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California Health, How Dental Insurance Helps You Maintain Your Health.

Nov. 19th 2014

It goes without saying having health insurance is very important. However, many health insurance plans do not include dental care or have very limited benefits for dental care.  Yet your oral health plays a large role in your overall wellness.

With that said having an individual dental insurance plan is equally important in maintaining not only your dental health but your overall health and well being.  Take the time to review the dental insurance plans our website has to offer and please call our member service line at 310-534-3444 if you should have any questions.   We be happy to help.

Posted by California Dental | in California Dental Insurance | Comments Off on California Health, How Dental Insurance Helps You Maintain Your Health.

California Dental Health Insurance Plans

Nov. 17th 2014

Many Californians strive to stay fit and be healthy. However often times dental care is still left on the back burner. Did you know that more and more studies prove that the health of you mouth can have a direct effect on your over all wellness.

That’s why it is important to have dental insurance. With dental insurance it will help you keep your dental care cost low and much more affordable.  By having affordable dental care you are more likely to visit your dentist regularly and maintain your dental care needs.

Posted by California Dental | in California Dental Insurance | Comments Off on California Dental Health Insurance Plans

California Aetna Dental Access Network DentaChoice Plus Discount Plan

Apr. 28th 2011

Reviewing the Aetna Dental Access Network DentaChoice Plus Discount Plan. This dental plan offers individual and family dental services including vision and prescription (Rx) to all residents in the household, including children, parents, relatives, significant others, and all permanent residents. There are no deductibles and no yearly limits on services, and there are no claim forms to fill out. Your savings are in place when you visit a network dentist. You just show up for your dental appointment and make your payment – what could be easier?

The dentists must meet the Plan’s standard of quality and service. All have agreed to provide dental care at a low cost available only to its members. There is no waiting period for your dental services to begin, pre-existing dental conditions are covered and best of all, the dental plan services starts the next business day, so you can see the plan dentist immediately. Review the sample schedule below and see how easy it is for you or your entire family to enjoy these quality dental services.

This schedule is only to be used as a guide to determine approximate prices for dental services in the geographic area noted. The fee schedule amount reflects average fee information currently available on the Aetna Dental Access system. Individual dentist fee schedules may differ. We make no guarantee as to the accuracy of any particular fee amount. In order to determine the specific rates for a dental provider, you should contact the dental provider directly.

Dentists participating in the program network have agreed to make certain dental services and supplies available to you on a discounted service basis. The term discounted service means a dental service that is available to you at a reduced cost from fees normally charged by the dental provider and for which you are solely financially responsible. All payments to dental providers are due and payable at the time of service, unless another payment arrangement is mutually agreed upon between you and the treating dental provider. You shall be subject to the treating dental provider’s late payment and other office policies.

THIS PROGRAM IS NOT AN INSURANCE PLAN and we do not make payments directly to healthcare services providers. It is a discount program and you are obligated to pay for all healthcare services at time of service. You will receive discounts for healthcare services from those providers who have contracted with the plan. This plan is administered by National Benefit Builders, In. (NBBI), 248 Columbia Turnpike, Florham, NJ 07932. The program and its administrators, AccessOne Consumer Health, Inc. have no liability for providing or guaranteeing service or the quality of service rendered. For questions or complaints contact them at 8 Villa Road, Greenville, SC 29615 or at the website www.accessonedmpo.com. Note to Utah residents: This program is not protected by the Utah Life and Health Guarantee Association.

Posted by California Dental | in California Dental Insurance | Comments Off on California Aetna Dental Access Network DentaChoice Plus Discount Plan

California New Dental Choice Discount Plan for the Los Angeles, Orange, and Ventura counties

Apr. 27th 2011

Reviewing the California New Dental Choice Discount Plan for the Los Angeles, Orange, and Ventura counties. This dental plan offers individual and family dental services. A family includes individual, spouse, and legal dependents (including children up to age 26). Unlike tradition dental insurance plans there are no deductibles and no yearly limits on services, and there are no claim forms to fill out. Your savings are in place when you visit network dentist. You just show up for your dental appointment and make your payment – what could be easier?

The dentists must meet the Plan’s standard of quality and service. All have agreed to provide dental care at a low cost available only to its members. There is no waiting period for your dental services to begin, pre-existing dental conditions are covered and best of all, the dental plan services start once your application and payment is received and processed by the dental plan company. Review the sample schedule below and see how easy it is for you or your entire family to enjoy these quality dental services.

Individual and Family Combined Membership: Agreement and Description of Services and Disclosure Form

The following terms and conditions of this Individual and Family Membership Agreement and Description of Services and Disclosure Form (the Agreement”) govern New Dental Choice, offered by First Dental Health, (“FDH”) and the Services available thereunder. Subscribers and their eligible dependents are subject to all of the provisions, definitions, limitations and conditions of this Agreement. The Plan’s address from which it conducts its business is 7220 Trade Street, Suite 350, San Diego, California 92121. All persons subscribing to The Plan should read the terms of this Agreement carefully and communicate any questions that may arise to a Plan representative available by telephone Monday-Friday 8 am to 5 pm PST at 1-888-NDC-ENROLL (1-888-632-3676). By accepting enrollment in The Plan, Subscriber is agreeing to the terms of this Agreement.

Please read the following information so you will know from whom or what group of dentists your dental care discounts may be obtained.

THIS IS NOT AN INSURANCE POLICY.

