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Dental Insurance with No Waiting period

06/20/24

Question: About two months ago, I bought a dental PPO insurance plan online, thinking it would help me with the needed dental services. It has been over four years since I last visited a dentist and had any basic dental services. When I went to the dentist, I was informed that I needed two fillings and a deep cleaning. However, the dental insurance plan I got has waiting periods, putting the filling out for another four months and the deep cleaning almost a year before I will have any benefits for the services I currently need. When I bought the dental insurance plan, I did not know about the waiting periods, so I am upset that I am paying $54.95 a month for a plan that only partly paid for the preventive care I received at the time.

Reply: It seems as though you might not have carefully reviewed the terms and conditions of the dental insurance plan before purchasing it. Typically, waiting periods for specific services would be clearly disclosed upfront, and it’s essential to review these details before making a decision.

Insurance plans, and especially dental insurance plans, often have waiting periods for certain types of coverage. Waiting periods are a standard practice in the insurance industry to prevent individuals from signing up for coverage only when they need immediate expensive treatments and then canceling the policy after the services are rendered.

Discovering that the services you need are subject to waiting periods can be frustrating, especially if you were unaware of this when you purchased the plan. It’s essential to carefully review an insurance plan’s details before committing to it to ensure it aligns with your needs and expectations.

As a way forward, I suggest thoroughly reviewing the terms of any insurance plan before purchasing. Additionally, reaching out to the insurance provider might be beneficial in exploring any alternative options that better meet your current needs.

If you’re displeased with the waiting periods in your current dental insurance plan, consider alternative options that offer immediate coverage for the services you need. Health Maintenance Organization (HMO) dental insurance plans are known for not having waiting periods, making them a potential solution for your situation. However, it’s important to note that HMO plans typically require you to choose a primary dentist from their network and may have limitations on the available providers.

In addition to HMO plans, you can also consider Preferred Provider Organization (PPO) and Indemnity dental insurance plans that do not have waiting periods. While these plans can provide more flexibility in choosing dentists, they may come with higher costs and could have other limitations on coverage. It’s crucial to carefully review the plan coverages to ensure they align with your dental needs. If you find the benefits confusing or unclear, don’t hesitate to call the insurance provider’s member services for clarification.

Before making a switch to a new dental insurance plan, take the time to thoroughly compare the coverages, costs, provider networks, and any potential limitations. By conducting a comprehensive review, you can make an informed decision that best fits your current and future dental care needs.

Looking for dental insurance with no waiting period? DentalBenefit.com offers a broad range of dental insurance plans, including ones that provide immediate coverage for your dental needs. For a free quote or to purchase dental insurance, call our office at 310-534-3444. In addition to our insurance offerings, we maintain a comprehensive blog providing valuable information on dental insurance, dental health, and tips for dental care.

In this post, we will address the issue of waiting for dental insurance periods and guide you in navigating them or finding a plan without waiting periods. Discovering that the dental services you need are subject to waiting periods can be frustrating. Still, it’s essential to understand your options and make informed decisions to effectively meet your dental care needs.

Importance of Reviewing Insurance Plan Terms and Understanding Waiting Periods

When it comes to acquiring insurance, whether it’s health, dental, auto, or any other type, it is of utmost importance to thoroughly review the terms and conditions of the insurance plan. Understanding the intricacies of the coverage, including waiting periods for specific services, can save you from potential frustration and financial setbacks down the road.

One crucial reason for carefully reviewing insurance plan terms is to avoid unwelcome surprises when utilizing the coverage. For instance, let’s consider the case of dental insurance with waiting periods. A person purchases a dental insurance plan but fails to review the terms and conditions thoroughly. Later, when they require immediate dental services, they discover that there are waiting periods before particular treatments are covered. This lack of understanding about waiting periods can lead to frustration, especially if the individual requires urgent dental care.

Furthermore, comprehending waiting periods for specific services is vital in making informed decisions about insurance coverage. Take, for example, an individual who needs a specific dental procedure and expects their insurance to cover it. However, without a clear understanding of waiting periods, they may find themselves in a situation where the needed treatment is deferred due to the waiting period stipulation. This lack of awareness could result in unexpected out-of-pocket expenses and interrupted treatment plans, highlighting the importance of understanding waiting periods in insurance coverage.

