A Claim is a notice to an insurer of a loss, which the terms of a policy may cover. Regarding dental insurance: With most PPO dental insurance plans, you will need to file claims for dental services that are covered under the plan.

Having a Sugar Free Diet Equals Healthier Children and Healthy Teeth. 

It can be challenging to give your kids a sugar-free diet when sugar is an ingredient that is used to enrich a high percentage of baby foods, snacks, and prepackaged foods. Processed food in today’s society represents much of what people eat. However, do your best to avoid this type of food if you want your child to stay healthy. If sugar is consumed in excess, it can bring about plenty of health complications. Try to eat more sucrose-free food products, and replace the high sucrose foods with healthy foods containing vitamins, minerals, and fibers. These foods will help your child develop healthily and grow strong teeth.

Who Can Cancellation A Dental Insurance Policy?

Cancellation is the termination of insurance coverage during the policy period. Under most dental insurance plans, the insured can cancel the policy with a 30-day written request. The insurance company can cancel the policy due to non-payment.

Flat cancellation is the cancellation of a policy as of its effective date without any premium charge.

What is a Dental Insurance Agent

An agent is a licensed person or organization authorized to sell insurance by or on behalf of an insurance company. Dental insurance agents sell and negotiate insurance to match the needs of their clients. As an insurance agent, you may work for an insurance company, refer clients to independent brokers, or work as an independent broker.

Before replacing your dentures, try to have them repaired. Dentures can be costly. If you do not have current insurance, you may not be able to get new dentures covered for over a year or more. When you need to replace dentures, think about having your current dentures repaired by a technician instead. Dentures can chip and break if you drop them by mistake since they are fragile. However, you can still get new ones. You should know that there are many professional denture repair labs out there that can fix the problem for you. Repairing your dentures is much cheaper than replacing them with new ones.

Periodontal Disease (Gum Disease) is a severe infection that, left untreated, may lead to tooth loss. Periodontal disease is a chronic bacterial infection that affects the gums and bones supporting the teeth. Periodontal disease can affect one tooth or many teeth. It begins when the bacteria in plaque cause the gums to become inflamed. If left untreated by a dentist, plaque can spread and grow below the gum line. Toxins produced by the bacteria in plaque irritate the gums. The toxins stimulate a chronic inflammatory response, and the tissues and bones that support the teeth are broken down and destroyed.

Gingival Recession:  Gingival recession is when the gums pull away from the teeth, often exposing the root. The most common cause of gingival recession is gum disease caused by poor dental hygiene. 

Annual Maximum: The total amount a plan will pay for dental care for an individual or family member for a specified benefit period, typically a calendar year.

Question: I have good teeth with no current dental issues going on. I do not have any dental insurance but would like to get a low cost but quality dental insurance plan. Not picky about any one dental office as long as I can find one that provides good service.

Answer: I would suggest that you review our HMO insurance plan options. HMO insurance plans are the lower cost insurance option. For our HMO plans though California Dental and Delta Dental we provide a detail schedule of their covered services so you can compare plans and benefits. We also provide the link to their providers so you can choose a provider in the plan. I suggest calling the provider to confirm they are still accepting the plan and to ask any questions you may have in order to choose the best dental office with in the plan network for you.

Our website offers dental insurance though several companies. One Plan option we provide is an HMO though California Dental. California Dental offers three plans tailored for individuals and families. Although all three dental plans though California Dental are lower cost plan options the more you pay toward the cost of the plan the less you pay for the more costly dental care services. Compare these California Dental HMO insurance with with our other 30 plus plan options to see which one is best for your dental care needs.

Our website lets you compare dental insurance plans from leading California dental insurance carriers, as well as compare insurance against a low cost dental discount option. With most of all our plans and dental insurance options you can apply for dental coverage/saving online.

Question: Looking for dental and vision plans in CA. I would like it to be one plan that offers both but two different plans may be okay if it is cheaper in cost that way.

