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Online Dental Insurance – Taking Your Child To The Dentist

May. 22nd 2024

Question: Why should I take my toddler to the dentist when his baby teeth will fall out anyway? I remember asking my parents this same question, who didn’t see the need until I was a teenager with adult teeth. They said it was unnecessary as they ensured I had good at-home dental habits, and they could not afford to go to the dentist. 

Answer:  It’s understandable to have questions about taking your toddler to the dentist, especially if you didn’t receive regular dental checkups as a child. You might wonder why taking your toddler to the dentist is necessary when their baby teeth will eventually fall out anyway. 

However, it’s crucial to understand that baby teeth play a critical role in developing a child’s permanent teeth. They serve as placeholders for adult teeth; if they’re not correctly cared for, it can lead to problems. For instance, if baby teeth are lost too early due to decay or injury, it can cause spacing issues and make it difficult for permanent teeth to grow correctly. Knowing this empowers you to take early action and ensure your child’s oral health is on the right track. 

Dental professionals recommend starting dental checkups as early as one year old and continuing them every six months. Not only can it help establish good oral hygiene habits early on, but it can also catch any potential issues before they become more serious. While good at-home dental habits are important, it’s also essential to have regular checkups with a dental professional to ensure that your child’s teeth are developing correctly and to catch any potential problems before they become more serious. 

While it’s understandable that your parents may not have seen the need for regular dental checkups due to financial constraints, it’s essential to prioritize your child’s oral health as much as possible. Resources such as dental insurance and government programs for low-income families are available to help make dental care more affordable. It’s always okay to start prioritizing your child’s oral health and ensuring they receive the care they need to maintain a healthy smile for years.

Balancing At-Home Dental Care with Regular Checkups: A Guide to Your Child’s Optimal Oral Health

Your parents were on the right track when they emphasized the importance of good at-home dental care. Brushing twice daily, flossing daily, and avoiding sugary foods and drinks are all essential to maintaining good oral hygiene. However, it’s important to remember that good at-home care alone is not enough to ensure optimal oral health.

Regular dental checkups and cleanings are crucial to maintaining healthy teeth and gums. Dental professionals can assess your child’s oral health during these visits and catch any issues before they become more serious. They can also provide recommendations for at-home care, such as the best toothbrush and toothpaste for your child’s age, and answer any questions you may have about your child’s dental health. Their expertise and guidance can help you ensure that your child’s dental care routine is effective and appropriate for their needs.

Conversely, relying solely on dental visits without maintaining good at-home dental habits can also lead to problems. Even with regular checkups, poor oral hygiene habits such as infrequent brushing or not flossing can still result in gum disease, cavities, and other dental problems. Maintaining a balance between good at-home care and regular dental visits is crucial for optimal oral health.

Therefore, balancing good at-home care and regular dental visits is essential. By encouraging your child to brush and floss regularly and ensuring they attend regular dental checkups, you are taking proactive steps to maintain their oral health. This should instill confidence in your ability to care for your child’s teeth and gums, knowing that you are doing everything possible to keep them healthy and strong for years.

Establishing good home dental habits early on is crucial for your child’s oral health. Some good home dental habits for toddlers include brushing their teeth twice daily for two minutes each time with a soft-bristled toothbrush and fluoride toothpaste. It’s essential to use a toothbrush designed for children and teach them how to brush their teeth correctly, including brushing all surfaces of their teeth and their tongue. 

Flossing is also an essential part of good oral hygiene, and it’s recommended that you start flossing your child’s teeth as soon as they have two teeth that touch. Use a soft, flexible floss threader to help guide the floss between the teeth, and gently move it up and down to remove any food particles or plaque. Be sure to floss both sides of each tooth and along the gumline. Flossing once a day can help prevent cavities and gum disease.

Limiting sugary foods and drinks can also help prevent tooth decay and cavities. Please encourage your child to drink water instead of sugary drinks like soda or fruit juice and limit their intake of candies, cookies, and other sugary snacks. Instead, opt for healthier snacks like fruits, vegetables, and cheese. It’s also important to supervise young children brushing their teeth to ensure they do it correctly and encourage them to spit out toothpaste instead of swallowing it.

By starting these habits early on, you can help establish good oral hygiene practices that will benefit your child’s dental health for years. When continued into adulthood, these habits can help prevent dental issues such as cavities, gum disease, and tooth loss. You can also make dental care fun by letting your child pick out their toothbrush and toothpaste, playing music while brushing, or using stickers or rewards for good brushing habits. Remember, good oral hygiene habits start at home and can have a lasting positive impact on your child’s dental health.

The Importance of Preventing Early Baby Teeth Loss for Your Child’s Dental Health and Overall Wellbeing

Losing baby teeth too early can significantly affect a child’s dental health. Baby teeth serve as placeholders for adult teeth, and if they’re lost too early due to decay or injury, it can cause spacing issues and make it difficult for permanent teeth to grow correctly. This can lead to various dental problems, including misaligned teeth, difficulty chewing, and an increased risk of tooth decay and gum disease. 

Losing baby teeth too early can cause the remaining teeth to shift towards the space, potentially leading to crooked or misaligned permanent teeth. It can also lead to speech impediments, difficulty chewing and biting, and an increased risk of tooth decay and gum disease.

Sometimes, losing baby teeth too early can also affect a child’s confidence and self-esteem. If children have gaps in their teeth or struggle with speech or eating, they may feel self-conscious about their appearance, which can impact their social interactions and overall quality of life. It’s important to remember that dental health is not just about physical health but also about emotional and psychological well-being.

Regular dental checkups are crucial to maintaining healthy baby teeth and preventing early loss. Dental professionals can catch potential issues early on and provide appropriate treatment to prevent further damage. Suppose a baby’s tooth is lost too early due to decay or injury. In that case, a dental professional may recommend a space maintainer to prevent the remaining teeth from shifting and to ensure that the permanent teeth grow correctly.

In summary, losing baby teeth too early can significantly affect a child’s dental health and overall wellbeing. By prioritizing regular dental checkups and early intervention, parents can help prevent early tooth loss and ensure their child’s dental health stays strong for years.

Tips to Help Children Overcome Fear of Going to the Dentist

It’s not uncommon for children to feel scared or anxious about going to the dentist. However, there are several things you can do to help ease their fears and make the experience less stressful.