In addition to avoiding surprises and making informed decisions, understanding waiting periods in insurance plans is crucial for taking proactive measures. For instance, if an individual anticipates needing a particular treatment or service in the near future, being aware of any waiting periods can prompt them to explore alternative coverage options with more favorable terms.

Moreover, reviewing insurance plan terms, including waiting periods, can help individuals assess the value of the coverage relative to their specific needs. By understanding waiting periods, individuals can make informed comparisons between different insurance plans, evaluating which best aligns with their anticipated utilization of services. This understanding empowers individuals to select insurance plans that provide the most beneficial coverage for their unique circumstances.

In conclusion, the importance of reviewing insurance plan terms, especially concerning waiting periods for specific services, cannot be overstated. Avoiding surprises, making informed decisions, and taking proactive measures are crucial to understanding waiting periods. Ultimately, a comprehensive understanding of waiting periods allows individuals to select insurance plans that best meet their needs and avoid potential setbacks and frustrations in the future.

Understanding the Role of Dental Insurance in Dental Implant Benefits

06/13/24

Question: I have been searching online for weeks to find something that can help save me money off dental implants.   Two years ago, I got into a car accident and knocked out all my front teeth, top and bottom.

The accident was deemed my fault; therefore, I received no assistance restoring my teeth, apart from my limited dental insurance plan through my job.   I’m determined to overcome the discomfort of wearing a partial top and bottom as I long for the feeling of natural teeth again.

However, I need 12 implants at around $1000.00 to $1500.00 per tooth. The cost quickly becomes too high for a regular Joe like me. I am far from being considered poor, but I do not have over $ 12,000.00+ lying around.

Any advice would be welcome.  I did not even mind waiting periods as long as I knew I would be covered for the dental Implants I wanted at the end of the waiting period.

Reply: I understand that finding affordable dental implants can be challenging, especially considering your circumstances. One option to explore could be to see if dental schools are in your area. Many dental schools offer discounted rates for procedures, including dental implants, as they are performed by students under the supervision of experienced professionals. This could significantly reduce the cost of your treatment, bringing you one step closer to your goal of natural teeth.

Additionally, there are other avenues to explore. Inquire about financing options with dental implant providers. Some offices offer payment plans to help make the cost more manageable over time. This can provide a sense of security, knowing that you can spread the cost of your treatment over a period that suits you. It’s also worth examining whether charitable organizations or foundations assist individuals needing dental care, offering further reassurance that there are options available to you.

A few dental insurance plans (mostly PPO or Indemnity insurance ) offer limited benefits for implants. With insurance, it becomes about reading the plan’s terms and conditions to determine if implants are excluded benefits or provide some coverage.

Examples of limitations could read as follows:

  • We will not pay for implants (artificial teeth implanted into or on bone or gums), their removal, or other associated procedures. Still, We will credit the cost of a pontic or standard complete or partial denture toward the price of the implant-associated appliance, i.e., the implant-supported crown or denture. The implant appliance is not covered.
  • The initial installation of a prosthodontic appliance and/or implants is not a Benefit unless the prosthodontic appliance and/or implant, bridge, or denture is made necessary by natural, permanent teeth extraction occurring when the Enrollee was under the plan.
  • The initial placement of any prosthodontic appliance or implants, unless such placement is needed to replace one or more natural, permanent teeth extracted while the Enrollee is covered under the plan. The extraction of a third molar (wisdom tooth) will not qualify under the above. Any such denture or fixed bridge must include the replacement of the extracted tooth or teeth.  
  • D6000 – D6199 VIII Implant Services: Implant services are covered by the General Dentist only. Implants are limited to no more than once for the same tooth position in five (5) years. Implants and Implant abutments are limited to no more than two (2) per year.

If you come across limitations or exclusions under a dental insurance plan and need clarification on how it affects you, call member services to confirm. It is crucial to understand what is or is not covered than to guess and guess wrong. This knowledge empowers you to make informed decisions about your dental health, especially about dental implants, as many dental insurance plans do not offer benefits, and you want to verify this before buying.

