FIND THE BEST ONLINE DENTAL INSURANCE
Low Cost Dental Insurance - Affordable Dental Plans

A co-payment is the member’s share of payment for a given service. The co-payment is usually expressed as a percentage of a dentist’s contracted fee, but can be expressed as a member’s preset share of payment for a given service.

California Dental Insurance Online. According to the National Association of Dental Plans, approximately half of the U.S. population does not have an affordable dental plan. The cost for affordable dental insurance can vary. Therefore, it is important to understand all your options in obtaining the most affordable dental plan coverage.

The company where you work may provide the most affordable dental insurance plan options. Dental insurance plans for individual and families are usually an HMO (Health Maintenance Organization) or a PPO (Preferred Provided Organization) and operate much like traditional health insurance organizations.

Affordable dental insurance plans from an HMO have a limited pool of dentist to select, but it is a more affordable insurance plan. If you are self employed and looking for a more affordable dental plan, a discount dental plan may be an alternative.

Coinsurance is the percentage of the costs of services paid by the patient. such as, a benefit that is paid at 80% by the plan creates a 20% coinsurance obligation for a member.

Qustion: Instant dental insurance needed for a toothache. I need a dental insurance plan that will start the right away without any waiting periods for any dental services. I am not sure what I will need to have done but I have a killer toothache for the past two days and can not continue this way for much longer.

Reply: You will want to review either Dental HMO insurance plans as they typically do not have waiting periods. However, the do have enrollment cut off periods. Generally something like having to buy the plan on or before the 20th for the plan to be effective the fist of the next month. The enrollment cut off can vary so make sure to read this with each plan so you know when you can start to use the insurance.

You may also want to review any dental discount plans. These types of plans are not insurance but a savings/discount plans that help to reduce your cost for dental care. They generally start the next business day from day you buy it so this may be the fast way to get something and start saving money on your needed dental care services.

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.

Reply: We have PPO’s plans in most states. Depending on where you live our PPO plans maximum limitation range from $1000 – $3000. You can review all our plan options and their cost by entering your zip code in the quote box provided. Or you can call our office at 310-534-3444 M-F 8-4

The benefit year is based on a twelve month period a member’s dental insurance plan covers, which is not always a calendar year (Jan/Dec).

Question: I live in CA and I have been looking for a good low cost dental plan that I can use for my dental services. I do not need any major dental work but I may need a filling or two.

I noticed that the lower cost plans tend to be either a dental HMO insurance plan or a Dental Discount plan, and that on either plan you have to stay within the plan network of provider and it seems that services are listed on a schedule. So what are the difference between the two types of dental plans that I am not seeing? Which is better to get?

Reply: The best dental plan is the one that will fit your own dental need the best. Both dental HMO insurance plans and and discount plans you have to either choose a dentist in the plan network or go to a dentist that in the plan network of providers. So that is important to keep in mind.

Then it is coverages vs discounts on the dental services you feel you will be needing or wanting to have. HMO dental insurance many plan offer free preventive dental care where dental discount plans you get a discounted saving off all dental services render.

Depending on the dental services you want can depend on which plan will fit that need the best. Such as if you want whitening treatment or cosmetic dental services a dental discount plan will give you discount saving where many dental HMO insurance plans do no offer coverages for those type of services

On the other hand if you are wanting a better cost for all your basic dental call dental HMO plan are normally offer better cost for their dental services.

Therefore that is why there is not one plan better then the next only one plan that may be better for your own dental needs.

What is Assignment of Benefits?

Assignment of Benefits is when a member authorizes the dental insurance plan to forward payment for a covered dental procedure directly to a member’s dentist/dental office

Affordable dental insurance for an individual. I would like to find a dental insurance plan where I can stay with my current dentist. The dentist I been seeing for the past seven years is not in any providers data bases. I was told I would need to get a free choice of dentist plan. I am not sure where to look for a dental plan that does not have a network.

Reply: The type of dental insurance plan you would need in order to stay with your current dentist that is not a provider of any plans would be either PPO’s as they typically would aloud for you to go outside their provider data base (sometimes at a reduce coverage). Therefore make sure you read the terms and conditions for outside network providers.

You can also review any indemity dental insurance plans. They work much like a PPO only there is no network of providers you can choose any dentist you want to go to. They can be a little higher in the cost of the plan but would give you the freedom to stay with your dentist without worry of reduce coverages.

What is a Annual Maximum Limitation with regards to dental insurance?

The annual maximum limitation is the total dollar amount that the insurance plan will pay for dental care on an individual member for a specified benefit period, typically a calendar year. If you have a family plan the max limitation is applied separately per person therefore each person would have the same max limitation. You will typically see this type of limitation in your PPO’s or Indemnity insurance plans.

Looking for a Family Dental Insurance Plans that offer good coverage’s with no waiting periods.

Reply: Depending on the State you live in we offer a few HMO dental insurance plans that do not have any waiting periods and in most states we also have a PPO plan though Delta dental that dose not have any waiting periods. To review our plan options enter your zip code or call our office if you prefer at 310-534-3444 M-F 8-4

Question: I have a two year old and just wondering about what age should he be able to brush his own teeth?