Answer: It would depend on what type of dental insurance plan you are wanting in regards to whether or not it is less expensive to buy a vision and dental plan in one or two different plans for each. We do provide a few dental PPO insurance plans that come with vision benefits though PPO dental plans are normally the more costly plan type. In addition we also have dental discount plans that provide discounted savings for vision. These are much lower cost plans but they are not insurance. Another option is reviewing our HMO options though Delta Dental and California Dental although they do not provide vision benefits these are the lower cost dental insurance options.

Then go to our vision website at bestvisionplans.com to review or vision insurance option though VSP Vision. If you have any question about our dental and vision plans please call our member services at 310-534-3444 as they be happy to help.

According to a new study, after dental benefits were removed from California’s public health insurance for the poor, emergency room visits for dental problems went up. The researchers estimate, After removing comprehensive dental benefits from the state’s Medicaid program in 2009, it led to nearly 1,800 additional ER visits per year for dental problems.

In a prior post we talked about the lack of seniors that have dental insurance. One way some seniors are addressing their dental dental needs without insurance is by crossing the border to Mexico. Mexico has lower dental care costs because of cheaper labor and fewer regulatory requirements.

Residents in border towns like El Paso, Texas and Nogales, Sonora, often make the short drive to the Mexican side for basic medical needs and prescription medications that are much costlier in the U.S. However, before you visit a dentist in a foreign country, you should do a lot of research before going. Different countries use different types of equipment, and some items, such as implants, may not have warranties, and malpractice lawsuits may not be an option.

According to a study compiled by Oral Health America, Nearly 70 percent of seniors are do not have dental insurance. A major reason is that dental care is not covered by Medicare and many employers no longer offer post-retirement health benefits.

In addition, the Affordable Care Act allows enrollees to get dental coverage only if they purchase general health coverage first, which many seniors do not need. At the same time, seniors often require the most costly dental work, like crowns, implants and false teeth.

Our website however provides low cost dental insurance and dental plans that anyone including seniors to buy directly. With dental insurance seniors will be able to keep their dental care cost more affordable.

Under a new law that took effect in January, dental hygienists in Southern California can get certified to apply the fillings, called interim therapeutic restorations. The temporary fillings require no drilling or anesthetic and can be completed quickly and at a fraction of the cost of a traditional filling. By sealing off the cavity and slowly releasing fluoride, they can stop the progression of decay for several years, buying time until the tooth can be filled permanently.

In a few prior post we provided some tips that you should keep in mind regardless if you are visiting your dentist for the first time or it is a return visit. You should be confident in the quality of care that you receive from your dentist. Starting with your first impressions. Are you greeted with a welcoming reception area and a clean and neat office environment these are often signs of a well-run practice.

What you should expect from your Dentist Tip 5

After having your dental check up, is a treatment plan presented to you? Have questions about proposed treatment been adequately explained to you, including the risks, alternatives, cost and benefits? Are financial arrangements outlined prior to treatment? Does the office explain how they handle insurance and billing?

Knowing and understanding your dental treatment plan is important so that you can feel what is being done is what is best for you and your dental care needs. Just as important is knowing what your cost are for the dental services and how the dental office handles claims prior to dental services being render so that there is no cost surprises to you that you do not want and or can not afford.

What you should expect from your Dentist Tip 4

When you go to the dentist for your dental check up and cleaning ask yourself.  Is ample time given to a thorough teeth cleaning? Are your gums checked for overall health and are pocket depth readings taken to assess for periodontal disease? When you have your teeth cleaned, are you given hygiene instructions or is there discussion of the areas of your mouth where more attention is required? It is important that this is being done so that you can have a good understanding of your dental habits and care.

What you should expect from your Dentist Tip 3

When you go to your dentist is he/she and staff members wearing masks, gloves and appropriate eye-wear? This should be required and expected when any dental work is performed. Are gloves disposed of between patients?