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Dental Benefit – Lack of Dental Services During Covid in Utah Costs Individuals

04/20/22

According to a Utah survey data from the American Dental Association, one in five Utah residents report that the appearance of their mouth affects their ability to interview for a job and a quarter of all Utahns report that the state of their mouth contributes to anxiety and embarrassment. Individuals with untreated dental disease often have a harder time getting hired for a job.

Utah’s unmet dental health care needs affect Utahns across the lifespan. They are not only costly to individuals but society as a whole. Millions of taxpayer dollars are spent every year on emergency room visits for non-emergency dental care needs, according to a recent report from the Utah Department of Health.

Posted on 04/20/22 | by carol | in Dental Benefits | No Comments »

Dental Benefit – Why Some People Oppose a Universal Medicare Dental Benefit

03/30/22

Michael Graham, senior vice president of government and public affairs for the ADA (American Dental Association) Stated: “It would be tragic if we didn’t do something for those low-income seniors,”

Graham is critical of the design of the proposals in Congress for a universal Medicare dental benefit, noting that one includes a 20% copay for preventive services that could block low-income patients from getting access to the care they would otherwise be gaining.

“Something is better than nothing, but the something [with a copay] almost equals nothing for many seniors,” Graham says. The ADA backs covering 100% of preventive services for low-income Medicare recipients, he says.

Posted on 03/30/22 | by carol | in Dental Benefits | No Comments »

Planing Ahead When Buying Dental Insurance

08/22/19

Dental insurance review, why you should think ahead when getting dental insurance.

It may seem surprising that many people do not have dental insurance. Dental insurance benefits are not always offer though work so people do without until a major dental need arises. The problem with waiting until you need dental insurance is that by then it can be to let to get the type of dental insurance you want. People find out too late in order to stay with their dentist they may need to get a dental PPO plan.

However most dental PPO plans have long term waiting periods, so when not bought early on you may not get the coverages you are looking for. One thing I suggest is if you have a dentist that you do not wish to change find out what types of dental plans you would need in order to stay with their dental office. If you are with a dental office that only accepts PPO dental plans then you may want to think about getting a dental PPO plan now so you have a plan in place for your future dental needs whether it for preventive dental care or major dental care.

Posted on 08/22/19 | by carol | in Dental Benefits | No Comments »

Dental Benefits – Dental Insurance

08/20/19

Getting the Facts Before You Buy Dental Insurance.

When shopping for dental insurance whether online or though an agent know all the facts about each type of dental plan before buying one. Mistakes happen when you are not clear on how a dental plan works. Buying dental insurance online is very easy and convenient but many times people do not read and understand just what it is they are buying. Before hitting the submit button are you sure you understand the terms of the plan.

Does the dental plan have waiting periods or yearly max dollar amount limitations. Is the plan in network dental providers only or can you go outside the network of dental providers. When is the plan effective. Did you call the dentist to confirm they are still accepting the dental plan in question? Is the plan you are reviewing a dental insurance plan or a dental discount plan? What are you dental needs and are you getting a dental plan that best fit them? Just taking the extra time to fully understand the dental plan you are buying will save you from headaches and being upset latter on.

Posted on 08/20/19 | by carol | in Dental Benefits | No Comments »

Dental Benefits – Dental PPO’s

08/16/19

Dental PPO plans let you choose your own dentist.

What Dental PPO and Indemnity plans have to offer. Dental PPO’s and Indemnity plans do let you choose your own dentist, for many people that can be a deciding factor on buying thoses type of dental insurance plans. For people that want to stay with their current dentist or to be able to choose their own dental provider these types of plans aloud for that.

Dental PPO and Indemnity plans are normally more costly then HMO’s dental insurance plans. Are dental PPO’s and Indemnity insurance plans worth the cost? The answer is yes. If you know your own dental needs and understand the plans terms and conditions many people are quite happy with their PPO plans. Trouble comes when you buy any dental plan without fully understanding the plans limitations.

Posted on 08/16/19 | by admin | in Dental Benefits | No Comments »

Dental Benefit – Free Preventive Dental Care

08/13/19

Question: I have not been to the dentist in some time. I do not think I a have any dental issues going on since my teeth feel fine. However, I have been wanting to see the dentist for my basic dental care. Before I go see a dentist though I would like to get dental insurance that will make my preventive dental care free for me. What type of dental insurance plans should I be looking for.

Reply: If you are looking for a low cost dental insurance plan and do not mind staying with in a net work of dental office providers then you may want to look at dental HMO insurance plans. Most of them will offer free X-rays, office visits and cleanings.

