Question: I am living in Los Angeles and have very bad teeth. I have been to a dentist that gave me a free consult but the cost of having all the dental work needed is more then I can afford right now.  However I can not afford to continue to delay the needed dental care. I am looking for a dental PPO plan that will let me stay with the dentist I seen and can help me with my dental needs

Answer: PPO dental insurance plans are very good for letting you choose or keep your own current dentist, and in most states we provide several PPO plan options.  However make sure you read each plan terms and conditions carefully as dental PPO insurance plans normally have plan waiting periods, maximum limitations and yearly deductibles/office co-pays.  Since these types of limitations will restrict your dental benefits make sure you understand what you are getting coverage’s for and when benefits starts.

Question: Is there any dental insurance plans that I can get for a signal person for only $15.00 or less a month.  So far all the plans I see for dental insurance are around $30 – $45 or more a month. I am even willing to have longer waiting periods if that will help reduce my monthly cost.  I have no major dental needs but I hate not having dental insurance just in case something was to come up.

Answer: Yes you can find low monthly cost insurance. What you would want to look for are HMO dental insurance plans. They normally offer very low affordable monthly cost and good over coverage’s.

Another choice also would be a dental discount plan. They to are very affordable on a monthly cost and will help reduce your dental services needed.

We over both of these plans types in most states. Just enter your zip code in the quote box provided to review the plan options available.

Dentist are worried that teenagers are putting their teeth and oral health at risk by trying dangerous do-it-yourself teeth-whitening techniques found on the Internet.  Too many teenagers uses  online tips of do it yourself teeth whitening since money and access to proper dental whitening care may not be in their reach.

However Children who are mixing  up quantities of different chemical and applying them for long periods of time are at risk of eroding their tooth enamel and damaging their gums. In turn increasing their risk of oral infection. The best course of action is to talk to your dentist about safely whiting your teeth or what over the counter product they my suggest to be use.

Question: I have been without dental insurance for over two years now when I was no longer accepted on my parents plan.   Now I am on my own trying to get dental insurance but the truth of the matter is I really do not understand how dental insurance works.  What is better for me to get a dental HMO or a dental PPO.

Answer: Which is best depends on personal factors for you. Like do you want to stay with a current dentist?  Is cost a factor ? Do you have current dental care needs you are trying to address?  To determine which plan type would best work for you, you need to first determine what it is you want in a dental insurance plan.  Review our dental insurance options we provide, if you have any questions about the plans then call our member service line at 310-534-3444 as we be happy to assist you.

Question: I been looking for dental insurance for myself but I am quickly finding out that the plans I seen on line are just costly for me at this time.  What I would really like to know is if getting a low cost dental discount plan really a good alternative to dental insurance?  I see you offer a few dental discount plans on your site so can you advise which may be the best one to get?

Answer: Dental discount plans are a good low cost option. For a low monthly cost of the plan it helps to save you money off all your dental care needs.  However you will need to go to dentist that are in the plan net work.  So make sure you have a dental provider you can go to when choosing a dental discount plan.

Question: I just shopping for dental insurance and want to know how to get the best dental insurance plan.

Answer: This is a question that comes up quite frequently, however I will tell you there is no sure answer. The real reason why is because no one knows the condition of your teeth except you and your dentist. The second thing is what “best” means to you?  Is it the best price, or deductible, or maybe you need coverage for orthodontics.

I found if you use the web site to compare the dental plans that would be your best start. At least you will have a bunch of dental plans to compare.  Also we provide a member service line at 310-534-3444 if you have any questions about any of our plans they will be happy to help you pick the best plan for yourself.

Question: Right now I an in school so I do not get benefits from my part time job.  Is it possible for me to get dental insurance on my own?  I do not have a lot of money but want to have some dental for my oral health needs.

Answer: Since you are looking for a lower cost dental insurance plan I would suggest reviewing any dental HMO options available in your state. Dental HMO insurance plans are the more affordable plans with fewer limitations, however you will need to go to a plan provider.  You may so want to review any dental discount plans that are available to you  in your state. As dental discount plans make dental care more affordable for a very monthly cost.

Question: Right now I have a toothache but with my job I will not be receiving my dental benefits until another six months. This is why I am hoping to find dental insurance on a short time basis. I been trying to hold out until my benefits kick in at work,  but I do not think I can make. Can you advise if you have any dental plan that I do not have have to keep for a full year or more?

Answer: Based that you do not want to have a plan that would be long term I would suggest reviewing our dental discount options though Careington and Dental Choice you can pay monthly and cancel when you dental insurance benefits kick in at work.   If you would rather have dental insurance, you may also want to review our HMO insurance plan though Assurant though it is an annual plan the cost is affordable so it may not be an issue for you to keep it for a year.

Question: I am self employed and I have been looking for good dental insurance plan for my family.   What I am finding are plans that do not cover much and has a max limit of  $1000.00 – $2000.00.  I want something that does not have a max limit and overs better coverages without all the waiting periods.

Answer: It is common for dental PPO or Indemnity dental insurance plans to have waiting periods and maximum limitations. You may want to review any HMO insurance options that are available to you in your state. HMO insurance plans generally do not have those types of restrictions and limitations.