First, being honest with your child about what to expect during their dental visit is essential. Explain to them what will happen during the checkup, including the dentist’s tools, and reassure them that it won’t hurt. You can also use books or videos to help your child understand what will happen during their visit.

Another helpful strategy is to role-play with your child. You can take turns pretending to be the dentist and the patient, using a toothbrush and a mirror to practice what will happen during the appointment. This can help your child feel more comfortable and understand what to expect.

Distraction techniques can also be effective in easing your child’s fears. You can bring their favorite toy or book to keep them occupied during the appointment or play their favorite music to help them relax.

Finally, consider choosing a dentist who is experienced in working with children and has a kid-friendly office. A waiting area with games or toys can help your child feel comfortable and relaxed before their appointment.

Remember, it’s essential to be patient and understanding with your child if they’re feeling scared or anxious about going to the dentist. By taking these steps, you can help them feel more comfortable and confident about their dental visits, setting them up for a lifetime of good oral health.

Proper Toothbrushing Habits for Children: When to Start and How to Ensure Safety

As a helpful reminder, young children should not especially swallow toothpaste. While toothpaste is safe when used correctly, it contains fluoride, which can be harmful if ingested in large amounts. Therefore, parents should supervise their children when brushing their teeth to ensure they use the appropriate amount of toothpaste and spit it out after brushing.

When children start brushing their teeth independently, it can depend on their age, development, and ability to brush them correctly. Generally, children can start brushing their teeth independently when they have the fine motor skills necessary to hold a toothbrush and brush all surfaces of their teeth correctly. This can vary, but it’s usually around six to eight years old.

Before that age, parents should help their children brush their teeth and supervise them to ensure they are brushing correctly. Parents can start teaching their children proper brushing techniques as early as one year old when they get their baby teeth. Teaching children the importance of good oral hygiene early on can help establish good habits that will last a lifetime.

It’s important to note that even when children start brushing their teeth independently, parents should still supervise them to ensure they are using the right amount of toothpaste, brushing all surfaces of their teeth, and spitting out the toothpaste after brushing. This will help prevent any potential issues from improper brushing or swallowing toothpaste.

In summary, it’s not okay for young children to swallow toothpaste, and parents should supervise their children when brushing their teeth to ensure they are using the appropriate amount of toothpaste and spitting it out after brushing. When children start brushing their teeth independently, it can depend on their age, development, and ability to brush them correctly. Parents can begin teaching their children proper brushing techniques as early as one year old and should continue to supervise them even when they start brushing independently.

Affordable Dental Care for Low-Income Families: Insurance and Government Programs

Dental care can be expensive, and low-income families may struggle to afford it. Dental insurance and government programs help make dental care more affordable for those who need it. Dental insurance covers some or all of the costs of dental care. Many employers offer dental insurance as part of their benefits package, and individuals can also purchase it independently. Dental insurance can cover many services, including routine checkups, cleanings, fillings, and even significant procedures such as root canals and crowns.

Government programs are available to help low-income families who cannot afford dental insurance. Medicaid is a federal and state-funded program that provides health insurance to those with certain incomes and other eligibility requirements. Medicaid covers dental services for children, and some states also cover those for adults.

CHIP (Children’s Health Insurance Program) is another government program that provides health insurance to children from low-income families who do not qualify for Medicaid. CHIP covers dental services for children, including routine checkups, cleanings, and fillings.

In addition to Medicaid and CHIP, community health centers provide low-cost or free dental care to those who cannot afford it. These centers are often located in underserved areas and provide many services, including routine checkups, cleanings, fillings, and dentures.

Overall, dental insurance and government programs can be lifelines for low-income families who need dental care. By taking advantage of these programs, families can ensure their children receive dental care to maintain healthy smiles and overall wellbeing.

Affordable Dental Insurance Plans for Your Child’s Dental Care Needs

Dental insurance can be an excellent way to make baby dental care more affordable while ensuring your child receives the best possible dental care. By purchasing dental insurance, you can help offset the cost of regular checkups, cleanings, and other essential dental services your child needs. 

OnlineDentalInsurance.com offers various dental insurance plans to help you find the coverage that best suits your family’s needs. Our plans are designed to be affordable and flexible so you can choose the right one for your family’s budget and dental care needs. 

By purchasing dental insurance through OnlineDentalInsurance.com, you can rest assured that your child’s dental care needs are met without breaking the bank. Our plans provide access to quality dental care providers nationwide, so you can find a dentist near you that accepts your insurance. 

In addition to providing affordable dental insurance plans, OnlineDentalInsurance.com also offers a wealth of information about dental care, including tips on how to keep your child’s teeth and gums healthy and strong. Dental care is essential to overall health and wellbeing, and we are committed to helping families access the care they need at a price they can afford.

If you have any questions, would like to receive a free quote, or purchase dental insurance, please don’t hesitate to call OnlineDentalInsurance.com at 310-534-3444. Their customer service team is available Monday through Friday from 8 a.m. to 4 p.m.

Posted on May. 22nd 2024, by carol, in Cleaning, Dental Care, Dental Fear, Dental Help, Dental Insurance, Dental Plans, Dental PPO, Dental Quotes, Teeth Cleaning, Comments Off on Online Dental Insurance – Taking Your Child To The Dentist

Are You Getting the Facts Before You Buy Dental Insurance? 

May. 8th 2024

When it comes to dental insurance, it’s crucial to empower yourself with all the facts before purchasing. With many options available online and through agents, making mistakes that could have long-term financial implications is easy. That’s why it’s empowering to take the time to fully understand each type of dental plan before making a decision that affects your health and your wallet.

Understanding the terms of a dental insurance plan is crucial when purchasing. These terms include waiting periods, limitations on the yearly maximum dollar amount, and whether the plan is limited to in-network providers. Knowing when the plan becomes effective and if your dentist accepts it is also important. This knowledge will empower you to make an informed decision about your dental insurance.

But before you even start looking at plans, it’s important to personalize your dental needs assessment. Everyone’s dental needs are unique, and what works for one person may not work for another. For example, if you have a history of gum disease or other dental issues, you may need a plan with more coverage for preventative care. On the other hand, if you have generally good dental health and only need routine cleanings and checkups, a plan with less coverage may be more suitable for you.

