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Navigating and Maximizing Your Dental PPO Insurance Plan: Tips and Insights

06/27/24

Question: I am looking for a dental PPO plan to stay with my current dentist, which is essential to me. However, I noted that many dental PPO plans have limitations and restrictions that seem troublesome to anyone needing dental work done. How does one use a dental PPO insurance plan and get work done? I am lucky that I do not have any significant issues right now, but what if I do in the future? I want to get dental insurance, and it has to be a PPO plan, so I would like some tips on how to use the plan best I get.

Reply: Hello! I understand your concerns about finding a dental PPO plan that works well with your current dentist and addresses potential limitations and restrictions. At DentalBenefit.com, we are committed to helping you navigate the complexities of dental insurance and make the most of your PPO plan. In this post, we will provide valuable tips and insights that will empower you to use your dental PPO insurance plan effectively and complete the necessary work while ensuring it meets your future needs. If you have questions about our dental insurance plans, please call our office at 310-534-3444. We are happy to review our dental insurance plan and sell you one that best fits your dental care needs.

Knowing and Understanding Limitations and Exclusions

Navigating dental PPO insurance plans can be complex due to their various limitations and restrictions. Here are a few key points to keep in mind:

1. Network Restrictions: When it comes to dental PPO plans, it’s essential to understand the significance of network restrictions. These plans have established networks of dentists who have agreed to provide services at negotiated rates. By staying within this network, you can benefit from reduced costs and maximize the plan’s coverage. If you visit a dentist outside this network, you may incur higher out-of-pocket expenses. The higher cost could result in reduced coverage for out-of-network dentists or an increased chance of customary fees (*UCR fees) that you would be responsible for paying.

If you have a trusted and preferred dentist you’d like to continue seeing, it’s crucial to ensure they are a provider within the PPO plan you select. Doing so can maintain continuity of care while optimizing the benefits available under the plan. Staying within the provider list safeguards your relationship with your dentist and helps you make the most of the plan’s comprehensive coverage.

Choosing a PPO plan with your current dentist in its network demonstrates a proactive approach to oral health and well-being. It’s a strategic decision that aligns your healthcare needs with the benefits offered by the plan. By advocating for the inclusion of your dentist within the plan’s network, you’re prioritizing not only your comfort and familiarity but also your financial stability when it comes to dental care.

The network provider list is not just a list – it’s a key to unlocking all the benefits of your dental PPO plan. By recognizing the advantages of staying within the network and advocating for your preferred dentist’s inclusion, you are taking charge of your dental health and ensuring you receive the best possible care while maximizing your insurance coverage.

What are UCR Fees?

UCR stands for “Usual, Customary, and Reasonable” fees. These fees refer to the standard charges for dental services in a specific geographic area. In a dental insurance plan, UCR fees are used to determine the maximum amount the plan will cover for a particular dental procedure.

Although UCR fees are more likely to be an issue for non-network providers, it’s essential to note that they can also come into play for plan providers if the insured individual seeks care from a plan provider outside of their rated area. Even if you visit a dentist who is part of your PPO plan’s network but is located in an area with higher UCR fees, you may have to cover the difference in cost between the actual charges and the UCR fees out of pocket.

2. Pre-Authorization Requirements: When it comes to major procedures and treatments, undergoing pre-authorization from the insurance provider can significantly benefit you. It’s an excellent idea to submit a pre-authorization form to the insurance company if you have any doubts about a service being a covered benefit before having the procedure. Here’s why:

Submitting a pre-authorization form allows you to confirm whether the proposed treatment is covered under your dental PPO plan. By taking this proactive step, you can clearly understand the coverage level and potential out-of-pocket costs associated with the procedure. This process empowers you with knowledge and transparency, enabling you to make informed decisions about your dental care without facing unexpected expenses.

Moreover, pre-authorization allows you to discuss alternative treatment options with your dentist, if necessary, and explore potential cost-saving measures. It ensures that you and your healthcare provider are aligned with your insurance coverage, promoting a transparent and collaborative approach to your dental treatment plan.