Answer: It can take many years before a child develops the fine motor coordination need to do a good job at brushing their teeth. Some dentist advises that parent brushes or help a child to brush their teeth until the child can neatly write his or her own name. You will need to use your own judgment but consider between ages 6 and 8 as the time for your child to take on the job of keeping their teeth clean and healthy.

By the time your baby is six months of age, your dentist should assess the likelihood of your baby having future dental problems. This may include a dental exam of the mother and her dental history, as the condition of her teeth can often predict her child’s teeth.  Be sure your child sees a dentist after the first primary teeth appear.

After your first visit, schedule regular visits every six months or as your dentist recommends. Experts recommend that your baby see a dentist no latter then 12 months of age. Babies with dental problems caused by injury, disease, or a developmental problem should be seen by a children’s (pediatric) dentist right away. If these dental problems are not limited to the surfaces of the teeth, your baby should also be seen by a children’s doctor (pediatrician) or your family doctor

Dental Veneers or Porcelain Laminates are wafer-thin shells that are custom made to cover the from surface of your teeth. dental veneers or porcelain laminates help to change the color, shape, size or length of your tooth. Dental veneers offer a conservative approach to changing a tooth’s color or shape compared to crowns, but the process is not reversible and can be costly.

Dental bonding is a dental procedure in which a tooth-colored resin is applied to the tooth  and then hardened with a special light,  in order to improve a person’s smile. This is among the easiest and least expensive of cosmetic dental procedures. Dental bonding can repair chipped or cracked teeth, close gaps, change the shape of teeth, or be used as a cosmetic alternative to silver amalgam fillings.

Cosmetic dental care can be costly and is normally not covered under many dental insurance plans. When making the step to have cosmetic dental services choosing the right dentist is very important. You want to make sure the dentist you choose is skilled in cosmetic dentistry.

The American Academy of Cosmetic Dentistry advises that you ask the dentist for the following. Any before and after photos of other patients dental treatments done by the dentist. This is normally provided on the practice website. Ask for references and make sure the dentist can provide proof of continuing education. Another helpful tip is to use review sites such a Yelp, Angie’s List. Google, Yahoo and Facebook are also ways to find out more about the cosmetic dentist in question.

Dental bonding is tooth-colored material which can be used to fill in gaps or change the color of teeth. Dental bonding normally requires only a single office visit. Although dental bonding can lasts several years, it is more susceptible to staining or chipping than other forms of restoration. Bonding can also is be used as a tooth-colored filling for small cavities. Additionally, it can be used to close spaces between teeth or cover the entire outside surface of a tooth to change its color and shape.

Under many dental insurance plans bleaching or teething whitening may not be covered, since many dental insurance plans will not provide benefits for cosmetic services.

Bleaching or teeth whitening can be normally be performed by your dentist in the their office or under dental supervision, at home. Generally your dentist will create a custom mouthpiece to ensure the correct amount of whitening solution is used and that your teeth are properly exposed. Typically, whitening at home takes two to four weeks, depending on the desired shade you wish to achieve. Whitening in the office may call for one or more 45-minute to one-hour visits to your dentist’s office.

As a senior you need to see the dentist some times more then just twice a year for your oral health check ups?  Cavities can be more frequent in seniors for many reason.  Although fluoride is in community water supplies today that was not always the case for some of the older seniors.  Adults are also more likely to have tooth decay around older fillings if not regularly checked by a dentist.

Cavities in the tooth root are more common in seniors due to receding gums lines.  Receding gums exposes more of the tooth root surface to decay.  Seniors also can have dry mouth due to either age or different medications they may have to take.  Dry mouth can lead to a higher risk of tooth decay because without an adequate amount of saliva the acids produced by plaque can not be neutralized

Seniors often put off their dental care needs due to many factors.  Such as not having transportation, No dental insurance, other health issues that keeps them from seeing a dentist and cost for dental services.  However these issues can be address.  There may be some ride care services available for seniors.  By buying dental insurance you can control your cost for dental services to be render.  If there are other health issues keeping you way from a dentist that can be difficult to address.  But many time it is these same health issues that make it even more important to see a dentist regularly.

Flossing after each meal provides the needed preventive dental care in order to maintain healthy teeth and gums. However, flossing correctly is important to receive the maximum benefits.Measure the floss at about an arms length, or approximately 18 inches. Wind each end of the floss around your middle fingers. Grasp 1 to 2 inches of the floss with your index finger and thumb. Then gently glide the floss in between the teeth in a sawing motion.

Angle the floss so it hugs the tooth in a c shape. Gently slide the floss up and down the surface of the tooth making sure it goes slightly below the gum-line. When complete, angle the floss to hug the tooth in the opposite direction, and repeat. As you move on to each set of teeth, you will want to unwind the floss from your fingers, and rewind it so there is a clean section of floss to use. If you are not sure if you are flossing correctly ask your dentist to show you.