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

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

Quesiton: I have two girls one is 13 and the other is 10, My 13 year old will need to have braces and from what the dentist feels right now my 10 year old may also need to have braces. I really do not care about using the plan for any thing other the the braces. Just looking for something affordable

Reply: You may want to review our HMO dental insurance options for braces as they are the more affordable option. However, you will need to go to a plan provider and there is no outside network benefits under an HMO plan.

We do have PPO’s plans that provide braces for children up to age 19 but they are more costly plans then our HMO’s plans and will have waiting periods before orthodontic services are covered

The Certificate of Coverage a booklet received from the insurance company that explains a member’s benefits coverage in detail. This is something you should read fully to know what is and what is a covered benefit as well as any limitations there may be within the plan

Question: I am looking for a good dental plan that does not have any waiting periods. I use to have Aetna though a past job and I see that you have a dental plan call DentaChoice+ offer though Aetna. I live in California and I did like the Aetna plan that I had in the past. Does this plan really start within the next business day of your online order? I like that it is low cost but I do need something without waiting periods can you advise.

Reply: The Aetna plan we offer called DentaChoice+ is their dental discount plan. So it may not be what you had prior if you had a insurance plan though Aetna. However since it is a dental discount plan it does start within the next business day of buying it and does not have any waiting periods as all services received the discount prices at plan providers.

Dental Care, Knowing the signs and symptoms of Gingivitis. Knowing the signs of gingivitis is important for preventive dental care. Some of the classic signs and symptoms of gingivitis would include swollen and red gums, gums that are tender or sore, gums that bleed when brushing your teeth.

Other larger signs of gum disease would be: Receding gums or gums pulled away from your teeth. Gum disease can cause pockets to form between your teeth and gums. When this happens plaque and ford debris can collect in these pockets.

If you have any of these signs or the starting of this signs go to your dentist. A dentist can confirm and treat any gums and teeth issues. Preventive gum disease is easy done by brushing your teeth twice a day, flossing daily and regular visits to your dentist for check ups and cleanings.

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

Generally cost assistance only applies to major medical coverage and not dental plans. However if you get a marketplace plan that includes dental insurance, it will only have one premium which Premium Tax credits can be applied to. You cannot apply Tax Credits to a stand-alone dental plan.

What is a Dental Implant

A dental implant is a device specially designed to be placed surgically within or on the mandibular or maxillary bone as a means of providing for dental replacement; endosteal (endosseous); eposteal subperiosteal); transosteal (transosseous).

Here is a quick summary of what you need to know about dental, your rights, and how cost sharing works on dental plans:

• A child must be offered dental, but you don’t have to take it.
• If you have dental coverage through the Marketplace it will typically have a maximum of $700 for a child or $1,400 for a family.
• Adults don’t have to be offered dental. However, many Marketplace plans offer dental as part of the plan, or as a standalone. You can’t cancel dental that is part of your plan, so keep this in mind.
• If dental is part of your plan, you can still use cost assistance to lower your plan costs.
• Even with cost assistance, when you reach the maximum,you typically pay 100% of the costs for dental work. This is the opposite of health insurance under the ACA where you pay 0% after your maximum. So don’t be confused by that.
• Oral surgery may be covered by medical insurance in some specific cases, but generally it doesn’t cover non-medically necessary procedures.
• Dental works best for routine care, it is uncommon to find any insurance that covers major dental work past a certain dollar amount. (“The Dental Gap”?)

What is a Dental Prophylaxis? Dental Prophylaxis is the scaling and polishing procedure performed to remove coronal plaque, calculus, and stains.

Did you know that dental insurance, for the most part, is not covered under the Affordable Care Act? However, children’s dental coverage is a required benefit included on all Affordable Care Act compliant plans and cost assistance can be applied to any Marketplace plan that includes dental. Although Dental is not a required benefit of the Affordable Care Act, it is certainly an important aspect of health and wellness.

Dental Insurance Can Provide You With The Dental Care You and Your Family Needs.

Many people are starting to find the cost of dental care un-fordable, therefore people that feel this way will tend to put off their dental care needs. Yet by deferring your dental care you run a greater risk of having to have larger more costly dental care services in the future. Dental insurance helps to reduce your dental care cost making dental care more affordable. Studies show that people with dental insurance are more likely to make and keep their twice a year check ups and maintain their preventive care. Good preventive dental care will also reduce your risk of having larger dental care needs.

If you are on a tight budget and can not afford the cost of dental PPO or Indemnity dental insurance you may want to take the time to review our more affordable dental insurance and plan options. Our HMO insurance plans run for an individual around $8.00 – $19.00 a month sightly more if you are buying a couple and or family plan.

A dental HMO insurance plan normally dose not have waiting periods, maximum limitations and deductibles. Services are generally based on a fee schedule that lays out your cost for all dental services covered under the plan making it easy to budget your dental care services.

We also provide dental discount plan for a low cost dental option that helps cut the cost of all your dental care needs. Like an HMO insurance plan a dental discount plans and many of their discounted cost for services laid out on a schedule. However for dental care services not listed, you will normally get around a 20% saving off the dental UCR cost. With both these plan types you have to choose a dentist in the plan network or go to dentist that are plan providers. There is not outside network benefits and or savings.