Once you understand your dental needs well, it’s time to start comparing plans. Several types of dental plans are available, each with pros and cons. Some of the most common types of dental plans include:

  • Traditional indemnity plans offer the most flexibility but tend to be expensive. With a traditional indemnity plan, you can choose any dentist you want, and the plan will pay a certain percentage of the cost of your care.
  •  Preferred provider organizations (PPOs): PPO plans offer a network of providers you can choose from but also allow you to go outside the network if you’re willing to pay a higher cost. PPO plans are less expensive than traditional indemnity plans but offer great flexibility.
  •  Dental health maintenance organizations (HMOs): DHMO plans are typically the least expensive but offer the least flexibility. With a DHMO plan, you’ll have to choose a primary care dentist from a network of providers, and you’ll typically only be covered for services provided by that dentist.
  • Dental discount plans are an alternative to traditional insurance, offering discounts on dental services provided by participating dentists. While they don’t technically qualify as insurance, these plans can be an excellent option for those who do not require extensive dental work and want to save money on routine checkups and cleanings. With a dental discount plan, you can receive quality dental care at a reduced cost without worrying about paying high premiums or deductibles. It’s an affordable way to maintain oral health and keep your wallet happy.

When comparing dental plans, it’s not just about the cost. It’s also about the level of coverage and the network of providers. Ensure the plan you choose covers the services you need and that you’ll be able to see a dentist you’re comfortable with. By comparing plans, you can find the one that best meets your needs and budget.

It’s also worth noting that dental insurance plans can vary widely in terms of what they cover. Some plans may cover basic preventive care, while others may cover more complex procedures like root canals and crowns. Some plans may also have exclusions or limitations on certain types of care, so it’s essential to read the plan benefits, terms, and conditions carefully.

Finally, it’s worth considering whether dental insurance is right for you. If you have good dental health and only need routine cleanings and checkups, paying out of pocket may be more cost-effective. On the other hand, if you have more complex dental needs, dental insurance may be a good investment.

In conclusion, shopping for dental insurance can be overwhelming, but taking the time to fully understand each type of plan and your own dental needs can help you make the best decision for your health and your wallet. Read carefully, compare plans and provider networks, and consider all your options before purchasing.

7 Easy Steps for Healthy Teeth and Gums: A Guide to Good Dental Habits

Good dental habits are not just about what you do at home but also about regular dental visits. Proper home dental care can prevent dental problems such as tooth decay, gum disease, and bad breath. Regular dental visits are essential for maintaining healthy teeth and gums. They can help detect early signs of dental issues and prevent them from becoming more serious. This guide will explore some easy steps to improve your at-home dental care habits and enjoy a healthy, beautiful smile. 

1. Brush your teeth twice a day: Brush your teeth at least twice a day using fluoride toothpaste. Brushing your teeth removes food particles, plaque, and bacteria that can cause tooth decay and gum disease.

Proper brushing of your teeth is essential to maintaining good oral health. Here are the steps to brushing your teeth correctly:

  •  Choose the right toothbrush: Select a toothbrush with soft bristles that can easily reach all areas of your mouth.
  • Use fluoride toothpaste: Fluoride helps to prevent tooth decay and strengthens tooth enamel.
  •  Wet your toothbrush and add toothpaste: Wet your toothbrush under running water and add a pea-sized amount.
  • Brush your teeth: Hold your toothbrush at a 45-degree angle to your teeth and brush in circular motions. Brush each tooth’s front, back, and top surfaces, making sure to reach all areas of your mouth.
  •  Brush your tongue: Brush your tongue to remove bacteria that can cause bad breath.
  •  Spit out the toothpaste: Spit out the toothpaste into the sink.
  •  Rinse your mouth and toothbrush: Rinse your mouth thoroughly with water and rinse your toothbrush under running water.
  •  Floss your teeth: Floss between your teeth to remove any food particles and plaque that may have been missed during brushing.
  •  Rinse your mouth again: Rinse your mouth again with water to remove any remaining toothpaste or debris.

Brushing your teeth at least twice daily, for two minutes each time, is recommended. Remember to replace your toothbrush every three to four months or when the bristles become frayed. These steps help maintain good oral health and prevent cavities and gum disease.

2. Floss daily: Floss at least once a day to remove plaque and food particles from between your teeth and along the gum line. Flossing helps to prevent gum disease and cavities. Here are the steps to floss your teeth correctly:

  • Choose the right floss: There are different types of floss available, such as waxed, unwaxed, flavored, or unflavored. Choose the one that works best for you.
  • Cut off a piece of floss: Cut off a piece of floss about 18 inches long.
  • Wrap the floss: Hold the floss tightly between your thumbs and forefingers, and wrap it around your index fingers to make it taut.
  • Gently insert the floss: Gently insert the floss between your teeth using a back-and-forth motion. Be careful not to snap the floss into your gums, which can cause bleeding and damage.
  • Curve the floss: Curve the floss around the base of each tooth, making sure to go beneath the gumline. Use a clean section of the floss for each tooth to avoid spreading bacteria.
  • Use a gentle motion: Use a gentle up-and-down motion to remove the plaque and food particles. Avoid using a sawing motion, as this can damage your gums.
  • Rinse your mouth: Once you have flossed all your teeth, rinse your mouth with water to remove any remaining debris.

Flossing should be done at least once daily, preferably before brushing your teeth. It may take some practice to get the hang of flossing, but it will become easier and more natural with time. Remember to be gentle, and stop and consult your dentist if you experience any pain or discomfort.

3. Use an antiseptic mouthwash to kill bacteria and freshen your breath. Mouthwash can help to prevent gum disease and cavities. Choosing the best antiseptic mouthwash can depend on several factors, including your dental needs, personal preferences, and underlying medical conditions. It’s always a good idea to consult your dentist or healthcare provider to determine which mouthwash is most beneficial for you. Some factors to consider when selecting an antiseptic mouthwash include the ingredients, flavor, alcohol content, and potential side effects. Reading product labels and researching online can also help you make an informed decision.