Affordable Dental Implants: Making Oral Health Investment Affordable

At DentalBenefit.com, we are dedicated to providing a wide range of dental insurance options to meet your specific needs. Our comprehensive website includes a helpful blog where you can find valuable information on dental insurance and dental health care. Whether you are looking for a free dental insurance quote or seeking to purchase dental insurance, our knowledgeable team is here to assist you. Feel free to call our office at 310-534-3444 for personalized guidance and support in selecting the best dental insurance plan.

This post will delve into dental implants and explore how you can make this significant investment in oral health more affordable with or without dental insurance. We aim to provide informative and persuasive insights to guide you toward finding the best solution for your dental care needs.

Understanding the Cost Factors of Dental Implants

Dental implants serve as a durable and long-lasting solution for replacing missing teeth. These artificial tooth roots are surgically implanted into the jawbone to provide a stable foundation for supporting individual replacement teeth or dental bridges. This innovative dental procedure not only restores the appearance and functionality of natural teeth but also helps to preserve the jawbone. By integrating seamlessly with the surrounding bone tissue, dental implants offer a secure and comfortable fit, allowing individuals to confidently eat, speak, and smile without concerns about slippage or discomfort. The cost of dental implants can vary for several reasons:

1. The type of implant: Choosing the correct type of dental implant is crucial as various options are available, such as endosteal and subperiosteal implants. The cost of each type can differ significantly based on factors like the materials used, the intricacy of the procedure, and any additional preparatory treatments necessary. Therefore, it’s essential to consult with a dental professional to determine the most suitable type of implant based on individual circumstances and fully understand the associated costs.

2. Location: The cost of dental implants may differ depending on your location. Factors such as geographical location and the standard of living in that area play a crucial role in determining the price of dental implants. For example, dental implants may be higher in urban areas with a higher cost of living than in rural areas with a lower cost of living. It’s essential to consider these location-based variations when planning for dental implant procedures.

3. Additional procedures: In some instances, supplementary procedures like bone grafting or sinus lifts might be necessary before the placement of implants. These additional steps ensure the jawbone is strong and healthy enough to support the implants. However, it’s important to note that these extra procedures can increase the overall cost of dental implant treatment.

4. Dentist’s experience: The skill and experience of the dentist or oral surgeon conducting the procedure is a crucial factor influencing the cost. A highly skilled professional with extensive experience in the specific procedure may charge a higher fee for their expertise. Conversely, a less experienced practitioner might offer a lower cost but may not provide the same level of skill and expertise. Therefore, when considering the price of a dental procedure, it’s essential to consider the dentist’s experience and credentials.

5. Materials used: The choice of materials for dental implants plays a significant role in determining their overall cost. High-quality materials, such as titanium or zirconia, are often associated with higher costs due to their durability and biocompatibility. Conversely, lower-cost options may be available but might not offer the same longevity or aesthetic appeal. Discussing the available materials with your dentist is essential to find the option that best aligns with your needs and budget.

When considering dental implants, scheduling a consultation with a qualified dentist or oral surgeon is crucial. They can provide personalized insights into the various factors that influence the overall cost of dental implants for your specific case. By seeking professional guidance, you can understand the treatment plan, the materials used, any additional procedures required, and potential insurance coverage, ensuring that you are well informed about the financial aspects of the treatment and can make decisions that align with your budget and oral health goals.

Dental Insurance for Dental Implants.

Regarding dental insurance plans, it’s essential to understand that coverage for dental implants can vary significantly. While some dental insurance plans offer limited benefits for dental implants, many others exclude coverage for these procedures altogether. The reason behind this discrepancy often stems from the high-cost factors associated with dental implants, making it difficult for insurance providers to offer comprehensive coverage.

Dental insurance plans that do provide benefits for dental implants usually fall under PPO or Indemnity insurance categories. However, it’s crucial to note that the extent of coverage for implants is typically limited. This means that individuals seeking dental implant procedures would need to carefully review the terms and conditions of their insurance plan to determine the extent of coverage available.