1. DEFINITIONS:

ACT means the Knox-Keene Health Care Service Plan Act of 1975, as amended. Plan is subject to the Act.
DENTAL CARE SERVICES means those dental care services eligible for discounted fees under this Agreement.
DEPARTMENT means the California Department of Managed Health Care.
DESCRIPTION OF SERVICES means this Combined Membership Agreement and Description of Services and Disclosure Form issued to a Subscriber or Enrollee setting forth the Services to which the Subscriber or Enrollee is entitled and the conditions and procedures for obtaining discounted Dental Care Services.
DISCOUNT DENTAL FEE PLAN means an entity that, in exchange for fees, dues, charges or other considerations, provides access to its members to providers of dental care services and the right to receive discounts on dental care services from those providers. Such a Plan contracts with providers, provider networks or other Discount Fee Plan organizations to offer discounted fees for dental care services and other healthcare services and determines the membership charge to Discount Dental Fee Plan members.
ELIGIBLE DEPENDENTS means the lawful spouse of the Subscriber (unless legally separated), a dependent parent (provided proof of dependency is furnished to the Plan by the Subscriber at the time of enrollment), or the unmarried children (including step-children, adopted and foster children who are dependent on the Subscriber for support and maintenance) of the Subscriber, from and after birth, until their 19th birthday (or 24th if a full-time student). At attainment of age nineteen (19), coverage as a dependent shall be extended if the child is and continues to be both (1) incapable of selfsustaining employment by reason of diminished mental capacity or physical handicap and (2) chiefly dependent upon the Subscriber for support and maintenance provided proof of such incapacity and dependency is furnished to the Plan by the Subscriber within thirty-one (31) days of the Plan’s request for such proof.
ENROLLEE means a person who is enrolled in Plan.
MEMBER means any eligible Subscriber and his or her eligible dependent(s) for whom the appropriate Membership Fee has been paid.
MEMBERSHIP FEE means those amounts payable monthly or annually as set forth herein as consideration for membership in Plan and access to the discounts provided.
NON-PARTICIPATING PROVIDER means general dentists or specialist dentists who are not contracted with the Plan.
PARTICIPATING PROVIDER means general dentists or specialist dentists who are contracted with the Plan to provide discounts for Dental Care Services to eligible Members.
PLAN means New Dental Choice, a program of First Dental Health, Inc.
PLAN CONTRACT means a contract, such as this Agreement, between the Plan and its Subscribers or a person or entity contracting on behalf of Members pursuant to which access to discounted dental fees from Participating Providers is provided.
SERVICE AREA means a geographical area designated by Plan within which it provides access to discounted dental fees. The Service Areas are described in Attachment “B” to this Agreement. Services are not available outside the Service Areas.
SERVICES mean the discounted fees for Dental Care Services from Participating Providers available to Members as determined by the Plan.
SERVICES IN PROGRESS means Dental Care Services provided by a Participating Provider requiring more than one (1) day to complete, or of such a nature that a Member would not reasonably contract to have the first of the services without assurance that each of the later services would be performed in sequence according to the agreed-upon schedule or on dates reasonably close to the scheduled dates, and the first of which Dental Care Services have been performed on or before the date on which Plan Membership terminates. “Services in Progress” do not include dental care services, whether directly or indirectly related thereto, begun before the effective date of Member’s Plan membership.
SUBSCRIBER means the individual who has paid a Membership Fee.

2. DESCRIPTION OF THE PLAN:

The Plan is a Discount Dental Fee Plan. Each Plan Member is entitled to receive discounts on specified Dental Care Services from a Participating Provider. Members are entitled to receive predetermined discounts for certain listed Dental Care Services from Participating Providers and to receive a 15% discount off the Participating Provider’s normal retail prices for all other unlisted Dental Care Services. The vast majority of dental fees are contracted for at levels significantly reduced from the dentist’s usual fees. Fees for unlisted Dental Care Services are contracted for at a 15% discount off of the Participating Providers usual and customary fee for such Services. Fees for discounted Dental Care Services vary by region. The Plan reviews the terms and conditions regarding Services, Dental Care Services eligible for discounts, and the discounted fees on an annual basis and each is subject to change, modification, or substitution by Plan each year on January 1. Plan will deliver to the Member a notice in writing at least 30 days prior to implementing any such changes. The Plan will also deliver to the Member a notice in writing indicating any changes in premium rates, discounted fees or services at least 30 days prior to the contract renewal effective date. If a Member wishes to confirm the discounted fee for a particular Dental Care Service, or would like to know the business hours for a Participating Provider, he/she should telephone a Plan representative at the toll-free number 1-888-NDC-ENROLL (1-888-632-3676), located on the Membership card, or go to the Plan’s website at www.NewDentalChoice.com. Plan may at some future time offer discount fee programs for other, non-dental care services, such as vision and prescription drugs. If Plan decides to offer such other discount fee programs, it will do so by means of a supplementary rider to this Agreement. Individual will be notified of the opportunity and procedures to subscribe to such other discount fee plans.

3. DISCOUNTED FEES:

The Dental Care Services listed in Attachment “A” comprise a partial list of over 330 procedures discounted to fixed fees which represent the vast majority of the dental care services typically required by patients. All fees for procedures listed herein are the maximum fees for which a Member shall be responsible. In the event a Participating Provider’s usual and customary fees are lower than the Plan’s discounted fees, the Member shall only be liable for the lower of the two fees.

4. OTHER CHARGES:

The vast majority of dental care fees are contracted for at levels significantly reduced from the dentist’s usual fees. Fees for unlisted Dental Care Services are contracted for at a 15% discount off of the Participating Provider’s usual and customary fee for such Services.

5. PRINCIPAL EXCLUSIONS AND LIMITATIONS:

Dental Care Services must be received from a Participating Provider. Dental Care Services or expenses incurred or in connection with any dental procedures started prior to the Member’s effective date under this Agreement or after termination of the Member’s Membership are excluded. (Examples: teeth prepared for crowns, root canal treatment in progress, orthodontic treatment in progress.)

6. MEMBERSHIP FEES:

Membership Fees applicable to this Agreement, including monthly and annual Membership Fees for Individuals and for Families, are contained in Attachment “C” to this Agreement, which Attachment is incorporated herein by this reference.

7. EFFECTIVE DATE OF COVERAGE:

All persons who have submitted the required enrollment information to the Plan and have either paid or had paid on their behalf the appropriate Membership Fee shall be considered Members and eligible for discounts upon receipt of their Member I.D. card. Renewal dates for Members enrolling and paying annually will begin on the anniversary date of initial membership.

8. IDENTIFICATION OF MEMBER:

The Plan issues each Subscriber two (2) I.D. cards. One must be presented at the time Dental Care Services are obtained at a Participating Provider. The Member must pay the Provider at the time that Dental Care Services are received unless otherwise agreed upon between Provider and Member. The Member is not required to file any claims.