4. Eat a healthy diet: A healthy diet low in sugar and high in fruits, vegetables, and whole grains can help prevent tooth decay and gum disease. Several foods are good for teeth and can help maintain good oral health. Here are some of them:

  • Dairy products: Dairy products like milk, cheese, and yogurt are rich in calcium, phosphorus, and vitamin D, essential for strong teeth and bones. Calcium and phosphorus help to remineralize and strengthen tooth enamel, while vitamin D aids in the absorption of calcium.
  • Leafy greens: Leafy greens like spinach, kale, and lettuce are rich in calcium and other essential vitamins and minerals that help to protect and strengthen teeth.
  • Apples: Apples are high in fiber and water, which help stimulate saliva production in the mouth. Saliva helps to wash away food particles and bacteria that can cause tooth decay and gum disease.
  • Carrots: Carrots are crunchy and high in fiber, which makes them great for cleaning teeth and stimulating saliva production. They are also rich in vitamin A, which helps to maintain healthy tooth enamel.
  •  Nuts: Nuts like almonds, cashews, and walnuts are good sources of calcium, phosphorus, and other essential nutrients that help strengthen teeth and prevent tooth decay.
  •  Green tea: Green tea is rich in antioxidants and polyphenols, which have been shown to reduce inflammation and prevent the growth of bacteria in the mouth. Drinking green tea can help to protect teeth and gums from disease.

It is important to remember that while these foods are good for teeth, they should be consumed as part of a balanced and healthy diet. Good oral hygiene habits include:

  • Regular brushing and flossing.
  • Scheduling routine dental checkups and cleanings.
  • Staying away from sugary and acidic foods and drinks that may harm teeth.

5. Limit sugary and acidic foods and drinks: Sugary and acidic foods and beverages can erode your tooth enamel and lead to tooth decay. Limit your intake of these types of foods and beverages.

6. Drink plenty of water: Water is essential for good oral hygiene. Drinking plenty of water helps to rinse away food particles and bacteria that can accumulate in our mouths throughout the day. When we eat, tiny food particles can get stuck between our teeth and gums, leading to tooth decay and gum disease. Drinking water helps to flush out these particles, reducing the risk of dental problems. Additionally, drinking water can help stimulate saliva production, crucial for neutralizing harmful acids and protecting our teeth from decay. Therefore, drinking plenty of water throughout the day is highly recommended to maintain good oral health.

7. Visit your dentist regularly: Regular dental checkups and cleanings are important because they help to keep your teeth and gums healthy. During a dental checkup, your dentist can examine your teeth, gums, and mouth for any signs of decay, gum disease, or other oral health issues. This allows your dentist to detect and treat problems early before they become more severe and require more invasive treatments.

Additionally, regular dental cleanings help remove any plaque or tartar buildup that may have formed on your teeth. Even if you brush and floss regularly, it can be challenging to remove all the plaque and tartar from your teeth. A professional dental cleaning can help remove this buildup, which can help prevent cavities, gum disease, and other oral health problems.

Overall, scheduling regular dental checkups and cleanings can help maintain good oral health and prevent more serious dental problems from developing.

By following these simple steps, you can improve your at-home dental care habits and enjoy a healthy, beautiful smile. Remember that good dental habits are essential for maintaining healthy teeth and gums.

Importance of Dental Health and How Dental Insurance Can Help

It is essential to recognize that maintaining good dental health is key to preserving overall health and well-being. By staying informed about the various types of dental plans available and your individual dental needs, you can make an informed decision about purchasing dental insurance. 

Moreover, adopting healthy dental habits at home and scheduling regular checkups can go a long way toward preventing dental problems and keeping your smile in tip-top shape. After all, a healthy smile is a reflection of a healthy body. 

It is crucial to understand that investing in dental care today can prevent significant discomfort, inconvenience, and costly dental treatments in the future. Committing to a consistent dental care routine can protect your oral health and allow you to enjoy a beautiful smile for years. Remember, your teeth are essential to your body, and taking care of them should be a top priority.

If you are searching for dental insurance or have any questions about the plans available, you can contact us at OnlineDentalInsurance.com. Our team of experts is available to assist you Monday through Friday from 8 am to 4 pm. Choosing the right dental insurance plan can be overwhelming, so we are here to guide you through the options and help you find the right plan that suits your unique needs and budget. With our extensive knowledge of the dental insurance industry, we can provide you with all the information you need to make an informed decision. So don’t hesitate to call us at 310-534-3444 and let us help you navigate the world of dental insurance.

Posted on May. 8th 2024, by carol, in Dental Implants, Dental Plans, Dental PPO, Family Dental Care, Individual Dental Plans, Supplemental Dental, Comments Off on Are You Getting the Facts Before You Buy Dental Insurance? 

Understanding Dental Insurance – Online Dental Insurance 

May. 1st 2024

Question: I need to understand how dental insurance works. I have a dental insurance PPO plan through my job, but it could be better. I am considering removing it and getting just the medical. Why have insurance if you have to pay the dentist? I thought it would not cost me anything to see the dentist for any services, yet I just had to pay $100.00 for primary care.

Reply: Dental insurance can be confusing, but I’m here to help you understand it better. It’s great that you have a dental insurance PPO plan through your job, but I understand you’re considering removing it and getting just the medical. However, it’s important to note that dental insurance is different from medical insurance. While medical insurance covers a wide range of health services, dental insurance is specifically designed to make dental care more affordable, not completely free. Just like medical insurance, dental insurance has a cost paid out by the insured. While it may seem like an additional expense, the cost of dental insurance is often less than the potential cost of dental procedures, making it a wise investment in your dental health. 

You may wonder why you should have dental insurance if you still have to pay the dentist for services. The truth is that dental insurance is meant to help you save money on dental care, not eliminate all costs. However, having dental insurance can still be worth the price, even for preventive care. Let me give you an example. 

Consider this scenario: you only require preventive care, including office visits, bite-wing X-rays, oral exams, and basic cleaning. Without insurance, these services can range from $200 to $400. However, most low-cost HMO plans range from $8 to $20 monthly, and preventive care is typically free. This stark difference in cost highlights the significant savings dental insurance can provide, even for basic care. The example should reassure you that dental insurance is a wise financial investment, even for routine checkups. 

Dental insurance acts as a safety net, providing a sense of security in managing the costs of unforeseen dental care services. Whether it’s a root canal, dental implants, or orthodontic treatment, the expenses can escalate. Dental insurance ensures you can access the necessary care without financial strain, offering reassurance about your financial security. This should make you feel prepared for any unforeseen dental issues, knowing that you’re covered. 

While dental insurance may not cover all costs, it remains a valuable long-term investment in dental health and well-being. If you have any questions or concerns about your dental insurance plan, please get in touch with your employer or insurance provider for more information. Remember, dental insurance is about financial savings and ensuring you can maintain your dental health and well-being in the long run. This emphasis on the value of dental insurance should make you feel confident in your decision to invest in it.