Additionally, pre-authorization helps in avoiding unpleasant surprises after the treatment is completed. By obtaining confirmation from your insurance provider beforehand, you can proceed with confidence, knowing that the treatment has been approved and you have clarity about the coverage details.

Submitting a pre-authorization form to the insurance company before undergoing major dental procedures demonstrates a proactive and responsible approach to managing your oral health and financial well-being. It equips you with the information needed to make sound decisions about your dental care and minimizes the risk of unexpected financial burdens. Take advantage of this valuable opportunity to ensure that your dental treatments are seamlessly aligned with your insurance coverage, providing peace of mind and clarity throughout the process.

3. Annual Maximums: When considering dental PPO plans, it’s crucial to consider the annual maximums, which represent the maximum amount the insurance will cover for covered services within a year. Once this threshold is reached, any additional expenses are charged as out-of-pocket expenses not covered. Therefore, if you or a family member anticipate more extensive dental care needs, selecting a PPO plan with the highest maximum limitation becomes imperative. While most plans offer a maximum limit of around $3000, it’s essential to note that these figures can vary.

Navigating the plan’s cost can be directly tied to the maximum limitation you anticipate needing. A lower maximum limitation may suffice for those aiming to uphold good dental health and solely require preventive care. However, if you foresee the need for extensive dental work, opting for a plan with a higher maximum limitation is a strategic and prudent choice. By positioning the discussion in this manner, you emphasize the importance of securing a dental insurance plan that aligns with your anticipated dental care needs, which, in the long run, can lead to substantial cost savings and comprehensive coverage.

Furthermore, proactively seeking a plan with an optimal maximum limitation demonstrates a commitment to your dental health and well-being. This proactive approach reflects a forward-thinking mindset, ensuring you are adequately prepared for unforeseen dental care needs. By acknowledging the significance of the maximum limitation and its correlation with the plan’s cost, you are taking a decisive step toward safeguarding your oral health, financial well-being, and overall peace of mind.

How to work with a Maximum Limitation

When managing a maximum limitation in your dental PPO plan, it’s crucial to understand that strategically scheduling your dental services can help maximize your benefits. You don’t have to undergo all necessary dental treatments simultaneously; you can plan and schedule them to align with your maximum limitation. For example, you can divide your dental work, having some procedures done toward the end of the policy term and others at the beginning. This approach can help prevent reaching the maximum limitation too quickly and allow you to maximize your coverage.

By strategically spacing out your dental treatments, you can ensure that you optimize the benefits provided by your PPO plan. This method enables you to spread out the costs across multiple policy periods, making it easier to manage your out-of-pocket expenses and avoid reaching the maximum limitation prematurely. Planning your dental work this way allows you to maintain your oral health effectively while using your insurance coverage best.

Viewing your maximum limitation as a resource to be managed thoughtfully rather than a barrier to receiving necessary dental care is essential. By strategically scheduling your treatments, you’re taking control of your dental health and utilizing your dental PPO plan to align with your long-term oral care needs. This proactive approach not only helps you receive the required dental work but also ensures that you make the most of the benefits offered by your insurance plan.

4. Waiting Periods: Before purchasing a dental PPO plan, it’s crucial to have a comprehensive understanding of any waiting periods it may have for specific procedures. Waiting periods signify coverage for certain treatments not immediately available after obtaining the plan. While it’s impossible to predict all future dental care needs, consulting with your dentist can provide valuable insights to help you select a plan that best aligns with your current and future requirements.

For instance, if your dentist recommends several fillings but the plan has a six-month waiting period for fillings, it’s wise to discuss with your dentist whether it’s possible to delay some or all of the fillings until the waiting period has elapsed. This proactive approach ensures that you can make the most of your coverage when the time comes for the necessary dental work.

By being well-informed about waiting periods and collaborating with your dentist to strategically plan your treatments, you can effectively navigate the nuances of your dental PPO plan and ensure that it meets your specific dental care needs.

How to work with Waiting Periods

Understanding waiting periods under a dental PPO plan is crucial for anyone seeking comprehensive dental care coverage. While it’s common for dental PPO plans to have waiting periods for certain services, some PPO plans offer the benefit of having no waiting periods, which can be extremely valuable for individuals with immediate dental care needs.