9. CHOICE OF DENTISTS AND PROVIDERS; IMPACT UPON MEMBER’S LIABILITY FOR PAYMENT:

a) Each Member must use a Participating Provider in order to receive services. The Plan does not assign Members to Participating Providers and Member is free to select and receive Dental Care Services from any Participating Provider. Participating Providers for Member’s geographic area may be located using Plan’s website or by telephoning the Plan at 1-888-NDC-ENROLL (1-888-632-3676). The Plan maintains an extensive network of general dentists and specialists. In most geographic areas there are specialist dentists in reasonable proximity to where Members reside. In some more rural areas, however, some specialties may not be available. Should the need arise, Members should call the Plan or consult the Plan’s website to determine where a particular specialty may be found in the Member’s area.

b) The Plan does not require notification from the Member if Member wants to change from one Participating Provider to a different Participating Provider. These rules of selection and freedom to change Participating Providers apply both to general dentists and to specialists. Member shall be solely responsible for any charges for any dental treatment received from a Non-Participating Provider under any circumstances or for any reason.

c) Unless the Member or the Plan requests otherwise, a Participating Provider withdrawing or being terminated from the Plan is obligated to provide, following the date of his or her termination from the Plan, Dental Care Services to a Member in the course of commenced but uncompleted treatment by the Provider on the date of such withdrawal or termination from the Plan at the discounted fees to which the Member is entitled under this Agreement until the course of treatment has been completed.

d) Should the Plan cease to be in business, the Participating Provider is obligated to continue to provide Dental Care Services to Members at the discounted fees to which the Member is entitled under this Agreement until the Member’s paid annual membership terminates.

e) The Plan will post on its website (www.NewDentalChoice.com) the names of Participating Providers who (1) have given notice to Plan that they intend to withdraw from the Plan’s provider network; (2) are being terminated from the Plan; or (3) become unable to perform as a Participating Provider This notice under normal circumstances will be posted no less than sixty (60) days before the Provider will cease to be a Provider in the Plan, although in instances where the Provider is being terminated for reasons of cause or otherwise becomes unable to perform as a Provider, the website notice may be posted in fewer days. Therefore, Members are encouraged to consult the Plan’s website to determine the status of a particular Participating Provider, or they may call the Plan’s toll-free number and speak with a Member Services Representative (1-888-632-3676).

10. LIABILITY OF SUBSCRIBER AND MEMBER FOR PAYMENT:

The Plan is not liable for any Member costs incurred at Participating Providers or Non-Participating Providers. Should for any reason the Plan come to owe to a Participating Provider any sum, the Member shall not be responsible or liable to the Provider for any portion of such sums.

11. EMERGENCY SERVICES:

The Plan need not be notified in the event of an emergency. A Member requiring emergency Dental Care Service may receive Services from any Participating Provider by showing a valid Member I.D. card. The Plan does not provide for discounted fees from Non-Participating Providers. The plan is not liable for any Member costs incurred at Non-Participating Providers.

12. MEMBERSHIP ELIGIBILITY AND ADDING DEPENDENTS:

Upon receipt of the Plan Member I.D. card, a Member and Eligible Dependents shall be equally entitled to all discounts for the term of which the Subscriber has paid. Subscriber may add additional dependents by notifying Plan in writing and paying any relevant prorated monies for the remainder of Subscriber’s eligibility term. A Subscriber may include or add as a dependent a domestic partner provided the domestic partnership has been registered with the Office of the California Secretary of State.

13. RENEWAL PROVISIONS:

At the conclusion of the initial and subsequent Membership Terms, annual memberships in the Plan will be renewed automatically unless the Subscriber notifies the Plan, by providing written or e-mail notification to Plan at members@newdentalchoice.com prior to the new Membership term, that he/she wishes to cancel his/her Membership in the Plan. Subscribers with annual Memberships may pre-approve an automatic billing to their credit card to effect their renewal; Subscribers not authorizing automatic renewal will be mailed a renewal notice no less than 30 days prior to the end of their Membership term.

14. CANCELLATION AND NON-RENEWAL OF ENROLLMENT OR SUBSCRIPTION:

An enrollment or a subscription may be cancelled or not renewed by Plan for the following reasons:

(a) Failure to pay the Membership Fee if the Subscriber has been duly notified and billed for the Fee and at least 15 days have elapsed since the date of notification. Cancellation of membership will be effective upon the date of mailing the notice of cancellation.

(b) Fraud or deception in the use of the discounted fee Membership or knowingly permitting such fraud or deception by another. Cancellation of membership will be effective upon the date of mailing the notice of cancellation;

(c) If at any time we determine that you intentionally gave us incomplete or incorrect material information and our decision to accept your enrollment was based, in whole or part, on that misinformation, we may cancel your membership. Cancellation of membership will be effective upon the date of mailing the notice of cancellation.

(d) If a Participating Provider is unable, after reasonable effort, to establish and maintain a satisfactory dentist-patient relationship with a Member, and Member declines to seek desired dental services from another Participating Provider. Notice of such termination must be in writing by the Plan and eligibility will cease fifteen (15) days after receipt of postage-paid mailing of such notice. Following termination, the Plan will refund any Membership Fee received by it on behalf of such Member during the period of one (1) month prior to such termination.

(e) Upon a Dependent’s no longer living with and financially dependent upon the Subscriber, as determined by the Internal Revenue Service. Cancellation of Dependent’s membership will be effective on the last day of the month for which a prepayment fee was made on behalf of the Dependent.