If you have any queries related to dental insurance and are looking for a plan that fits your needs better than your current one, feel free to contact us. We are always here to help you out. You can visit the OnlineDentalInsurance.com website for more information on our dental insurance plans. Additionally, you can also call us at 310-534-3444 for a personalized consultation. Our team of experts will be more than happy to assist you in finding the best plan that caters to your dental needs and budget. Dental insurance can sometimes be confusing, but we are here to guide you through the process and help you make an informed decision. So, don’t hesitate to get in touch with us.

Exploring Dental HMO Insurance Plans as an Affordable Alternative to PPO Plans

If you feel that the PPO dental insurance plan you have through your employer is not providing you with the coverage you need, you may want to consider exploring a dental HMO insurance plan option. A dental HMO plan, or Health Maintenance Organization plan, allows you to choose a dental provider from a pre-approved list of dentists in exchange for lower costs. This type of plan is often more affordable than a PPO plan, making it an excellent option for those looking to save money on dental care.

Upon enrolling in a dental HMO plan, the plan assigns you a primary care dentist responsible for all your dental care needs. This dentist will provide routine checkups, cleanings, and other basic dental services and refer you to a specialist if you need more advanced care. Because the dental HMO plan is designed to keep costs low, you pay based on the plan’s copayment/fee schedule for each dental service provided. A copayment is a fixed amount you pay for a covered service, such as $ 10 for a cleaning. The overall cost of care is typically much lower than with a PPO plan.

One thing to keep in mind when considering a dental HMO plan is that you will generally be limited to using dentists within the HMO network. However, many plans have an extensive network of providers, so you should be able to find a dentist who meets your needs.  

Before enrolling in a dental HMO plan, it’s essential to carefully review the plan’s benefits and limitations to make sure it will meet your needs. It would help if you also considered the costs associated with the plan, including copayments and deductibles, to ensure that it fits within your budget. Finally, you should research the dentists within the plan’s network to ensure providers in your area can provide the care you need.

If you’re interested in exploring a dental HMO plan, many resources are available to help you compare plans and find the one that’s right for you. You can start by contacting your employer or insurance provider to see if they offer a dental HMO plan. You can also research plans online or work with an insurance broker who can help you find the best plan for your needs. With some research and planning, you can find a dental insurance plan that provides the coverage you need at a price you can afford.

Tips for Shopping Dental Insurance Plans Directly: Why You Should Carefully Read Terms and Conditions

If you’re considering switching from your current dental insurance plan to a direct-buy option, it’s crucial to thoroughly understand each plan’s terms, conditions, limitations, and exclusions. This understanding empowers you to make informed decisions, ensuring you’re aware of what your chosen plan covers and avoiding any unexpected costs.

It is common for people to feel frustrated when they have to pay for something they thought was covered by their dental insurance. However, by taking the time to read and understand the terms and conditions of their dental plan, individuals can avoid these surprises and feel more informed about their coverage. This understanding can lead to more confident decision-making and a better overall experience with dental insurance. This empowerment through understanding should make you feel more in control of your dental insurance decisions.

Therefore, carefully read each dental insurance plan’s terms and conditions to prevent such situations. While it may seem tedious, taking the time to do so can save you money and frustration in the long run. Reading is essential if you are shopping for dental insurance on your own and not through an employer, as you may have a broader range of options, each with its own set of terms and conditions.

When reviewing a dental insurance plan, you should pay attention to the following:

  • Covered services: Make sure you understand what services the plan covers, including preventive care, basic services, and major procedures. 
  • Limitations and exclusions: Determine whether there are any limitations or exclusions for specific services, such as orthodontic treatment or cosmetic procedures. 
  • Network providers: Check which dentists and dental clinics are in-network and out-of-network. Confirming that the dental office is an in-network dental provider is essential because some plans do not provide coverage for out-of-network providers or they reduce the coverage provided to out-of-network providers. 
  • Deductibles and copayments: Understand how much you will have to pay out of pocket before the insurance kicks in and how much you will be responsible for each service.

Reviewing these factors lets you decide which dental insurance plan is right for you. Doing so will save you money and give you peace of mind, knowing that you have chosen a plan that meets your dental health needs. 

If you have any questions or concerns about dental insurance plans, you can always seek guidance from your insurance provider or expert. They can help you understand the fine print and decide which plan is right for you.

Understanding Dental Insurance: A Guide to the Benefits and Cost Savings

Dental insurance can be confusing, but it’s essential for maintaining good oral health. If you’re considering dental insurance or wondering if it’s worth the cost, here’s what you need to know.

Cost Savings with Dental Insurance

  • Without insurance, the cost for a typical cleaning can fluctuate, ranging between $75 and $200, while with insurance, the price can fluctuate between free and 80% covered.
  • Bite-wing X-rays can fluctuate between $95 and $110.00 without insurance, while with dental insurance, costs can be free or 80% covered.
  • The cost of a primary care visit without insurance generally ranges from $150-$300 for a basic visit and averages $171 across major cities in the United States. With dental insurance, the cost can fluctuate between free and 80% covered.
  • While prices can be as low as $150 to over $1200, the average dental filling will generally fall between $200 and $600 without dental insurance. With dental insurance, the cost of the filling can fluctuate between $20.00 and 80% covered.
  • The cost of crowns without insurance ranges between $1000 – 2000$. With dental insurance, the average cost of a crown ranges between $500-$1250.

Benefits of Dental Insurance

  • Preventive care is often covered for free or at a significant discount with dental insurance. Preventive dental care includes regular checkups, cleanings, and X-rays, which can help prevent more serious dental problems.
  • Dental insurance can help you manage the costs of more extensive dental care services such as root canals, dental implants, or orthodontic treatment. Dental insurance acts as a safety net, helping you manage these unexpected costs and ensuring you can access the necessary care without a significant financial strain.
  •  Having dental insurance can encourage people to get regular checkups and preventive care. Regular preventive care can help detect and prevent dental problems from becoming more severe. 

Conclusion

Dental insurance is an investment in your oral health and overall well-being. It can help you save money on dental care and encourage regular checkups and preventive care. With dental insurance, you can manage the costs of unexpected dental procedures and ensure your oral health is taken care of. So, when considering dental insurance, it’s worth weighing the costs against the potential benefits.