Posted on 08/13/19 | by admin | in Dental Benefits | No Comments »

Dental Benefit – Acid Reflux

08/10/19

Question: This past month I have been getting really bad acid reflux on an off. I take good care of my teeth but since I never had acid reflux so long before I am worried that it may start causing damage to my teeth. Is there any extra care I should be taking during this time?

Reply: Try and brush right after having any acid reflux that come up in your mouth and touches your teeth. The acid over time can wear down your tooth enamel.

If you can not brush then rinse out your mouth with water or drink a glass of milk as milk will help cut the acid

Normally this will not happen over night so if you have a short bout of acid reflux you should not have to worry about your teeth being effected by it.

Posted on 08/10/19 | by admin | in Dental Benefits | No Comments »

Dental Benefit – Braces

08/07/19

Question: I have braces that have rubbers bands that connect my lower and upper jaw. I am told by my dentist to remove the rubber bands when I eat and to replace them every third day. I would like to know is it so bad if I do not take them off while I am eating? They are such a pain to take on and off all the time. Also can I just leave the ones I have in until the brake or something?

Reply: First let me say, I would advise against doing something other then what has been told to you by your orthodontic dentist. They are normally not in the habit of telling you to do things which are not necessary.

With that said: If you eat with the rubber bands on you run the risk of braking them and eating them. Also the reason why you have to change them so often is that over time they lose their tension which is what you need in order for them to work correctly

Posted on 08/07/19 | by admin | in Dental Benefits | No Comments »

Dental Benefit – Crowns Cost

08/01/19

Question: I have yellow teeth with very week tooth enamel. This makes it very easy for my teeth to get cavities. Because I get cavities my teeth chip easy too. I think I am tired of all this hassle and want to just crown all of my teeth. So my question is how much would something like that cost and would dental insurance cover for you to have all your teeth crowned?

Reply: Most dental insurance plans do provide coverage for crowns. However read the dental insurance term and conditions so you know what the limits are. Some dental insurance plans will have waiting periods for crowns and max annual dollar limits making so you are not going to be able to get a full mouth of crowns in one year. Other dental insurance plan may max out the number of crowns you can have in a given year.

In addition, dentist will normally not just crown teeth that do not need to be crowned.

Posted on 08/01/19 | by admin | in Dental Benefits | No Comments »

Dental Benefit – HMO the Affordable Dental Insurance Option

07/27/19

HMO refers to a dental health maintenance organization

These insurance plans, also known as “capitation plans,” operate like their medical HMO cousins. This type of dental plan provides a comprehensive dental care to enrolled patients through designated provider office.

A Dental Health Maintenance Organization (DHMO) is a common example of a capitation plan. The individual and family dentist is paid on a per capita (per person) basis rather than for actual treatment provided.

Participating individual and family dental offices receive a fixes monthly fee based on the number of patients assigned to the office. For that the dentist in the network have agree to the pricing fee schedule for the dental services as listed under the HMO plan details. When you can control cost your cost is normally less.

Posted on 07/27/19 | by admin | in Dental Benefits | No Comments »

Dental Benefit – Dental Cavities

07/25/19

Question: I was told that I have three cavities in my molars two on top and one on the bottom. I do not have dental insurance. I am not in major pain but one of the cavities is hurting me on and off.

The dentist will not take a payment plan from any one. I was quoted 250.00 for all the filling needed but only have about 100.00. I would have to wait another two months before I would have 250.00 but that only if I do not spend my money during that time. Advise please.

Reply: You may want to review dental HMO insurance plans as they are low cost dental insurance plan options generally without waiting period. They will be able to help reduce your cost for dental care.

Posted on 07/25/19 | by admin | in Dental Benefits | No Comments »

Dental Benefit – California Dental Insurance

07/22/19

Question: I live in CA and it seems like there are many different dental insurance plans. I would like to know which plan is the best or which would do you suggest that people get.

Reply: To determine what is the best dental insurance plan for you depends on what you want in a plan.

If you looking for the lower cost plans then review the dental HMO or dental discount plans. If you want to stay with your own dentist maybe the PPO or Indemnity plans would be better for you.

Hard to say for sure without knowing some of your dental needs. I say review some of the plans we a have then if you have any questions please call our member service line we be happy to walk you though the different plans

Posted on 07/22/19 | by admin | in Dental Benefits | No Comments »

Dental Benefit – Dental Discount Plans

07/19/19

Question: Is dental discount plan option good for a family? I would really like a low cost plan but are dental discount plans worth it?

Reply: Dental discount plans are good at reducing your dental cost. If you like the set discount costs that are listed for the services shown under the plan, then it should work well for you. The main thing is to make sure you have a dental provider that is taking the plan before buying one.
Many people do not do this then find out afterwords that there are no dentist or dentist they want to go to.

Posted on 07/19/19 | by admin | in Dental Benefits | No Comments »

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