(f) If eligibility lapses while a Member is undergoing treatment for an ongoing condition, the Member will have a thirty (30) day grace period for full reinstatement of eligibility without a lapse in coverage. (g) In the event the proper Membership Fee amount is paid after cancellation of the Subscriber, the Plan will reinstate the Subscriber without requiring a new application unless the Plan shall, within twenty (20) business days: 1) refund the payment made or 2) issue to the Subscriber a new enrollment form. Covered Services in Progress will continue until the Services are completed. A Subscriber who believes that his or her membership has been cancelled or non-renewed because of his or her dental health status or requirements for dental care services may request that such action be reviewed by the Director of the Department of Managed Health Care by contacting the Department at the telephone number stated in Paragraph 17 below. If after canceling this Agreement for nonpayment of the required Membership Fee Plan receives the Membership Fee within 30 days, Plan shall reinstate the Member as though the cancellation had never occurred; provided, however, that Plan need not reinstate the Member if payment is not received within 30 days of the issuance of the notice of cancellation; in such a case, a new application will be required and if accepted the original contract will be reinstated. The notice of cancellation will clearly state these conditions and procedures.

15. TERMINATION OF BENEFITS AND REFUND OPTIONS:

If, for any reason, a Subscriber is not satisfied with the Plan and wishes to terminate his/her Membership, the Subscriber may cancel the Membership within the first 30 (thirty) days by notifying the Plan in writing or by e-mail communication at members@newdentalchoice.com. Subscriber must also return his/her Member I.D. Card to Plan to receive a refund. Membership in the Plan shall terminate at midnight on the date that Plan receives the noticed cancellation. Activation fees collected at the time of enrollment are not refundable. Refunds shall be made through the same mode as the last payment received. Any cancellation of Membership in the Plan will not affect the completion of any Services in Progress.

16. MEMBERSHIP PAYMENT/BILLING:

Unless payment is made by check (other than by a direct debit to a checking account), payment of the initial Membership Fee and any renewal Membership Fee is made automatically by a direct charge against the Subscriber’s credit card or other payment option, previously authorized by the Subscriber, for the full amount of the Plan Membership Fee for the Membership Term. Members who choose to pay Membership Fees by a direct charge against the Subscriber’s credit card or other automatic payment option may authorize the Plan to automatically renew the Subscriber’s Membership at the end of the Member’s term by charging the Subscriber’s credit card or other automatic payment option. The Subscriber will be notified of the billing in his/her credit card or other statement. Plan reserves the right to increase the Membership Fee for a future Membership Term, in which case the Subscriber will be notified in writing of the increased Membership Fee, a minimum of thirty (30) days prior to the date of the new charge.

17. GRIEVANCE PROCEDURE/ARBITRATION:

If a Member has a grievance with the Plan or a Participating Provider concerning Provider accessibility or discounted fees under this contract, he or she may orally submit such grievance by calling the Plan Member Services Department at 1-888-NDC-ENROLL (1-888-632-3676). Plan will permit grievances which are filed within 180 days of the occurrence or incident that is the subject of the grievance. Member may also submit a completed written grievance form (available by calling the Member Services number, online at www.newdentalchoice.com, or from their Dentist’s office) or a detailed grievance summary of Member’s grievance to: New Dental Choice, c/o Membership Services Department, P.O. Box 919029 San Diego, CA 92191. The Chief Operating Officer of Plan shall have primary responsibility for overseeing the operation of Plan’s grievance procedures. All grievances will be addressed within 48 business hours of receipt. The Plan shall not discriminate against any Member because of race, color, national origin, ancestry, religion, sex, martial status, sexual orientation, genetic characteristics, mental, or physical abilities when filing a grievance. Furthermore, the Plan will not discriminate against any member who has engaged the grievance procedure at any level, for any reason. The California Department of Managed Health Care is responsible for regulating discounted fee plans. If a Member has a grievance against the Plan, Member should first contact the Plan at 1-888-NDC-ENROLL (1-888-632-3676) and attempt to resolve the grievance through the Plan’s grievance process before contacting the Department. Utilizing this grievance procedure does not negate any potential legal rights or remedies that may be available to Member. If Member needs help with a grievance that has not been satisfactorily resolved by the Plan, or with a grievance that has remained unresolved for more than 30 days, Member may call the Department for assistance. The Department has a toll-free number (1-888-466-2219) and a TDD line (1-877-688-9891) for the hearing- and speech-impaired. The Department’s Internet Web site (http://www.hmohelp.ca.gov) has complaint forms and instructions online.

18. ARBITRATION:

Each and every disagreement, dispute or controversy which remains unresolved concerning Provider accessibility or discounted fees under this contract after exhausting Plan’s complaint procedures, arising between a member or the heir-at-law or personal representative of such person, as the case may be, and Plan, its employees, officers or directors, or Participating Provider or Members, partners, agents, or employees, may be voluntarily submitted to arbitration in accordance with the rules and regulations of the American Arbitration Association. Arbitration shall be initiated by written notice to the President of First Dental Health, Inc., P.O. Box 919029, San Diego, California 92191. This notice shall include a detailed description of the matter to be arbitrated.

19. PUBLIC POLICY COMMITTEE:

The Plan encourages participation by Members in the Plan’s Public Policy Committee. The Public Policy Committee meets quarterly and Plan appoints selected Members to serve for a period of two (2) years. The Public Policy Committee establishes Public Policy issues with the Plan, evaluates Plan performance as it relates to membership and reviews Plan materials. Interested Members are requested to contact the Plan’s administrative office for further information.

20. MEMBER REPRESENTATIONS AND ACKNOWLEDGEMENTS:

Subscriber makes the following representations and acknowledgements:

a) Subscriber has read this Agreement carefully, understands the Plan, and understands the various billing methods for payment of the Membership Fee.

b) Subscriber may cancel his/her Plan Membership within the first 30 (thirty) days of the Membership Term and will be entitled to a refund subject to the terms of Paragraph 15 of this Agreement.

c) Unless Subscriber cancels his/her Membership in accordance with Paragraph 15 of this Agreement, the Plan Membership will be automatically renewed on the last day of Subscriber’s Membership Term, and payment of the Plan Membership Fee for the new Membership Term will be made by a direct charge against Subscriber’s credit card or other automatic payment option.

d) Membership in the Plan and services thereunder are not assignable without the express written consent of the Plan. Subscriber agrees that he/she will use his/her Plan Membership only for his/her personal benefit or for the benefit of his/her Eligible Dependents. A violation of this paragraph 19(d) will result in immediate termination of the Plan Membership.

e) Subscriber understands that Members are responsible for paying Participating Providers for services rendered at time of service unless otherwise agreed upon by Member and Participating Provider.

f) A statement describing the FDH policies and procedures for preserving the confidentiality of dental records is available and will be furnished to you upon request.