Disparity in Dental Care Access: Importance of Promoting Affordable Dental Insurance Coverage

According to the American Dental Association, 61.4 percent of adults aged 19-64 have private dental benefits, while 15.7 percent have dental benefits through Medicaid. Shockingly, 22.8 percent of adults in this age group do not have dental benefits. 

It is important to note that people with private dental coverage are more likely to visit a dentist, have a greater number of visits, and spend more on dental care than those who lack coverage. This disparity in dental care access is a major concern, as it can lead to poor dental health outcomes and increased health care costs in the long run. 

Furthermore, a lack of dental insurance can lead to delayed treatment and preventive care, worsening dental health problems that could have been resolved with early intervention. Therefore, promoting dental insurance coverage and ensuring everyone has access to affordable dental care is essential. 

It is crucial to take proactive measures to encourage dental insurance coverage and make dental care accessible to all. Doing so can promote better dental health and help reduce overall healthcare costs in the long run.

In conclusion, dental insurance is essential to maintaining good dental health and can provide significant financial savings in the long run. While dental insurance may not cover all costs, it still acts as a safety net, helping you manage unexpected dental expenses. If you have questions or concerns about your current dental insurance plan or are considering exploring other options, don’t hesitate to contact your employer or insurance provider. 

If you need further assistance, feel free to call us at 310-534-3444. Our customer care team can help you from 8 am to 4 pm, Monday through Friday. OnlineDentalInsurance.com is committed to providing our customers with the highest service and support. We understand the importance of dental health and the financial impact of dental procedures. That’s why we offer a range of affordable dental insurance plans to help you maintain good oral health while keeping your budget in mind. Feel free to contact us for help and guidance in finding the best plan that suits your dental needs and budget.

Posted on May. 1st 2024, by admin, in ADA Codes, Dental HMO, Dental Insurance, Dental Plans, Dental PPO, Dental Quotes, Individual Dental Plans, Supplemental Dental, Comments Off on Understanding Dental Insurance – Online Dental Insurance 

Online Dental Insurance – Individual and Family Dental PPO Plans

Apr. 18th 2024

Question: How do I know the best individual and family dental PPO plan? Are there any key features or advantages I should know about when shopping for these dental PPO plans? I want to compare more than just the plan’s cost. How can I learn more about each plan’s benefits and how to shop for the best dental insurance plan? 

Reply: Greetings! You’ve come to the right place if you’re looking for the best individual and family dental PPO plan. Shopping for dental insurance can be overwhelming, but we’re here to help make it easier.

When choosing the right dental PPO plan, consider key features and advantages. First and foremost, you want to ensure the plan offers comprehensive coverage for the dental services you and your family need, including routine cleanings, fillings, and major dental procedures such as root canals or crowns.

In addition to coverage, you’ll also want to consider the provider network for each plan. Ensure that your preferred dentist is in-network for the plan you’re considering. If you don’t have a preferred dentist, look for a plan with an extensive network to ensure you have plenty of options.

Cost is also essential, but it shouldn’t be the only factor. While it’s tempting to go for the plan with the lowest premium, ensure you’re not sacrificing coverage or provider options. Look for a plan that strikes the right balance between cost and coverage.

We recommend researching online or speaking with a licensed insurance agent to learn about each plan’s benefits and how to shop for the best dental insurance plan. They can help you compare plans side-by-side and answer any questions.

In conclusion, finding the best individual and family dental PPO plan requires careful consideration of coverage, provider network, and cost. By taking the time to research your options and speak with an insurance professional, you can feel confident in your decision and enjoy the peace of mind that comes with having comprehensive dental coverage. We will break down in greater detail how to shop for and find the right dental plan for you. 

The several types of dental insurance plans available 

1) Preferred Provider Organization (PPO) Plans

Preferred Provider Organization (PPO) plans are a type of dental insurance plan that provides access to a network of dentists who have agreed to offer their services at UCR rates to plan members. These plans typically have higher premiums than other dental plans.

One of the main advantages of PPO plans is that they offer flexibility regarding dental care. Members can visit any dentist within the network or see one outside the network, although the costs may be higher. PPO plans usually cover various dental services, including preventive care, basic services, and major services like root canals and crowns.

Another benefit of PPO plans is that they generally have lower deductibles and out-of-pocket costs when seeing a plan provider. Members are more likely to pay less for dental care, even if they require more extensive dental care services. PPO plans also have annual maximums, limiting how much the company will pay per person in a given year. When reviewing a dental PPO insurance plan, here are some key factors to keep in mind:

  • Ensure the plan offers comprehensive coverage for your and your family’s dental services, including routine cleanings, fillings, and major dental procedures such as root canals or crowns.
  • Check the provider network for each plan and ensure that your preferred dentist is in-network for your chosen plan.
  • Compare the cost of each plan, but ensure you’re not sacrificing coverage or provider options.
  • Look for a plan that strikes the right balance between cost and coverage.
  • Research online or speak with a licensed insurance agent about each plan’s benefits.
  • Consider your dental needs and budget when choosing a plan.
  • Understand the different types of dental insurance plans available, such as PPO, HMO, Dental Indemnity, and Discount Dental Plans.
  •  Choose a plan that offers a balance of affordability and flexibility.

In conclusion, PPO plans are an excellent option for those prioritizing flexibility and affordability regarding dental care. With a network of dentists who offer discounted services, lower out-of-pocket costs, and coverage for a wide range of dental services, PPO plans are a smart choice for those looking for comprehensive dental insurance.

2) Health Maintenance Organization (HMO) Plans: 

Health Maintenance Organization (HMO) Plans are an excellent option for individuals who want to save money on their health insurance premiums. With an HMO plan, you are required to select a primary care dentist from a network of providers. Although your provider options may be limited, you can expect to pay a lower premium than other health insurance plans. 

One of the most significant advantages of HMO plans is that they offer comprehensive coverage for various dental services, including preventative care, routine check-ups, and emergency care. By selecting an HMO plan, you can ensure that you have access to the medical services you need when you need them.

Another benefit of HMO plans is that they often offer lower out-of-pocket costs. Because HMO plans have a network of providers, you can expect to pay less for dental services than you would with other dental insurance plans. This can be especially beneficial if you require frequent dental care.

While HMO plans have many advantages, it’s important to note that they have some limitations. For example, you may be limited in your choice of providers and may need a referral from your primary care dentist to see a specialist. However, if you are willing to work within the limitations of an HMO plan, you can enjoy significant cost savings and comprehensive dental coverage.

