brush your tongue or use a tongue scraper. Your tongue holds bacteria that can cause bad breath.

Make sure you see your dentist once every six months or as directed by your dentist in order to maintain good teeth and gum health. Many reasons to bad breath is poor dental health. Dental decay and gum disease can cause you to have bad breath. Avoid doing things that causing bad breath such as smoking. Smoking can also cause many other health issues, so if you are a smoke do your best to quit. Eating food that are know to cause bad breath such as garlic, onions, cabbage, certain spices, coffee, even dairy products can cause bad breath for some people. Avoid eating food that causes you to have bad breath when you want to make sure your breath is fresh.

Supplemental dental insurance is an individual or family insurance policy purchased to cover a portion of the dental costs generally up and above or beyond the primary dental plan. Supplemental dental insurance will normally not cover the entire dental care procedure. But instead is synchronized or works hand-in-hand with your basic dental policy.

If you have a primary dental insurance plan that you purchased or your employer provided, the supplemental dental policy typically covers the remaining dental bill.

For example, if the dental plan policy covers half of the dental cost, the secondary or supplement dental insurance plan should cover the remaining balance of your dental procedure subject to any co-payments or deductibles already included in the policy.

A supplement dental insurance plan may also be purchased to cover the dental charges when there are annual dental benefit plan limits or exclusions. Say your primary policy has an annual maximum benefit of $1000 you may be able to purchase a supplemental dental plan to extend this benefit.

Most importantly you need to check with your dental office to see if they will coordinate the dental coverage since the dentist is the one most likely to bill the insurance company and ask you to pay any difference or the co-pay. Thus, a supplemental policy can come in handy.

HMO’s dental insurance plans suggests dentist that is working with them. This means that you cannot go to your dentist (unless they are a plan provider of that plan)  and you will have to pick the one from their list, you have to choose dentist that has contract with your dental plan company, in order for your plan benefits to be valid.

Most PPO’s plans allow individuals to stay with their current dentists. Dentists that have contract with dental insurance companies are considered as In-Network Dentists, otherwise they are called Out of Network Dentists. Note: Sometimes out of network dentist will have reduce benefits/coverage’s.

Where to Buy Affordable Dental Plans

You can obtain quotes for more affordable dental insurance plans from companies online and through your local insurance agent or broker. Please keep in mind that there are many web sites who give the appearance of selling dental insurance but instead only offer a dental discount plan which is not insurance.

Your dentist may also have affordable dental plan options available to patients.  Ask the receptionist if they partner with a dental plan company and see if one might be right for you.

It is important to understand what is a yearly dollar maximum limitation and to compare yearly maximum coverage on a regular basis before selecting any dental insurance plan. The dollar amount that a plan will pay you during one full year is very important factor to consider while choosing the dental insurance plan. For most PPO’s and Indemnity dental insurance plans they will have yearly maximum limitation, normally ranging from $500-$2000.  The yearly dollar maximums, renew on an automatic basis every year. You should be aware of that amount that is not used within a given year will not roll over into the next.

Example: Suppose you had $2000 yearly maximum for 2016 but you only spent $1500 of it. You may think that since you still had $500 at the end of the 2016 then for 2017 you are going to have $2000 + $500. Unfortunately that is not the case. Your funds are not cumulative. For 2017 you still will have the same $2000 as a yearly maximum for full year.

However the maximum is also per person so whether you have one person on the plan our four people on the plan each person has the 2000 maximum limitation per year.  When shopping dental insurance with a maximum limitation, you want to think not only of your current dental needs but future needs so you can get the right maximum limitation that best fit those needs.   Also make sure you work with your dentist when dealing with maximum limitation so that services could be scheduled out in a way that best saves you whenever possible.

Example: Going back to the same 2000 limitation, say in a given year your dentist says you need $3500 in dental services. See if it possible to have part of what needed towards the end of the year and the rest done in the being of the next. Doing so you will then receive benefits for the whole $3500 without going over your maximum in a given year.

According to a MetLife Study that was released many parents are not following recommended guidelines for brushing, flossing, and other dental health care habits for optimal pediatric oral health.   Nearly a quarter of the parents surveyed, 23%, have been told by a dentist or hygienist that their child was at risk for tooth decay, and 47% of the parents surveyed have not spoken to their pediatrician about their child’s teeth and may not be making the connection between their child’s oral health and their overall health care.

Affordable dental insurance plans from an HMO may have a limited pool of dentist to select, but it is a more affordable insurance plan. If you are self employed and looking for a more affordable dental plan, a discount dental plan may be an alternative.

Discount dental plans are not dental insurance plans. A discount plan partners with dentists to provide customers with a savings on visits to the dentist office. The downside to discount dental plans is that they are not regulated and you have limited recourse if you experience dental plan problems.

By now many people know that for good at home dental care habits you should brush twice a day floss daily and see your dentist regularly. But why should you take care of your oral health? Here are a few great reasons as to why keeping a healthy mouth is more important than you think:

* Bad Breath/Halitosis: No one really wants to have bad breath by having good oral health care habits you help to prevent Halitosis (Bad Breath)

* Prevent Oral Cancer, Especially if you use Tobacco: By seeing your dentist regularly you help to prevent oral cancer because included in your twice a year cleaning/check up’s your dentist also checks for signs of oral cancer.

* Prevent Gum Disease or Gingivitis: Brushing and flossing regularly greatly reduces your risks of having Gum Disease/Gingivitis

* Prevent Heart Attacks or Strokes: Studies show links between bad oral health and heart attacks and strokes

* To Have a Perfect Smile: We all want to have a great smile if not perfect good oral habits will help you have and keep a great smile.

* To Keep Your Original Teeth: If you have bad oral health habits you increase your risks for tooth decay and gum disease both of which if left untreated can make you lose your teeth.

What you may also want to keep in mind is that Most dental insurance plans will Cover Preventive Dental Services for free to little cost. Making seeing your dentist regularly for your checks very affordable.  Also studies show people with dental insurance tend to make and keep their dental appointments.

Preventative care is important, even on baby teeth.  Preventive dental care can often go undone do to rising cost of dental care and no dental insurance.  Parents who do not feel they can afford dental insurance, and who do not receive dental benefits though work can often put off preventive dental care.  Not because they want too, but simple put they can not afford it.  However even on baby teeth preventive care is very necessary because even a little cavity can still turn into a big pain later on.