21. DISCLAIMER OR WARRANTIES:

The Plan is not a merchant, manufacturer, or a direct provider of the Dental Care Services available to Members. In the event any product or Dental Care Service purchased by a Member is cancelled, modified, defective, or otherwise unsatisfactory to the Member, the Member will look solely to the Provider, seller, merchant, or manufacturer of the product or service for any repair, exchange, refund, or satisfaction of claim.

22. DISCRIMINATION:

The Plan shall not discriminate against any Member because of race, color, national origin, ancestry, religion, sex, martial status, sexual orientation, genetic characteristics, mental, or physical abilities.

23. GENERAL RELEASE:

Each Subscriber for himself/herself, and on behalf of any Eligible Dependent who uses the Services under the Plan Membership, hereby forever releases, acquits and discharges each of FDH, its employees or agents from any and all liabilities, claims, demands, actions, and cause of action that such Member may have by reason of any monetary damage or personal injury sustained as a result of, or during the cause of the use of any and all Services under The Plan.

24. NOTICES:

Any and all notices, consents, approvals, requests, and other written communications given or required under the terms of this Agreement shall be deemed to have been duly given and served when sent by first class mail, postage-prepaid and addressed to the Member at the address shown on the Member I.D. Card, or to Plan at: New Dental Choice, P.O. Box 919029, San Diego, CA 92191.

25. ENTIRE AGREEMENT:

This Agreement sets forth the entire agreement and understanding of the parties with regard to membership in the Plan. No representations, inducements, promises or agreements, or otherwise, shall be of any force or effect. The validity or unenforceability of any term of this Agreement shall in no way affect the validity or enforceability of any other terms or provisions or this Agreement.

26. BINDING EFFECT:

This Agreement shall be binding upon and inure to the benefit of the parties as well as their respective successors and permitted assigns.

27. GOVERNING LAW:

This Agreement shall be governed and construed in accordance with the laws of the State of California.

28. HEADINGS:

The headings or captions provided throughout this Agreement are for reference purposes only and shall in no way affect the meaning or interpretation of this Agreement.

29. AMENDMENT:

This agreement may be amended only in writing executed by the parties.

30. WAIVER OF BREACH:

Waiver of breach of any provision of this Agreement shall not be deemed a waiver of any other breach of the same or different provision.

Posted by California Dental | in California Dental Insurance | Comments Off on California New Dental Choice Discount Plan for the Los Angeles, Orange, and Ventura counties

California Dental Insurance $1500 Max Platinum Plan Underwritten by Delta Dental Insurance Company

Apr. 26th 2011

Reviewing the Dental Insurance $1500 Max Platinum Plan Underwritten by Delta Dental Insurance Company. This dental insurance plan provides individual and family dental benefits. A family membership covers the applicant, spouse, and your dependent children ages 25 or younger. The dental insurance plan offers your choice of dentist and you can change your dentist anytime by notifying the company. Your savings are in place when you visit your dentist so you just show up for your dental appointment and make your co-payment – what could be easier? Dental health care and orthodontic coverage is included for dependent children.

There is no waiting period for your preventive services to start. Please review the dental benefit co-payments below and see how easy it is for you or your entire family to enjoy these quality dental services. Just a reminder your online request must be processed on or before the 20th of the month prior to the following month’s coverage effective date.

Limitations on all Benefits – Optional Services:

Services that are more expensive than the form of treatment customarily provided under accepted dental practice standards are called “Optional Services.” Optional Services also include the use of specialized techniques instead of standard procedures. For example: a crown where a filling would restore the tooth, a precision denture where a standard denture could be used, or an inlay instead of a restoration. If you receive Optional Services, your Benefits will be based on the lower cost of the customary service or standard practice instead of the higher cost of the Optional Service. You will be responsible for the difference between the higher cost of the Optional Service and the lower cost of the customary service or standard practice.

Exclusions – The Insurance Company does not pay Benefits for:

1.Services for injuries or conditions which are compensable under workers’ compensation or employers’ liability laws; services which are provided to the Enrollee by any federal or state government agency or are provided without cost to the Enrollee by any municipality, county or other political subdivision except as such exclusion may be prohibited by law.

2.Services with respect to congenital (hereditary) or developmental (following birth) malformations or cosmetic surgery or dentistry for purely cosmetic reasons, including but not limited to cleft palate, maxillary and mandibular (upper and lower jaw) malformations, enamel hypoplasia (lack of development), fluorosis (a type of discoloration) of the teeth, and andontia (congenitally missing teeth), except those services provided to newborn children for congenital defect or birth abnormalities or services that may be provided under Orthodontic Benefits.

3.Services for restoring tooth structure lost from wear, erosion, or abrasion, for rebuilding or maintaining chewing surfaces due to teeth out of alignment or occlusion, or for stabilizing the teeth. Such services include, but are not limited to: equilibration, periodontal splinting, occlusal adjustment.

4.Any single procedure started prior to the date the person became covered for such services under this program.

5.Prescribed drugs, medication or analgesia

6.Experimental procedures

7.Charges by any hospital or other surgical or treatment facility and any additional fees charged by the Dentist for treatment in any such facility.

8.Charges for anesthesia, other than by a licensed Dentist for administering general anesthesia in connection with covered oral surgery services.

9.Extra oral grafts (grafting of tissues from outside the mouth to oral tissues).

10.Services with respect to any disturbance of the temporomandibular joint (jaw joint).

11.Services performed by any person other than a Dentist or auxiliary personnel legally authorized to perform services under the direct supervision of a Dentist.

12.Replacement of teeth extracted prior to the member’s effective date are not covered benefits.

13.Replacement of an Crown, Jacket, Cast Restoration, Bridge or Denture that the patient received in the previous five (5) years.

See the limitation and exclusion disclosures for additional details.