On the other hand, numerous dental insurance plans explicitly exclude coverage for dental implants due to the high cost of the procedure. Insurance providers may deem dental implants elective or cosmetic procedures, making them ineligible for coverage under standard dental insurance plans.

It’s essential to recognize that excluding dental implant coverage from many insurance plans can pose financial challenges for individuals needing such dental procedures. The high out-of-pocket costs associated with dental implants can create barriers to accessing essential dental care, particularly for individuals who have experienced traumatic dental injuries or severe dental issues.

Consequently, individuals may need to explore alternative options for managing the cost of dental implant procedures. Other alternatives include seeking financial assistance through financing options offered by dental implant providers or exploring discounted rates for procedures at dental schools, where supervised students perform treatments at reduced costs.

Despite the challenges posed by limited coverage for dental implants under standard dental insurance plans, individuals need to remain informed and proactive in seeking viable solutions for their dental care needs. By understanding the complexities of dental insurance coverage and exploring alternative avenues for affordable dental implant procedures, individuals can effectively make informed decisions to address their oral health needs.

Dental School May be an Option for Dental Implants

When considering affordable options for dental implants, exploring the possibility of receiving treatment at a dental school in your area can be a worthwhile avenue to pursue. Many dental schools offer discounted rates for procedures, including dental implants. Students typically perform these procedures under the close supervision of experienced professionals, providing an opportunity to receive quality care at a reduced cost.

One of the key benefits of seeking treatment at a dental school is the opportunity to benefit from the expertise of aspiring dental professionals and their experienced mentors. The supervision of procedures by seasoned professionals ensures that patients receive thorough and diligent care and the added security of oversight throughout the treatment process.

It’s important to note that the specific services offered and the availability of treatment at dental schools may vary based on each institution’s curriculum and educational focus. For instance, some dental schools may prioritize specific procedures over others based on their academic objectives, which could impact the speed at which you may be able to receive treatment. However, for individuals seeking affordable dental implant options, exploring the potential for treatment at a dental school can be a strategic and cost-effective approach to restoring oral health.

Using a Credit Card May be an Option for Dental Implants

When considering dental implant financing options, it’s essential to inquire about available opportunities with dental implant providers. Some providers may offer monthly payment plans that can help you manage the costs of dental implants over time, making the financial burden more manageable.

Additionally, exploring dedicated medical credit cards such as CareCredit can be viable. These credit cards are specifically designed for medical and dental services, including dental implants. It’s essential to compare interest rates and terms across different credit card options to determine the most suitable choice for your financial situation.

While using a credit card to finance dental implants may result in paying more in interest over time, it allows you to receive the essential dental treatment while spreading the cost into affordable monthly payments.

By exploring these financing options, you can take a step closer to achieving the dental care you need without facing significant financial strain.

Dental Discount Plan May be an Option for Dental Implants

Are you considering dental implants but worried about the cost? DentalBenefit.com offers dental insurance and dental discount plans to help you save on dental care expenses. A dental discount plan can be a viable option for reducing the cost of dental implants, with average savings of around 20% or more. By choosing a dental discount plan, you can make significant strides toward achieving your goal of natural teeth at a reduced cost.

It’s important to note that a dental discount plan is only valid with providers in the plan network. Before purchasing a discount plan, confirming that dental providers within the network offer dental implant services is crucial. While a discount plan can provide substantial savings, there’s no guarantee that a provider in the network will offer every service or procedure you require. Therefore, it’s essential to thoroughly explore and understand the plan’s details and confirm the plan providers and what services they offer before deciding.

With DentalBenefit.com, you can explore various dental insurance and discount plan options, gaining valuable insights to help you make informed choices about your dental care. Our knowledgeable team is dedicated to providing personalized guidance and support to assist you in selecting the best plan to meet your specific dental care needs. Whether you are seeking a dental insurance quote or looking for ways to make dental implants more affordable, we’re here to help you.

At DentalBenefit.com, we are committed to providing a comprehensive range of resources to help you navigate the world of dental insurance and dental care. We aim to offer informative and persuasive insights to guide you toward finding the best solution for your dental care needs, whether through dental insurance, discount plans, or other cost-saving options. Contact our office at 310-534-3444 for expert assistance in making your oral health investment more affordable.