In conclusion, HMO plans are an excellent option if you are looking for a cost-effective way to get comprehensive dental coverage. By choosing an HMO plan, you can save money on your health insurance premiums while still having access to the medical services you need. So, if you’re ready to explore your health insurance options, consider an HMO plan today!

3) Dental Indemnity Plans

If you’re looking for a dental insurance plan that allows you to choose any dentist, a dental indemnity plan might be the right option. With these plans, you won’t be limited to a specific network of dentists, meaning you can continue seeing your current dentist or choose a new one you feel comfortable with.

However, it’s important to note that dental indemnity plans typically have higher out-of-pocket costs and lower coverage levels than other dental insurance plans. You’ll have to pay more for your dental care upfront, but you’ll be free to choose your dentist without restrictions.

When choosing the right plan, carefully considering your dental needs and budget is essential. A dental indemnity plan could be a great fit if you prioritize flexibility and choice in your dental care. Review the plan details carefully to understand the costs and coverage levels and ensure they align with your needs.

Dental indemnity plans offer freedom and flexibility when choosing a dentist, but they also come with higher out-of-pocket costs and lower coverage levels. Consider your dental needs and budget carefully before making a decision, and be sure to review the plan details thoroughly.

4) Discount Dental Plans 

Are you looking to save money on dental services without sacrificing quality? Look no further than Discount Dental Plans! You can enjoy significant discounts on various dental procedures by paying a membership fee, from routine cleanings to more complex treatments.

Unlike insurance plans, which often have high premiums and deductibles, discount dental plans offer a more affordable alternative. Plus, you don’t have to worry about waiting periods or pre-existing conditions – as long as you’re a member, you’re eligible for discounts. Here are some things to beware of when buying a dental discount plan:

  • Check to see if your preferred dentist is in the plan’s network. If not, you must change to a dentist who is for the discount plan to be valid. There are no outside network savings. 
  •  Look for any hidden fees or charges not mentioned upfront. Some plans may have enrollment fees or require additional payments for certain services.
  •  Read the plan’s terms and conditions carefully to understand what is offered and what is not. Some plans may not provide savings on specific procedures or treatments.
  •  Beware of plans that promise unrealistic savings or discounts. If it sounds too good to be true, it probably is.
  •  Research the company behind the plan to ensure they are reputable and have a good track record.

By being aware of these things when buying a dental discount plan, you can make an informed decision and avoid any surprises or unexpected costs. But don’t think discount dental plans are any less valuable just because they’re not insurance plans. They can be an excellent option for those who don’t need comprehensive coverage but still want to save money on dental care. And with a wide range of plans available, you can choose one that fits your budget and dental needs.

Choosing The Correct Type of Dental Insurance.

Choosing the correct type of dental insurance plan can be daunting, but ensuring you get the coverage you need at a price that fits your budget is essential. Here are some tips to help you determine the correct type of dental insurance plan to get:

1. Consider your dental needs: The first step is to consider your dental needs. Do you need coverage for routine check-ups and cleanings, or do you need coverage for more extensive procedures like root canals and crowns? Understanding your dental needs will help you choose a plan that provides the necessary coverage.

2. Look at the provider network: Before choosing a dental insurance plan, it is essential to review the provider network. Ensure that your preferred dentist is in-network for the plan you are considering. If you don’t have a preferred dentist, look for a plan with a broad network to ensure you have plenty of options.

3. Determine your budget: Dental insurance plans come at different price points, so it is essential to determine your budget. Consider how much you can afford each month and how much you are willing to pay out of pocket for dental services.

4. Understand the different types of plans: There are various types of dental insurance plans available, including PPO plans, HMO plans, Dental Indemnity plans, and Discount Dental Plans. Each type of plan has pros and cons, so it is essential to understand how they work and which would best fit your needs.

5. Compare plans: Once you have determined your dental needs, budget, and the type of plan you want, it is time to compare plans. Look at each plan’s coverage, provider network, premiums, deductibles, and out-of-pocket costs. Comparing plans will help you choose the plan that provides the most comprehensive coverage at a price that fits your budget.

In conclusion, determining the right type of dental insurance plan to get involves:

  • Considering your dental needs.
  • Reviewing the provider network.
  • Determining your budget.
  • Understanding the different types of plans available.
  • Comparing plans.

By researching, you can find a plan that provides the coverage you need at a price you can afford.

Essential Keywords to Understand When Seeking Dental Insurance Coverage

When looking for dental insurance, it’s important to familiarize yourself with these essential keywords.

  •  Policy Premium: The amount you pay for your dental insurance policy. The policy premium can be paid monthly or annually. 
  •  Deductible: The amount you pay out of pocket for dental services before your insurance coverage kicks in. Let’s say your dental insurance policy has a $50 deductible. If you visit the dentist and the bill for your services is $200, you will be responsible for paying the first $50 out of pocket. After you’ve paid your $50 deductible, your insurance coverage will kick in and cover the remaining $150 of the bill (assuming there are no other out-of-pocket costs such as copays or coinsurance).
  • Copay: A fixed amount you pay for a dental service, often for a routine check-up or cleaning. Let’s say you have dental insurance covering up to 50% of major dental services. If you need a tooth extraction that costs $500, the insurance company will cover $250; the remaining $250 will be your copay. So, in this case, your copay would be $250, the fixed amount you pay for the dental service. However, it’s important to note that copays may vary depending on the dental service and the insurance plan.
  •  Annual maximum: The highest amount your dental insurance will pay for dental services annually. Let’s say your dental insurance has a yearly maximum of $1,500. This means that once you receive dental services that add up to $1,500 a year, your insurance will not cover any additional dental services for the rest of that year. Any dental expenses beyond the annual maximum will have to be paid out of pocket.
  •  Waiting period: The time you must wait before your insurance coverage takes effect. If your dental insurance policy has a waiting period of 12 months for major dental services, you will have to wait a year before you can access insurance coverage for those services. During this waiting period, you will not be able to file a claim for any major dental services, and you will be responsible for paying for these services out of pocket. After waiting, you can use your insurance coverage to help pay for major dental procedures such as root canals, crowns, and bridges.
  •  In-network: Refers to dental providers or dentists with a contractual agreement with your insurance company. 
  •  Out-of-network: Refers to dental providers or dentists who do not have a contractual agreement with your insurance company. 
  •  Covered services: Your insurance policy specifies which dental services will be covered by your plan.
  •  Exclusions: Exclusions are dental services not covered by your insurance plan. A typical example of an excluded service under a dental plan is cosmetic dentistry, which is not typically covered by insurance. Exclusions may include teeth whitening, veneers, and cosmetic contouring. If you are interested in these services, you must check with your insurance provider to determine whether they are covered under your plan or if you must pay out of pocket.
  •  Preauthorization: Getting approval from your insurance company before receiving certain dental services. 
  • Orthodontic coverage: Is braces or other orthodontic treatments covered under the dental insurance plan?
  •  Cosmetic coverage:  Does the plan offer coverage for cosmetic dental procedures such as teeth whitening, veneers, or bonding, which can help individuals achieve the perfect smile they desire?
  • Lifetime maximum: The highest amount your dental insurance will pay for dental services over your lifetime. Suppose your dental insurance has a lifetime maximum of $2500.00 for Orthodontic services. In that case, the maximum amount your insurance company will pay for Orthodontic services for your entire life is $2500.00. Once you have reached that limit, you will be responsible for paying out of pocket for additional orthodontic services. It’s essential to keep track of your lifetime maximum so that you can plan accordingly and make informed decisions about your dental care.
  •  Grace period: The time period after your premium is due, during which you can still pay without a penalty and reinstate your policy.
  •  Renewal date: The date when your dental insurance policy is renewed. 
  •  Effective date: The date when your dental insurance coverage starts.