Plans without waiting periods for services can be especially beneficial for individuals requiring treatments such as crowns, where immediate care is necessary. However, conducting thorough research is essential to comprehend how these plans may potentially limit your benefits within the first year. Some no-waiting-period plans may impose limitations such as reducing the maximum coverage within the initial year or diminishing coverages for basic and major dental care during that period.

It’s essential to be mindful of these limitations, as PPO plans with no waiting periods often incur higher monthly costs. Despite offering immediate coverage for specific services, these plans may offset the absence of waiting periods by implementing alternative limitations or cost adjustments within the first year. Therefore, individuals must weigh the benefits of immediate coverage against the potential restrictions and higher costs associated with PPO plans that offer no waiting periods.

By carefully assessing and understanding the terms and conditions of PPO plans without waiting periods, individuals can make informed decisions that align with their immediate and long-term dental care needs. It’s imperative to be mindful of the trade-offs and consider the actual value of immediate service coverage within the plan’s overall cost and limitations.

5. Exclusions: Understanding exclusions is crucial when considering a PPO plan. Exclusions refer to services not covered by the plan, such as cosmetic surgery or procedures for purely cosmetic reasons. Exclusions may also include services for congenital or developmental malformations, such as cleft palate, upper and lower jaw malformations, enamel hypoplasia, fluorosis, and anodontia, with exemptions for services provided to newborn children for medically diagnosed congenital disabilities or birth abnormalities. PPO insurance plans typically offer a detailed list of exclusions, including up to 20 or more items. Understanding what is not covered is as important as knowing what is covered.

It’s essential to recognize that exclusions cannot be navigated around, and any dental service not covered by the plan would require you to pay in full for that service. Therefore, being aware of these exclusions is critical in making informed decisions about your dental care. By understanding the limitations of your plan, you can proactively plan for any potential out-of-pocket expenses and explore alternative options when necessary.

Moreover, knowing exclusions empowers you to advocate for preventive and proactive dental care, seeking treatments covered by the plan while being mindful of the services that fall under the exclusions. It’s essential to delve into the details of the exclusions and understand their implications, ensuring that you are fully informed about the scope of coverage provided by your PPO plan. This knowledge enables you to make informed choices that align with your dental care needs and financial well-being, ultimately promoting a proactive and strategic approach to utilizing your dental PPO insurance plan.

Understanding these limitations and restrictions is crucial in maximizing the benefits of a dental PPO plan while avoiding unexpected out-of-pocket expenses. Always review the plan details and consult the insurance provider or dentist if you have any questions.

In conclusion, maximizing the benefits of a dental PPO insurance plan is crucial for receiving quality dental care while minimizing out-of-pocket expenses. By proactively selecting a plan that includes your preferred dentist in its network, advocating for the best coverage, and utilizing pre-authorization for major procedures, you can ensure comprehensive oral healthcare while optimizing your insurance benefits.

For further guidance and to explore our range of dental insurance plans, visit our website, DentalBenefit.com, or call us at 310-534-3444. Our team is dedicated to helping you make informed decisions about your dental care, and we are here to assist you in finding the right dental PPO plan that best fits your needs.

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.

Dental Benefit – Symptoms of an Abscessed Tooth

05/10/24

Symptoms of an Abscessed Tooth Include:

  • Severe and continuous toothache.
  • Fever.
  • Sensitivity to hot or cold.
  • A bad taste in your mouth.
  • Having bad breath and redness or swelling of your gums.

These are just a few symptoms of having a tooth abscess. Note that you only need to have some signs of tooth abscess to have an abscessed tooth. I recommend seeing a dentist to confirm if it is an abscessed tooth or a different dental issue.

Posted on 05/10/24 | by Kris Harris | in Dental Benefits, Insurance Help | No Comments »

Individual dental insurance, HMO dental insurance

05/08/24

I was looking at the Delta Dental HMO plan in California. I wanted to know how it works—besides picking a dentist in the network, which I know is required. What other things should I know about getting an HMO dental plan?