Flossing – Dental Benefit

05/20/24

It is important to start flossing your child’s teeth when they touch each other around two and a half years old. Flossing makes a big difference in the prevention of cavities. Generally, when your child starts a kinder garden, they should be able to begin flossing their teeth. Though they may not yet have the skills to do a good job, you should supervise and give tips and pointers now and then to encourage good oral health care. Just like adults, a child should floss their teeth every day. A good time is right before they go to bed, but that is important as long as they floss each day.

Posted on 05/20/24 | by Kris Harris | in Dental Benefits, Dental Insurance | No Comments »

California Family Dental Benefit Insurance, Pregnant with first child

05/18/24

I am going to be having our first child. My husband and I currently do not have dental insurance, but I told him to start looking for it before the baby is due so we will have something in place when he needs to use it. Would we buy a family dental insurance plan that includes a newborn?

Reply: With dental insurance, three people or more would typically be listed as a family plan. So, if you are shopping for dental insurance for all three of you, you want to review the family cost of the dental insurance plan. You could buy a dental insurance plan for a couple if you wish, then add your child to the plan when they start getting their first tooth or when they are one year old, as a general rule of thumb.

Posted on 05/18/24 | by Kris Harris | in Dental Benefits, Dental Insurance | No Comments »

Dental Benefit – California Oral and Dental Health Care

05/14/24

My sister needs better oral and dental health care. Her teeth look yellow to me, and when I ask if she has seen a dentist, she says she can not afford to see one. Are there cheap dental insurance plans out there? 

Reply: It’s understandable that you want to help your sister improve her oral and dental health care. However, making sure she is open to receiving your help before recommending dental insurance plans is essential. Some people may feel offended or embarrassed when others suggest that they need assistance, particularly when it comes to dental care. 

That said, if your sister is open to your suggestion, consider reviewing dental HMO insurance plans. HMO plans are generally more affordable than PPO plans and other types of dental insurance. Most HMO plans provide free or low-cost preventive dental care, which can help your sister maintain good oral health and prevent more serious dental problems.

Under HMO plans, the dental services covered are listed on a fee schedule, so your sister can see the cost of needed dental care ahead of time. This can make budgeting for dental care more manageable and help her avoid unexpected expenses. Additionally, many HMO plans also offer discounts on certain dental procedures, which can help your sister save even more money.

Overall, if your sister is open to receiving your help, reviewing dental HMO insurance plans can be a good starting point for finding affordable dental care options.

Posted on 05/14/24 | by Kris Harris | in Dental Benefits, Dental Insurance | No Comments »

Dental Benefits Insurance for Braces – Low-Cost Dental Insurance for Othodonitic Services.

05/06/24

I need to get affordable braces for my 12-year-old

My dentist told me my son should get braces for an overbite. I am in no rush, but I would like to get him the braces he needs. My dental insurance plan does not offer coverage for braces. The dentist told me not to start orthodontic treatment until I have dental insurance. Where can I find dental insurance for kid braces? If I can find something affordable, I can get my son the necessary braces.

Reply: I understand your concern about finding affordable dental insurance that covers braces for your 12-year-old son. Dental insurance plans vary in coverage options, but some low-cost dental insurance options cover orthodontic services, including braces.

You can start by researching dental insurance plans that specifically include orthodontic treatment. You may also want to check with your employer, as some companies offer dental insurance as part of their employee benefits package. Additionally, you can consider dental discount plans, which can provide reduced rates for orthodontic services.

It’s important to note that some dental insurance plans may have waiting periods before orthodontic treatment is covered, so be sure to review the plan details carefully before enrolling. With some research and careful consideration, you should be able to find an affordable dental insurance plan that covers braces for your son.

Posted on 05/06/24 | by Kris Harris | in Dental Benefits, Dental Insurance | No Comments »

Low monthly dental plans for California – Dental Benefit

05/03/24

I am currently residing in Kentucky and will be moving to California shortly. I am searching for a dental insurance plan that requires a low monthly payment. The plan will cover myself and my child. Can you advise whether I should opt for a family plan or a couple plan? Also, can you suggest some affordable dental insurance plans with good coverage and a low monthly premium?