Question: What type of  dental insurance offers you full dental coverages?  I am an adult with no kids. I am looking for a dental insurance plan that does not exclude coverages for cosmetic dental services.  I want a plan that does it all.

Answer: Finding one dental insurance plan that does covers all dental services may be pretty hard thing to do. We offer over a hundred dental insurance plans in all states and none of them offer as you say full coverage’s. I do not know of a dental insurance plan that covers cosmetic dental work.    However we also sell dental discount plans in most states. With a dental discount plan you will receive discounted saving off of cosmetic services if needed.  With a dental discount plan you get a discount off of any type of dental procedure but you need to go to dentist that takes the plan.

Question: Do to a job change I no longer have dental insurance.  It is very important that I maintain dental insurance for my health care.  I have diabetes and because of my diabetes I have on and off again problems with my teeth.

I have problems mostly with my gums but I also get many cavities due to being a diabetic.  I have to see my dentist every three months just so I can keep my teeth in good shape.  So I would like to know if getting dental insurance is going to be a problem with having diabetes?

Also I do not want to change dentist since mine knows about my diabetes and I like the way he takes care of me.  I do not know where to look for dental insurance and I want to make sure I will be covered for my future dental needs.

Answer: Most dental insurance plans do not exclude for pre-existing. You being diabetic and having dental care under the plan should not be an issue.  However just read terms and conditions of the plans you are viewing. Most dental insurance will not cover work in progress which is not what you have.

The other factor you mention was about keeping your current dentist. I would suggest calling your dental office up and finding out what plans they are a provider of. This will save you from reviewing plans they they do not accept. If you have to buy a PPO or Indemnity dental insurance plan in order to stay with your current dentist then make sure you carefully read the plans term and conditions, since these types of plans will normally have waiting periods and maximum limitations that may effect your current dental care needs.

Question: I have not been to the dentist since I was on my parents dental insurance plan, which has been some time now.  I know I need dental work.  I am not in any major pain or anything I just know that my teeth are not in good shape. I am not sure if I should get a dental insurance plan with its waiting period and yearly max limitations and do my dental services a little at a time. Or go for a dental discount plan for the dental saving and get my dental work done all at once.  Which way in the long run would be cheaper?

Answer: It is a personal choice for you to make. As you know with most PPO plans you will have waiting periods and maxim limitations to deal with.  As long as you fully understand the plans terms and conditions PPO plans are great dental insurance plans to stay with or choose your own dental provider.  However, you may want to review a discount plan option if you do not want to have to wait for dental services. Also think in the long run when you have a lot of major dental services needed waiting for coverage’s to begin may not be the best option for your oral health

In California our website offers over 40 dental insurance options for your review. A Few of the dental insurance options we provide would be though Delta Dental. Many people who are looking for a PPO or free choice of provider plan may find that Delta Dental fits their needs since often times their dentist is a provider of most Delta Dental plans.  Review your plan options just by entering your zip code in the quote box provided on our website. If you should have any questions about any of our dental insurance plans please call our member services at 310-534-3444 as we will be happy to help you find the best plan for your dental care needs.

Question: I looking for an individual dental insurance plan for my minor son. Preferable a PPO insurance plan so he can keep is current dentist.

Answer: There are very few insurance companies that will let you buy a individual dental insurance plan for a minor.  However, we do have one PPO insurance though StandardLife dental that well accept a parent buying an individual dental insurance plan for their minor child. To review our StandardLife Dental insurance plans just enter your zip code in the quote box provide on our website.

Question: What is the best dental insurance in CA?  I do not know much about dental insurance but don’t want to spend a lot of time looking into getting a plan just need something for basic checks up and cleaning’s anyway.

Answer:  We often get this question asked to us but really the best depends on your own dental needs. Our member services (310-534-3444) can help you with all our dental insurance plan options and help you best choose a plan that fits your current dental needs.

Question: Do minors have access to dental insurance in California without having to have an adult on the plan?

Answer: Some dental insurance plans will write a policy on just a minor but it does depend on the plan. Such as our California dental and our StandardLife Dental plans will write a minor only.   You may also want to review our dental discount plan options though Careington and Aetna as they too will let you have their plan for just a minor.

We have posted several post about how your oral health can effect your overall health care. Many studies show a high correlation between heart attack, stroke, diabetes, bone loss and lung disease and your oral health.   Take your oral health seriously, have good at home dental habits, see a dentist at least twice a year or as advise by your dentist, and have dental insurance to help keep your dental care cost low. People that have dental insurance are more likely to make and keep their dental appointments.

Your health is greatly effected by your oral health. Therefore it is important to maintain your dental health by having your Periodic oral evaluation at least twice a year at your dentist.  If you have dental insurance under most plans this type of service falls under preventive care and is little to no cost to you.

Generally cost assistance only applies to major medical coverage and not dental plans. However if you get a marketplace plan that includes dental insurance, it will only have one premium which Premium Tax credits can be applied to. You cannot apply Tax Credits to a stand-alone dental plan.

Question: Can I get a Dental discount plan for just my six year old son?

Answer: With our dental discount plans thought Careington and Aetna yes you can buy the plan just for your son.