Posted by California Dental | in California Dental Insurance | Comments Off on California Dental Insurance $1500 Max Platinum Plan Underwritten by Delta Dental Insurance Company

California Dental Insurance PPO Plan $2000 Max Underwritten by Standard Life Insurance Company

Apr. 25th 2011

Reviewing the Dental Insurance PPO Plan $2000 Max Underwritten by Standard Life Insurance Company. This dental insurance plan provides individual and family dental benefits. A family membership covers the applicant, spouse, and your dependent children ages 25 or younger. The dental insurance plan offers you a free choice of network plan dentists and you can change your dentist anytime by notifying the company. Your savings are in place when you visit your dentist so you just show up for your dental appointment and make your co-payment – what could be easier? Dental health care and orthodontic coverage is included for dependent children.

There is no waiting period for your preventive services to start. Please review the dental benefit co-payments below and see how easy it is for you or your entire family to enjoy these quality dental services. Just a reminder your online request must be processed on or before the 20th of the month prior to the following month’s coverage effective date.

Limitations on all Benefits – Optional Services:

Services that are more expensive than the form of treatment customarily provided under accepted dental practice standards are called “Optional Services.” Optional Services also include the use of specialized techniques instead of standard procedures. For example: a crown where a filling would restore the tooth, a precision denture where a standard denture could be used, or an inlay instead of a restoration. If you receive Optional Services, your Benefits will be based on the lower cost of the customary service or standard practice instead of the higher cost of the Optional Service. You will be responsible for the difference between the higher cost of the Optional Service and the lower cost of the customary service or standard practice.

Exclusions – The Insurance Company does not pay Benefits for:

1.Services for injuries or conditions which are compensable under workers’ compensation or employers’ liability laws; services which are provided to the Enrollee by any federal or state government agency or are provided without cost to the Enrollee by any municipality, county or other political subdivision except as such exclusion may be prohibited by law.

2.Services with respect to congenital (hereditary) or developmental (following birth) malformations or cosmetic surgery or dentistry for purely cosmetic reasons, including but not limited to cleft palate, maxillary and mandibular (upper and lower jaw) malformations, enamel hypoplasia (lack of development), fluorosis (a type of discoloration) of the teeth, and andontia (congenitally missing teeth), except those services provided to newborn children for congenital defect or birth abnormalities or services that may be provided under Orthodontic Benefits.

3.Services for restoring tooth structure lost from wear, erosion, or abrasion, for rebuilding or maintaining chewing surfaces due to teeth out of alignment or occlusion, or for stabilizing the teeth. Such services include, but are not limited to: equilibration, periodontal splinting, occlusal adjustment.

4.Any single procedure started prior to the date the person became covered for such services under this program.

5.Prescribed drugs, medication or analgesia

6.Experimental procedures

7.Charges by any hospital or other surgical or treatment facility and any additional fees charged by the Dentist for treatment in any such facility.

8.Charges for anesthesia, other than by a licensed Dentist for administering general anesthesia in connection with covered oral surgery services.

9.Extra oral grafts (grafting of tissues from outside the mouth to oral tissues).

10.Services with respect to any disturbance of the temporomandibular joint (jaw joint).

11.Services performed by any person other than a Dentist or auxiliary personnel legally authorized to perform services under the direct supervision of a Dentist.

12.Replacement of teeth extracted prior to the member’s effective date are not covered benefits.

13.Replacement of an Crown, Jacket, Cast Restoration, Bridge or Denture that the patient received in the previous five (5) years.

Posted by Sunny | in California Dental Insurance | Comments Off on California Dental Insurance PPO Plan $2000 Max Underwritten by Standard Life Insurance Company

California PrimeCare Dental HMO Plan 106 Review, Limitations, and Exclusions

Apr. 24th 2011

Reviewing the PrimeCare Dental HMO Plan 106. This dental plan offers individual and family dental services. Dependants include your spouse, domestic partner and/or unmarried children who are 23 years of age and younger. Children 24 years of age and over are eligible only while the child is and continues to be both (1) incapable of sustaining employment by reason of developmental disability or physical challenge, and (2) is chiefly dependent upon the subscriber for support and maintenance, provided proof of incapacity and dependency is furnished to dental plan company. There are no deductibles and no yearly limits on services, and there are no claim forms to fill out.

Your savings are in place when you visit a network dentist. You just show up for your dental appointment and make your co-payment – what could be easier? The dentists must meet the Plan’s standard of quality and service. All have agreed to provide dental care at a low cost available only to its members. There is no waiting period for your dental services to begin, pre-existing dental conditions are covered subject to the plan limitations and best of all, the dental plan services start the first day of next month if ordered by the 25th of this month. Review the sample schedule below and see how easy it is for you or your entire family to enjoy these quality dental services.

Primecare Dental Limitations & Exclusions: Speciality co-payments vary by service area. Specialty referral pre-authorization required.

1. Full mouth X-rays: Limited to one (1) set every three (3) years unless diagnostically necessary.

2. Bitewing X-Rays: Two (2) sets in any twelve (12) month period unless diagnostically necessary.

3. Sealants: Limited to molars, up to the 16th birthday.

4. Fluoride: Up to the 18th birthday two(2) in any twelve (12) month period.

5. Delivery of removable prosthodontics includes adjustments within six months of delivery date of service.

6. Periodontal scaling and root planning: Limited to four (4) quadrants per twenty-four (24) consecutive months in combination with routine prophylaxis.

7. The copayments listed for endodontic procedures do not include the cost of the final restoration.

8. Panoramic x-rays: One (1) in any three (3) year period unless diagnostically necessary.

9. Prophylaxis: covered once every six consecutive months.

10. Reline of a complete or partial denture: One (1) per denture in any twelve (12) month period, unless dentally necessary.

11. Rebase of a complete or partial denture: One (1) per denture in any twelve (12) month period, unless diagnostically necessary.

12. Replacement of partial or full dentures are covered once per arch every five (5) years, except when they cannot be made functional through reline or repairs.

