Dental Insurance Plans for Families that offer Immediate Coverage’s.

Question: My family and I live in California and I am looking for a dental insurance that offer Immediate coverage’s. I do not care if it cost more since I can afford a higher cost plan. I do not want to have to wait out long term waiting periods before my kids can even start to have any needed dental care.

Reply: On our website dentalbenefit.com in California we have a few dental insurance plan options that do not have waiting periods. You can review our HMO insurance plan options that do have a lower month cost ranging from $16.00 – $40.00 a month for a family and all our HMO plans have no waiting periods.

However if you prefer a PPO insurance plan without waiting periods we also have two plan PPO options that does not have waiting peoiods ranging from $155.00 – $200.00 and up (depending on your zip code) for a family plan. As you can see PPO plans are more costly and ones that do not have waiting periods are also higher in cost. They do let you stay with your own dental provider office if that is a factor for you.

You can review all our dental insurance plan options by entering in your zip code in the quote box provided. If you have any questions about our dental insurance plan options please call our member service line at 310-534-3444 M-F 8am-4pm

Question: I do not want to get dental that has me waiting six months to a year for dental services. I also do not really want an dental discount plan because I am looking for something more then that. Cost is not too much of an issue but what can I get that has the coverage’s effective right away ?

Reply: Depending on the state you live in we offer both dental HMO’s insurance plans that do not have waiting periods as well as some PPO’s plans that do not have waiting periods. PPO’s with no waiting periods are more costly then your HMO dental insurance plans. Not know your budget, I would say review our insurance plan option we have available but entering in you zip code in the quote box provide. Then please call our office at 310-534-3444 if you have any questions about our dental insurance plans as we be happy to help.

California dental care and buying the best dental plan.

Question: I am 19 and more or less on my own now. I am working a full time job that only offer major medical benefits and I work a part time job that does not offer any benefits. I would like to get dental insurance for myself but now sure how to know I am buying the best dental plan for my needs. I have not see a dentist before that I can recall but I take really good care of my teeth and do not feel I need any major dental work. What dental plan should I be looking at?

Reply: What is the best dental plan depends on your own dental needs and what you may want in the plan. In California we have over 35 dental plans options for you to review.

If cost is a factor then you may want to review the dental discount plans or the dental HMO plans since they are the lower cost dental plan options.

However if you want to stay with a current dental office or have the free choice to pick any dentist then you want to review the plans that have that option such as the Dental PPO’s or Indemnity plans

There is more but the main thing is to read the plans terms and conditions know how it work and what if offers so you can choose the best plan for yourself.

Tip on buying Toothpaste

In order to get the most from your toothpaste, consider buying toothpastes that exclude ingredients reduce fluoride bioavailablity like SLS. Also buy your toothpaste in smaller containers, and at more frequent intervals so that your toothpaste stays fresh. This simple trick will help your teeth stay strong and is especially important for individuals at a high risk for cavities

Many state laws mandate that consumers with dental coverage receive a fully detailed patient information handbook — a Description of Benefits — that clearly outlines coverage, deductibles, co-payments, limitations and exclusions… The law mandates that consumers with dental coverage receive a fully detailed patient information handbook — a Description of Benefits — that clearly outlines coverage, limitations and exclusions.

Does my dental insurance provide full coverage?

Many dental insurance plans will not provide coverage for all procedures 100%. Most plans have deductibles and co-payments.

What is a deductible on a dental insurance plan?

The deductible is the amount to be paid to prior to coverage. This amount varies depending on the type of dental plan.

What is a co-payment on a dental insurance plan?

A co-payment is the amount to be paid by the insured for a portion of services rendered.

What are limitations and exclusions on a dental insurance plan?

Limitations and exclusions on a dental insurance plan is the amount the dental insurance plan will not cover for dental treatments. Many dental insurance plans have limitations and exclusions. Therefore, it is important to read the limitations and exclusions prior to the purchase of dental coverage.

If you can not afford dental insurance a dental discount plan may be a good alternative. Dental discount plans are not insurance, however they offer saving by as much as 10% to 60% on a range of dental procedures provided by participating dentists. This website provides both dental insurance as well as dental discount plans for your review.

There are dental clinics throughout the country that offers low to free dental care to low income households. In addition, Dentistry From The Heart has hundreds of events each year, during which free dental care is made available to communities across the country.

The simple act of taking care of your teeth at home will help you save you money in dental care cost

If you are wanting to save money on your dental care needs, the first step in doing that is at home. Brushing and flossing every day can save a considerable amount of money. Taking good care of your teeth can prevent costly dental procedures. In addition an affordable dental insurance policy will give you peace of mind. If something happens and you need major dental work, you have an affordable plan to fit your needs.

Periodontal disease is a common condition that ranges from simple gum inflammation to a serious disease causing major damage to the soft tissue and bone that support the teeth, and loss of teeth. Periodontal disease has also been linked with heart disease, stroke, and diabetes, as well as oral, esophageal, head and neck, pancreatic and lung cancers. Previous studies have suggested that chronic inflammation could provide the link. Risk factors for periodontal disease include genetic predisposition, smoking and hormonal changes in girls and women, which can make gums more sensitive so that it is easier for gingivitis to develop. People with reduced ability to fight infection due to diseases such as diabetes or treatment for cancer are also prone. Medications that limit the flow of saliva can also leave the mouth vulnerable to infections.

For some people they question whether or not the really need a root canal when they do not have any pain. However it is important to know that many teeth that need root canal therapy will not cause pain. But that does not mean the tooth is okay. Your dentist and or endodontist specialist have ways to see if the tooth’s pulp is damaged or infected. If it is, then you will need root canal treatment, even if the tooth does not hurt.

Therefore if you see something near a damaged tooth that looks like a pimple, see your dentist. The “pimple,” called a fistula, is a tunnel of tissue draining pus from an infection. There is no pain because the fistula keeps pressure from building in the tissue. It can come and go. The infection must be treated, and the tooth probably needs root canal treatment. Without treatment, nearby tissues will become infected.

Did you know that you should be cleaning your child’s mouth even before their teeth come in?

For good oral health you want to wipe the gums off after each feeding with a warm, wet washcloth or a dampened piece of gauze wrapped around your finger. You can also buy thimble-like, soft rubbery devices (they fit over your index finger) to use for rubbing off excess food. Doing this will not only keep your child mouth clean but it will also make your baby become accustom to you doing this and then brushing teeth later on becomes easier.

Many PPO and Indemnity insurance plan will have a specific dollar deductible. During a benefit period,(normally per calendar year) you personally will have to satisfy a portion of your dental bill before your benefit plan will contribute to your cost of dental treatment. Your plan information will describe how your deductible works. Plans do vary on this point. For instance, some dental plans will apply the deductible to diagnostic or preventive treatments, and others will not.

How do I know if I have gingivitis?

Gingivitis an inflammation of the gums and is the initial stage of gum disease. Some of the symptoms may include red or swollen and tender gums that may bleed when you brush.

In order to prevent Gingivitis you would brush at least twice a day and floss daily. Now however it is very important to clean off all plaque that is on your teeth and under your gums. A dentist can do that by doing a deep cleaning. If Gingivitis goes untreated for too long you can start to have bone loss which can lead to teeth loss.

Therefore if you think you may have gingivitis or asking yourself if you do or not. Then it is time to see a dentist to confirm and treat if necessary