Do I have to pay in full and wait for a refund? I would like to know since that was the last plan I had thought work was like. I did not like paying the dentist in full and then waiting a month for my money back. It was good coverage, but I did not always have the money at the time I needed dental work.

Reply:  Thank you for your question about California’s Delta Dental HMO plan. With an HMO dental plan, you must choose a dentist within the network, and your service cost is based on a predetermined fee schedule. This means that you will know upfront what your out-of-pocket costs will be for each covered service, which can help you budget your dental care. 

Unlike other plans that require you to pay the full fee upfront and then wait for reimbursement, with an HMO plan, you will only be responsible for your portion of the cost at the time of service. This can be a significant advantage if you don’t have the funds to pay for dental work upfront. 

It’s important to note that with an HMO plan, you may have some restrictions on the services you can receive and the providers you can see. However, an HMO plan can be an excellent choice if you are looking for an affordable dental plan with predictable costs.

Posted on 05/08/24 | by Kris Harris | in Dental Benefits, Insurance Help | No Comments »

Monthly rates for dental insurance: Is there dental insurance for low-income homes?

03/30/24

I am 18 and still living at home. My mom works two jobs, and I work part-time while going to school to help out. However, for the most part, it is still challenging for my mom to care for three kids independently. We do not go to the dentist since she can not afford the cost. Are there low-cost options available?

Reply: Dental HMO plans are an excellent option for individuals and families seeking affordable dental insurance. Unlike traditional dental insurance plans, HMO plans typically offer lower monthly premiums and co-pays, making them an attractive option for low-income households. With an HMO insurance plan, you and your family can receive preventive care such as X-rays, oral exams, and cleanings for little to no cost. More expensive dental procedures such as fillings, extractions, and root canals are also covered under HMO plans but at a much lower price. 

To determine if you are eligible for a dental HMO plan, contact your local dental insurance provider or visit their website to explore your options. Many insurance providers offer discounts and unique plans for low-income households, so it is essential to research and compare different options to find the best plan that fits your family’s needs and budget. With a dental HMO plan, you and your family can receive the dental care you need without breaking the bank.

Posted on 03/30/24 | by carol | in Dental Benefits, Insurance Help | No Comments »

Pennsylvania dental insurance for an individual

04/30/11

Pennsylvania dental insurance for an individual.  I am looking for a dental insurance plan that I can get for myself since my job does not offer dental benefits.   A dental insurance plan that would be affordable to me would be around $25 a month but not much more then that.

I do not have major dental issues that I know of any way and I just looking to keep it that way by seeing a dentist for basic dental care and check ups.   Please advise your best dental plan in Pennsylvania

Posted on 04/30/11 | by admin | in Insurance Help | No Comments »

Affordable dental insurance in New Jersey for a family of five.

04/21/11

Affordable dental insurance in New Jersey for a family of five. My wife and I have three children all under the age of 10. We do not have any dental benefits with our jobs but need to get something in place since our family dental care cost is getting out of control.

I looking to get a dental insurance that would be no more then $45 a month for my family So far the dental insurance plans I see are over $100 and that is just not a cost I am wanting to comment to at this time. Do you have any affordable family dental plans that I would be able to review?

Posted on 04/21/11 | by admin | in Insurance Help | No Comments »

Dental Benefits Providers in Texas under your SafeGuard Dental Plan.

04/19/11

Dental Benefits Providers in Texas under your SafeGuard Dental Plan. I live in Texas and been looking for a good affordable dental plan and found your website. I see you offer a dental plan though SafeGuard and it looks like it offer some good dental benefits at a cost that I can afford. Can you advise me on how I go about getting a provider under the plan? I have not been to a dentist in a long while and I am not sure what to ask so I know I am picking a good dental provider within the plan.

Posted on 04/19/11 | by admin | in Insurance Help | No Comments »

Compare and Save on Dental Insurance and or Dental Plans.