Reply: With most insurance plans, you can buy a couple plan for two people (in your case, you and your child). For a low monthly cost dental insurance plan, I suggest you review dental HMO insurance plans, as they are the more affordable option for dental insurance.

Some of the popular dental insurance plans with low monthly rates we offer are Delta Dental and California Dental. You can compare their plans and choose the best suits your needs and budget. It’s always a good idea to read the terms and conditions carefully before making a final decision.

Posted on 05/03/24 | by Kris Harris | in Dental Benefits, Dental Insurance | No Comments »

Where to Find Affordable Dental Care for Crowns: Tips and Recommendations

05/01/24

I do not have dental insurance, and I need two dental crowns. My dentist also told me that I should have a small cavity filled before it became a more significant issue. I just do not have the money needed. My dentist quoted me $1500.00 for two crowns and fillings. Where can I get the necessary dental work for half that cost? Because that is about all the extra money I have right now to spend on my teeth care.

Reply: Here are a few options to think about.

1) You can buy dental insurance before starting any dental work. Dental insurance will help reduce the cost of dental care. Just ensure there are no waiting periods for the services you need. 

2) You can shop out your dentist and see if there are dentists in your area that would be more affordable.

3) You can see about going to a dental school if there are any in your area. Dental schools would be much more affordable, but they may have restrictions, so calling and confirming their process is essential. 

4) Ask your dentist if he offers a payment plan option so you can make payments. Or see if other dentists provide payment plans. 

5) Look into dental discount plans and see if dental providers in your area accept them. You may not save 50% for the services you need, but discount plans are a low-cost option, and they will help reduce your dental costs, hopefully making them more affordable for you.

6) Looking into seeing if you have any dental clinic near you. Dental clinics are typically more affordable and charge based on your ability to pay.

Posted on 05/01/24 | by Kris Harris | in Dental Benefits, Dental Insurance | No Comments »

Dental health care, abscessed tooth

04/27/24

I have an abscessed tooth that is just killing me. There is no way I can have a root canal because they want $1500.00 plus the crown cost, and there is no possible way I can afford that. I would like to know if I go to the dentist to get the tooth pulled. Will it affect my other teeth all that much? The tooth I want to pull is in the back. 

Reply: It’s essential to seek immediate treatment for an abscessed tooth to prevent further complications and protect your oral health. With that said if you decide to have the tooth pulled, it shouldn’t affect your other teeth significantly, especially if the tooth is located in the back. However, it’s always best to discuss your concerns with your dentist and ask any questions you may have about the procedure. A dentist can also provide you with options for affordable dental care that fit within your budget.

You may want to find a dentist that will provide the correct dental services to save the tooth but offers a payment plan option. Another option would be looking into buying dental insurance. I suggest reviewing HMO insurance plans as they typically do not have waiting periods for the services you will be needing. Dental insurance will help make cost of dental care much more affordable.  

Posted on 04/27/24 | by Kris Harris | in Dental Benefits, Dental Insurance | No Comments »

Dental Benefit – What Is An Abscessed Tooth?

04/25/24

An abscess is a painful infection at the tooth’s root or sometimes between the gum and the tooth. You can get an abscessed tooth due to untreated tooth decay. However, you can also get abscessed if you have trauma to your teeth, such as breaking or chipping your tooth, gum disease, or gingivitis. If you have an abscessed tooth, you must see your dentist immediately. The abscess or infection may spread from the tooth root to the bone, causing a significant oral health issue.

Treatment of an Abscessed Tooth

The treatment for an abscessed tooth depends on the severity of the infection. Your dentist may need to drain the abscess and prescribe antibiotics to eliminate the infection. In severe cases, a root canal may be necessary to remove the infected tissue and save the tooth. Sometimes, the tooth may need to be extracted if it cannot be saved. It’s essential to seek immediate treatment for an abscessed tooth to prevent further complications and protect your oral health.

Posted on 04/25/24 | by Kris Harris | in Dental Benefits, Dental Insurance | No Comments »

Flossing is one of the easiest things you can do for good dental health.

