Before buying a dental insurance plan you should read though the plans terms, conditions, limitations and exclusions.  Having a full understanding of what the  dental insurance plan has to offer you.  Make sure that the dental insurance plan benefits will best fit your dental care needs.

If there is a limitations or exclusions that you do not fully understand, then call member services for an explanation of benefits. It is not a good idea to buy a dental insurance plan for say a crown, only to find out when you go to use it, the plan dose not cover that type of dental service for a year or more. Yet that is a common limitation in many PPO’s.

Read carefully and ask questions if the dental insurance plan benefits are not clear to you.  There are many good dental insurance plans out there that will help you to reduce your dental care cost and maintain your dental health. However there is no one plan fits all.

Question: I am looking for a low cost dental insurance plan. I want to have the normal cleaning twice a year with X-rays. Since I feel I really only ever need preventive dental care, I do not want to have to spend $30-$50 a month for dental insurance for to get two free cleaning a year. Is there any dental insurance where it has a low monthly rate for people that are really only going to be using it twice a year?

Answer: What you may want to look into would be a dental HMO insurance plan. Generally HMO dental insurance plans offer a low monthly cost. HMO dental insurance plans are good over all dental plans and many do offer free office visits, X-rays, and dental cleaning’s. Make sure you read the policy terms to confirm plans coverage’s.

Why are My teeth translucent blue in color after whitening.

Over bleaching can lead to a permanent translucent blue appearance on the teeth. A cosmetic dentist can help correct this discoloration by applying veneers or a bonding agent to the teeth which can be an expensive dental procedure. Finally, the teeth can become more vulnerable to stains since the chemicals remove a protective layer on the teeth call the pellicle.

A deductible is the dollar amount you pay before the insurance benefits kick in. In many dental PPO’s or Indemity plans you will note that there is a deductible a common example would be $50.00 deductible per person up to three people per calendar year. Therefore if you have a familly of four and you all use the plan with in the year one person would not have a deductible.  However it is important to know that each dental insurance plans will very so read to make sure what the deductible is for the plan you are reviewing.

Dental insurance can help you manage the costs of yours and children’s dental care needs. It seems like the cost of just preventive dental care services keeps going up. Making it harder and harder to see a dentist for just your basic care.

However did you know with most dental insurance plans preventive care such as cleaning’s, X-rays, and checks ups are little to no cost? Even basic dental services such as fillings are low in cost with most dental insurance plans. Although some of your major dental care cost such as crowns, root canals and extractions can still be costly they still cost less when you have a dental insurance plan in place.

Dental Erosion is When: The enamel (the hard, protective coating of the tooth) is worn away by exposure to acid, when that happens it leaves the sensitive dentine area of the tooth exposed. Dental erosion of the enamel can result in pain, particularly when consuming hot or cold food. The enamel on the tooth becomes softer and loses mineral content when we eat or drink anything acidic.

However, this acidity is canceled out by saliva, which slowly restores the natural balance within the mouth. But if the mouth is not given enough time to repair itself (because these acid attacks are happening too often) the surface of the teeth is worn away.

If you are shopping for a new dental insurance plan on line you will quickly notice that cost and coverage’s will very greatly depending on the plan type.  In general your lower cost insurance plan options would be the HMO’s where as PPO and free choice of provider plans(call Indemnity dental plan) are more costly but provide the benefit of letting you stay with or choose your own dentist.

Our website DentalBenefit.com provides in most states dental HMO’s, PPO’s, Indemnity and even a dental discount plan option for your review.  To review all our insurance and plan options in your state just enter your zip code in the quote box provided.  If you have questions about the plans and the benefits they provide please call our member services as we be happy to assist you with find the right plan for your dental care needs.

Can teeth whitening be harmful to the teeth and gums?

Teeth whitening can cause damage to the gums and teeth. Many over the counter whitening products and dentists use a hydrogen peroxide or carbamide peroxide base solution to whiten teeth. When over used or used not as directed, these acidic chemicals can destroy the gums and enamel of the teeth. A tooth with a crack or cavity is more susceptible to damage and may even require a root canal.

Soft drinks are the most significant factor in severity of dental erosion, according to a new study published in the Journal of Public Health Dentistry. Anything with a pH value (the measure of acidity) lower than 5.5 can damage the teeth. Diet and regular sodas, carbonated drinks, flavored fizzy waters, sports drinks, fruit and fruit juices are all known to be harmful to teeth if they are consumed too often.

If you are going to drink these types of drinks limit the contact they have on your teeth by drinking though a straw. Also think about substituting that type of drink out with water when ever possible. Water is not only good in the fact it causes no damage to your teeth but it also great for your body

Under most Dental PPO’s and Indemnity (free choice of provider plan) you will notice that they have an annual maximum benefit.  The maximum limitation per person per year normally ranges at around $500.00-$2000.00 depending on the plan you are reviewing.

But what is a maximum limitation? A maximum limitation is the dollar amount the insurance company is willing to spend per person per calendar year.  Such as: Say you have a $1000.00 maximum limitation for a three person family plan, that means each person has a maximum limitation of $1000.00 say from January 2016 to January 2017. Now say one person needs $4000.00 in dental work in a given year. If you do not want to go over your annual maximum benefit you want to make sure you schedule services at the end of one year and the being of next to help reduce your risk of going over your annual maximum benefit and being charged the differences. Please note this example is not taking into account any waiting period or deductible that may be applicable to this plan type specially within the first year of having the dental insurance plan.

Why are my teeth sensitive after using a teeth whitener?

You need to use extreme caution when using teeth whiteners. Over exposure to sensitive gums and teeth by the acids in the whitening agents eat into the gums and teeth. Sometimes this process may damage the teeth. The sensitivity is usually temporary, lasting only for a couple of days.

Buying Dental Insurance That Lets You Keep Your Own Dentist.

Once you find a dentist and or dental office you like and trust it can be very difficult to change providers just because you also want to have dental insurance to help control your dental care cost. However you do not have to do this. There are many good dental insurance plan that let you choose and or stay with your current dentist. These plans are called Indemnity plans. You will see these types of dental insurance plans on our website as Free Choice – Use Your Own Dentist plans. That because Indemnity dental insurance plans do not have providers they let you choose whatever dentist you want to go to. One thing to keep in mind though with Indemnity dental insurance plans is like PPO’s dental plan they to normally come with waiting periods. So it is best to buy these types of dental insurance plan before you have a toothache to take care of.

If you are wanting to have your teeth whiten by a dental profession, you may want to confirm if your dental insurance plan offers benefits for teeth whitening services.  Since teeth whitening fall under cosmetic dental services many dental insurance plans will not provide coverage for whitening.

If you still like to have some savings off the cost of having your teeth whiten you may want to review a dental discount plan as most will provide around a 15 to 20 percent savings off the cost of whiten/cosmetic dental services.

Not only do we at DentalBenefit.com provide dental insurance plans but in most states we also provide dental discount plans as an option that is also available to you.  In order to review all our dental insurance and plan options just enter your zip code in the quote box provided.