Thank you for taking the time to read through our content on OnlineDentalInsurance.com. We hope you found the information helpful and informative when searching for the best dental insurance coverage. If you need dental insurance and would like a free quote, please don’t hesitate to call our office at 310-534-3444 during our business hours of 8 am – 4 pm, Monday through Friday. We are always happy to assist you in finding the right dental insurance plan for your needs.

Posted on Apr. 18th 2024, by carol, in Dental HMO, Dental Insurance, Dental PPO, Family Dental Care, Individual Dental Plans, Supplemental Dental, Comments Off on Online Dental Insurance – Individual and Family Dental PPO Plans

Family dental insurance PPO quotes.

Apr. 4th 2011

Family dental insurance PPO quotes. Looking for Dental PPO quotes on line so that I can stay with my dentist. I would like one with the highest max limitation and the shortest waiting periods.

I have dental issues I need help with and willing to wait if I have to just do not want to wait forever for my dental care. Can you advise what you have in Texas that would work well for my needs?

Posted on Apr. 4th 2011, by admin, in Dental PPO, Comments Off on Family dental insurance PPO quotes.

Are Individual PPO Dental Insurance Plans worth buying?

Mar. 19th 2011

Are Individual PPO Dental Insurance Plans worth buying? Some people may feel that getting dental insurance is not really worth the cost of having the plan. That may be true for some dental insurance plans if the person wanting it only wants the dental insurance for short term use.

Many people put off their dental care until they are in pain or having major dental issues.  Which can lead to them getting upset when they find out that many PPOs or Indemnity insurance plans have limitations that will not be able to help them with their major dental needs right away.

A dental PPO plan is not for those people that only only wants to buy a dental insurance plan to fix a current dental issue then turn around and cancel the plan once the dental issue if fixed.  Reason being is that dental PPO are designed to be long terms plans and not for sort term.

The thing to try and  keep in mind when thinking about buying a dental PPO or Indemnity plan is your long term dental needs. When buying these type of dental plans it would be a dental plan you would want to  keep for at least a few years.

Dental PPO plans let you choose your own dentist so that can be another deciding  factor for many people that do not wish to change dental provider. So are dental PPOs and Indemnity insurance plans worth having ? The answer is yes. If you know your own 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 how they work. For people with short term dental plan needs they should look more toward dental HMO or dental discount plans since they are lower in cost without as many limitations.

Posted on Mar. 19th 2011, by carol, in Dental PPO, Comments Off on Are Individual PPO Dental Insurance Plans worth buying?

Dental Insurance PPO in Los Angeles California.

Mar. 12th 2011

Dental Insurance PPO in Los Angeles California.  I am sad to admit that I never took good care of my teeth when I was a teen.  I now have some very bad teeth issues that I need help in fixing.

I a not asking for free dental care just something affordable.  I got a free consult for my dental needs but the rate they quoted me I really can not afford right now.

I ws told in order to stay with that dental office I would nee to look for a  dental PPO plan.  They do not take any dental discount plans or HMO dental plans.  I not sure what to do but I would like to try and stay with them.

Posted on Mar. 12th 2011, by admin, in Dental PPO, Comments Off on Dental Insurance PPO in Los Angeles California.

Dental Insurance plans in New York, I need a dental PPO Plan

Mar. 11th 2011

Dental Insurance plans in New York, I need a dental PPO Plan.  I am in need of a  dental PPO plan in order to stay with my own dentist.   I use to have dental insurance though my job that I used but due to a recent job change I no longer have the same dental benefits.

The dental benefits I now have will not work with staying with my dentist. I have no intention of change providers. Do you have any dental PPO plans that can help me keep my own dentist?

Posted on Mar. 11th 2011, by admin, in Dental PPO, Comments Off on Dental Insurance plans in New York, I need a dental PPO Plan

Dental Insurance PPOs, Preferred Provider Organizations

Sep. 4th 2010

Understanding what a dental PPO is.

A preferred provider organizations ( PPO) falls somewhere between an indemnity plan and a dental HMO. This plan allows a particular group of patients to receive dental care from a defined panel of individual dental insurance dentists. This type could be used to provide dental gap insurance.

The participating individual or family office agrees to charge less than usual fees to this specific patient base, providing savings for the plan purchaser. If the patient chooses to see one who is not designated as a “preferred provider,” that patient may be required to pay a greater share of the fee-for-service.

A group of individual or family dentistry providers agrees to provide services at a deeply discounted rate, giving you substantial savings — as long as you stay in their network. Unlike the more restrictive DHMO, though, you can go out of network and still receive some benefits. Some typical features of these plans:

Monthly premium

Annual dollar cap

You must stay within the approved network of individual or family dentists or pay higher deductibles and co-payments

Your average monthly cost:   $30 – $40

Dental companies selling these plans are regulated by state insurance departments.

To review the all the availavble dental plan just enter your zip code in the box at the top of the screen.

Posted on Sep. 4th 2010, by carol, in Dental PPO, Comments Off on Dental Insurance PPOs, Preferred Provider Organizations

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