04/23/24

It may seem hard to believe, but many people do not floss, let alone floss daily. Yet flossing is even more critical than brushing when preventing gum disease, gingivitis, and tooth loss. Flossing your teeth is not so much about removing food bits that are between your gums, though it does do that. Flossing is more about removing dental plaque. Dental plaque is what causes tooth decay, gingivitis, and gum disease. Flossing every day between each tooth is an effective way to remove plaque and provide good oral health. 

Here are some tips to help you floss effectively:

1. Use about 18 inches of floss, winding most of it around your middle fingers and holding the rest between your thumbs and index fingers.

2. Gently insert the floss between your teeth, using a back-and-forth motion.

3. Curve the floss into a C-shape around the base of each tooth and gently slide it beneath the gumline.

4. Use a clean section of floss for each tooth, and be sure to use a fresh section for the upper and lower teeth.

5. Remember to floss behind your back teeth.

6. Be gentle and take your time to avoid injuring your gums.

By following these tips, you can help keep your teeth and gums healthy.

Posted on 04/23/24 | by Kris Harris | in Dental Benefits, Dental Insurance | No Comments »

Dental Benefit – Looking for Dental Insurance on a Minor Dependent Child.

04/17/24

My son is ten, and I have to get him dental insurance. I can not add him to my current plan offer through my job since I live in a different state, even though I am only a twenty-minute drive from him. I have been fighting to no avail with my current dental plan, but since he has not lived with me for more than half the year, they will not add him.

Where can I get dental insurance just for my son? Can I buy a dental insurance plan with only my son as the plan member? Or do I need to add my X to the plan?

Reply: Understandably, you want to get dental insurance for your son, and, unfortunately, you can’t add him to your current plan. However, there are options available for you to explore.

Whether or not you need to add an adult to the plan depends on the dental insurance company and the specific plan you are looking at. Some companies offer plans allowing you to buy coverage only for your son, while others may require you to add an adult. It’s important to note that some plans may not state the option to buy only for your son when reviewing the information online or in brochures. Therefore, it’s always best to call the member services for the plan you are interested in to verify the details.

When you call the member services, you can ask about the different plan options available and if any allow you to buy only for your son. You can also inquire about the coverage provided by each plan, including deductibles, co-insurance, and any exclusions or limitations.

It’s important to carefully review the coverage options available and choose a plan that meets your son’s dental needs and fits your budget. Additionally, you may want to consider if the plan has a network of dental providers in your area, as this can affect the cost and convenience of care.

I hope this helps you in your search for dental insurance for your son. If you have any further questions or concerns, please don’t hesitate to ask.

Posted on 04/17/24 | by carol | in Dental Benefits, Dental Insurance | No Comments »

Dental Benefit – Looking for a dental insurance plan that offers the best benefits

04/15/24

I am getting tired of looking for dental insurance. The dental insurance I will get through my job will not start for another seven months. In the meantime, my wife wants me to find a family dental insurance plan just in case something happens. Truthfully, I would rather wait until my open enrollment. I am tired of her nagging me about it, so I tried to find something online that can work, but it all just goes over my head since it is not something I am into. Please advise me on a good short-term plan since I can get dental through work.

Reply: I completely understand the frustration of looking for dental insurance, but it’s great that you’re taking the initiative to find a plan that works for you and your family. 

An HMO dental insurance plan may be a good option based on your situation, as it typically doesn’t have waiting periods. This means you can start using your benefits right away. Another benefit of an HMO dental insurance plan is that it is generally low-cost, making it more affordable for families. 

An HMO dental plan can range from $20 – $45 a month for a family of three or more, significantly lower than other dental insurance plans. Additionally, most HMO dental plans are monthly, though you may have to commit to a year term, so make sure you read the plan terms and conditions to verify. 

I hope this information has helped you. If you have any further questions, please don’t hesitate to call our office at 310-534-3444 between 8 and 4 M-F. We are happy to help you choose a plan that best fits your needs.

Posted on 04/15/24 | by carol | in Dental Benefits, Dental Insurance | No Comments »

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