13. Complete or partial dentures are not to exceed one per arch in a five (5) year period unless necessary due to natural tooth loss where the addition to an existing partial or denture is not feasible. Primecare Dental Plan 106/2010

14. Treatment of malignancies, cysts, or neoplasm.

15. Periodontal grafting or splinting.

16. Extractions of impacted teeth with no radiographic evidence of pathology (disease). The removal of asymptomatic third molars is not a covered benefit unless pathology (disease) exists.

17. General anesthesia, analgesia, intravenous /intramuscular sedation or the services of an anesthesiologist.

18. Elective or cosmetic dentistry that are cosmetic in nature including, but not limited to bonding, bleaching teeth, personalization or dentures, posterior composites, porcelain veneers unless covered as a benefit.

19. Orthodontic treatment in process, or extractions for orthodontic purposes.

20. Procedures, appliances or restorations whose primary purpose is to change the vertical deminsion of occlusion, correct congenital development or medically induced dental disorders including but not limited to treatment of myofunctional, myoskeletal, or tempormandibular joint disorders unless otherwise specifically listed as a covered benefit on the plans schedule of benefits.

21. Precision attachments, stress breakers, magnetic retention or overdenture attachments.

22. Cephalometric x-rays, except when performed as part of the orthodontic treatment plan and records for a covered course of comprehensive orthodontic treatment.

23. Inlays, onlays, crowns or fixed bridges started, but not completed, prior to the Member’s eligibility to receive benefits under this Plan.

24. (Inlays, onlays, crowns or fixed bridges are considered to be started when the tooth or teeth are prepared, and completed when the final restoration is permanently cemented).

25. Dentures or orthodontic treatment started prior to the Member’s eligibility to receive benefits under this Plan.

26. (Dentures are considered to be started when the impressions area taken. Orthodontic treatment is considered to be started when the teeth are banded).

27. Replacement of lost or stolen prosthetics or appliances including crowns, bridges, partial dentures, full dentures, and orthodontic appliance.

28. Any treatment requested, or appliances made, which are either not necessary for maintaining or improving dental health, or are for cosmetic purposes unless otherwise covered as a benefit.

29. Any procedure or treatment unable to be performed in the dental office due to the general health or physical limitation of the member.

30. Dental implants and services associated with the placement of implants, prosthodontic restoration of dental implants, and specialized implant maintenance services.

31. Oral surgery requiring the setting of bone fractures or dislocations, Hospitalization , Out- patient services, Ambulance services, Durable Medical Equipment, Mental Health services, Chemical dependency services, Home Health services.

32. Dispensing of drugs supplied in a dental office.

33. Any condition for which benefits of any nature are recovered or found to be recoverable, whether by adjudication or settlement, under any Worker’s Compensation or Occupational Disease Law, even though the Member fails to claim his or her rights to such benefit.

34. Any service or procedure associated with the placement, prosthodontic restoration or maintenance of a dental implant and any incremental charges to other covered services as a result of the presence of a dental implant.

35. Root canal treatment started, but not completed, prior to the Member’s legibility to receive benefits under this Plan.

36. (Root canal treatment is considered to be started when the pulp chamber is opened, and completed when the permanent root canal filling material is placed.)

37. Coverage is up to twenty-four (24) months of comprehensive orthodontic treatment. If treatment goes beyond twenty four (24) months is necessary, the Member will be responsible for additional charge for each additional month of treatment based up to the participating Orthodontic Specialist Dentist’s contracted fee.

38. If a Member transfer to another Participating Orthodontist after comprehensive orthodontic treatment has been started the Member will be responsible for any additional costs associated with the change in orthodontist and subsequent treatment.
Orthodontic Limitations and Exclusions

The Plan covers orthodontic services as listed under Covered Dental Services, limited to one course of treatment in lifetime. Orthodontic services are not covered if comprehensive treatment begins before the Member is eligible for benefits under the Plan. If a Member’s coverage terminates after the fixed banding appliances are inserted, the Participating Orthodontist Specialist Dentist After the termination date, the Member will be responsible for any additional monthly amounts. Orthodontic treatment shall only be provided by a member of the Plan orthodontic panel.

The following are exclusions of orthodontic coverage

1. Re-treatment of orthodontic cases, or changes in orthodontic treatment necessitated by any kind of accident.

2. Replacement or repair of orthodontic appliances damaged due to the neglect of the Member.

3. Tracings, records, study models, x-rays and photographs.

4. Initial examination, consultation, diagnosis, treatment planning, retention appliances and related visits.

5. Cephalometric x-rays.

6. Lost or broken appliances.

7. Myofunctional therapy.

8. Surgical procedures such as extractions of teeth strictly for the purpose of orthodontia.

9. Any jaw surgical procedure related to orthodontia.

10. Dental services of any nature, performed in hospital or convalescent home or anywhere outside the office or Plan provider.

11. Dispensing of drugs not normally supplied in an orthodontic practice.

12. Treatment related to Temporomandibular Join Dysfunction or hormonal imbalances.

Primecare Cancellation Policy

You may cancel your policy at any time by notifying Member Services in writing. For enrollment of a continuous period of 12 months may cancel your policy only within the first 30 days after enrollment and receive a full refund provided that you have not used your benefits during that period.

Posted by California Dental | in California Dental Insurance | Comments Off on California PrimeCare Dental HMO Plan 106 Review, Limitations, and Exclusions

SafeGuard Premier Choice HMO Dental Plan In California

Apr. 23rd 2011

Reviewing the SafeGuard Premier Choice HMO Dental Plan. This dental plan provides individual and family dental benefits. A family membership covers your lawful spouse or registered domestic partner; your unmarried children or grandchildren through age 25 for whom you provide care (including adopted children, step-children, or other children for whom you are required to provide dental care pursuant to a court or administrative order); your children who are incapable of self-sustaining employment and support due to a developmental disability or physical handicap and who are dependent on your for their support and maintenance (you must furnish SafeGuard with proof of dependent status, as provided by law).

The dental insurance plan offers you a free choice of network plan dentists and you can change your dentist anytime by notifying the company. Your savings are in place when you visit your dentist so you just show up for your dental appointment and make your co-payment – what could be easier? Dental health care and orthodontic coverage is included for dependent children. There is no waiting period for your preventive services to start. Please review the dental benefit co-payments below and see how easy it is for you or your entire family to enjoy these quality dental services. Just a reminder your mail-in application must be received by the dental plan company on or before the 20th of the month prior to the following month’s coverage effective date.