04/17/11

Compare and Save on Dental Insurance and or Dental Plans. A key factor when shopping out either dental insurance or a dental discount plan is to really compare the plans and the plan benefits.  A mistake often made is just buying a dental plan based on monthly cost without comparing coverages and the cost for dental services.

Buying a low cost dental plans does not always mean less coverage the same thing goes for buying a high cost dental insurance plans does not always mean more or higher benefits. To really save money on your dental insurance or dental plan review all factors. Cost vs Coverages and or Benefits. Make sure to read the plan term and conditions. Having a full understanding of the dental plan you are buying will save you grief and hassle in the long run.

 

Posted on 04/17/11 | by Kris Harris | in Insurance Help | No Comments »

Comparing Monthly Dental Insurance plans and applying for dental insurance online.

04/16/11

Comparing Monthly Dental Insurance plans and applying for dental insurance online. I would really like some help and advise on getting the best dental plan I can. I live in Texas and had dental benefits in the past though a job.

With in the last two years however I had not have dental benefits and I would really like to start going back to the dentist on a more regular basis. I would like to get an affordable dental insurance plan that I could pay monthly for. I never really bough anything on line and I am not sure of what I should beware of when buying dental insurance online.

Posted on 04/16/11 | by admin | in Insurance Help | 2 Comments »

Individual Low Cost Affordable Dental Plans in California.

04/13/11

Individual Low Cost Affordable Dental Plans in California. On DentalBenefits.com we offer variety of dental insurance plans for individuals, couples and family to get directly. In California we offer dental insurance as well as dental discount plans. From low cost HMO dental insurances plans offer though Delta Dental, Prime Care, California Dental, SafeGuard, Liberty, Dental Health Services, and Pacificare. These are dental insurance plans that offer low monthly or annul cost. HMO dental plans are normally great for people that do not want waiting periods and need to find a plan that will fit into a lower income budget.

The same to be said about our dental discount plans we also offer in California. With dental discount plans you get discounted saving off all dental services render. They do not have any waiting period or yearly max limitations. Like an HMO you do need to stay with in the plan network of dental providers but they are a great low cost dental plan option. If you wanting to review dental discount plans then check out our Careington, Aetna and New Dental Choice.

However for people that want to have a free choice of dentist or are looking for dental plans where they can stay with there current dental provider then reviewing any of our dental PPO and Indemnity plans offer though Always Care, Nationwide, and Blue Shield of CA would be good plan choices to review. .

We continue to strive to add more dental insurance and dental plan options so that you have a wide choice of dental plan options and therefore you will hopefully find the best dental plan for your own dental needs. Please do call our member services if you have any questions about the plans mention. They be happy to help you with any questions you may have. Call 310-534-3444 CA time M-F 8-5

Posted on 04/13/11 | by carol | in Insurance Help | No Comments »

Where in Boston can I find affordable dental insurance.

04/05/11

Where in Boston can I find affordable dental insurance. Hello, I am a full-time student living in Boston. I need to find a low cost affordable dental insurance plan that offer good benefits for dental services. I am not sure want type of dental plan to get and what would be best for me. Can you please advise based on the dental plan you have to offer

Posted on 04/05/11 | by admin | in Insurance Help | No Comments »

Affordable dental care in orange county California.

03/28/11

Affordable dental care in orange county California. My mom is 70 and need to have some dental work done. She has not been to a dentist in a very long time and I want her to get the dental care she has been putting off. I will be paying for her care since she has very little money of her own. So I would like to have some thing affordable where I can get most if not all her dental need met.

Posted on 03/28/11 | by admin | in Insurance Help | 2 Comments »

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InsuranceCompany.com
, Dental4less.com, OnlineDentalInsurance.com, BestDentalPlan.com, DentalOpinions.com, BabyDental.com, MultiflexDental.com,
 
OnlineDentalHelp.com, OnlineHealthCompany.com,
OnlineDentalInsurance.com, USAmericanDental.com, OnlyDentalPlans.com, InsComp.net,
This site does not provide medical or dental care advice It is simply a forum in which consumers can voice their opinions, views, and experiences in an effort to help others with similar problems and situations. Please be sure you consult your doctor first!