Posted by California Dental | in California Dental Insurance | Comments Off on SafeGuard Premier Choice HMO Dental Plan In California

Reviewing the California Dental Network Dental Plan

Apr. 22nd 2011

Reviewing the California Dental Network HMO Dental Plan 460. This dental plan offers individual and family dental services to eligible residents in the household, including their lawful spouse and dependent children. Dependents shall also include all unmarried children under the age of 19 who are chiefly dependent on the subscriber for support and maintenance. Extension of eligibility may be made up to the age of 23 years for unmarried children who are principally dependent upon the subscriber and are registered students in regular, full-time attendance at an accredited school, college, or university (subscriber will be required to submit evidence of full-time status).

There are no deductibles and no yearly limits on services, and there are no claim forms to fill out. Your savings are in place when you visit network dentist. You just show up for your dental appointment and make your co-payment – what could be easier? The dentists must meet the Plan’s standard of quality and service. All have agreed to provide dental care at a low cost available only to its members. There is no waiting period for your dental services to begin, pre-existing dental conditions are covered. A reminder your mail-in application must be received by the company on or before the 20th of the month prior to the following month’s coverage effective date. Review the sample schedule below and see how easy it is for you or your entire family to enjoy these quality dental services.

An Enrollment Application is a request for coverage, which, if approved by California Dental Network, becomes the enrollment form used to issue an identification card and Combined Evidence of Coverage and Disclosure Form. All benefits, limitations and exclusions are stated in full in the Combined Evidence of Coverage and Disclosure Form which is provided when coverage becomes effective. Members will have 30 days from receipt of the Combined Evidence of Coverage and Disclosure Form to cancel their enrollment and receive a full refund of their premiums if they have not utilized the Plan. You may obtain a copy of the Combined Evidence of Coverage and Disclosure Form from their Corporate Office before you enroll.

Limitations (1) Prophylaxis (cleaning) is limited to once every six months. (2) Fluoride treatment is covered once every 12 months for Members up to age 14. (3) Bitewing x-rays are limited to one series of four films every 12 months. (4) Full mouth x-rays are limited to once every 24 months. (5) Sealants are covered for Members up to the age of 14 and are limited to permanent first and second molars. (6) Periodontal treatments (subgingival curettage and root planing) are limited to one treatment per quadrant in any 12-month period. (7) Fixed bridgework will be covered only when a partial cannot satisfactorily restore the case.(8) Replacement of partial dentures is limited to once every five years. (9) Full upper and/or lower dentures are not to exceed one each in any five-year period. (10) Denture relines are limited to one per arch in any 12-month period.

Exclusions (1) General anesthesia, analgesia (nitrous oxide), intravenous sedation, or the services of an anesthesiologist. (2) Treatment of fractures or dislocations; congenital malformations; malignancies, cysts, or neoplasms; or Temporomandibular Joint Syndrome (TMJ). (3) Extractions or x-rays for orthodontic purposes. (4) Prescription drugs and over the counter drugs. (5) Any services involving implants or experimentalprocedures. (6) Any procedures performed for cosmetic, elective or aesthetic purposes. (7) Any procedure to replace or stabilize tooth structure lost by attrition, abrasion, erosion or grinding.
Not all general dentists are capable of performing each of the services listed herein and, based upon the Member’s condition, certain procedures may not be within the scope of practice or ability of a general dentist. In such cases, the general dentist will refer the Member to a California Dental Network participating dental specialist, who will give the Member a 30% discount from their regular fees during the first year of enrollment, and a 50% discount thereafter, for up to $1,000 in services per year. The ratio of premium costs to health services paid, for plan contracts with individuals and groups of 25 or fewer members, during the preceding fiscal year was 0%. * UCR means the dentist’s or specialist’s Usual, Customary & Reasonable fees. # Member is responsible for the payment shown plus the actual lab cost of gold. Orthodontists may charge Members additional fees for costs of cases over 24 months, based on the differences in UCR fees for the needed treatment periods less the UCR fees for a 24-month treatment period.

The California Department of Managed Health Care is responsible for regulating health care service plans. If you have a grievance against your Health Plan, you should first telephone your Health Plan at 1-714-479-0777 or toll-free 1-877-4-DENTAL and use your Health Plan’s grievance process before contacting the Department. Utilizing this grievance procedure does not prohibit any potential legal rights or remedies that may be available to you. If you need help with a grievance involving an emergency, a grievance that has not been satisfactorily resolved by your Health Plan, or a grievance that has remained unresolved for more than 30 days, you may call the Department for assistance. You may also be eligible for an Independent Medical Review (IMR). If you are eligible for IMR, the IMR process will provide an impartial review of medical decisions made by a Health Plan related to the medical necessity of a proposed service or treatment, coverage decisions for treatments that are experimental or investigational in nature and payment disputes for emergency or urgent medical services. The Department also has a toll-free telephone number (1-888-HMO-2219) and a TDD line (1-877-688-9891) for the hearing and speech impaired. The Department’s Internet Web site http://www.hmohelp.ca.gov has complaint forms, IMR application forms and instructions online.

Posted by California Dental | in California Dental Insurance | Comments Off on Reviewing the California Dental Network Dental Plan

California Dental Health Care, and Handling Dentures with Proper Dental Care

Apr. 21st 2011

Dental Health Care, and Handling Dentures with Proper Care. One should keep in mind that dentures are fragile and they should be handle carefully to avoid braking them. Dentures do not like to be droop and there is a high chance that they will brake when doing so.  You want to be careful when cleaning your dentures.

A good tip is when cleaning your dentures stand on a soft towel or rug so if you do accidentally drop them the chances are lower that they will brake. You want to make sure the sink is full of water when cleaning your dentures. That way if you do drop your dentures in the sink while cleaning they will be  safe

You can wrap your dentures in a soft towel when you are walking around your house with your dentures. As soon as you are finish cleaning your dentures and you want to put them aside make sure you keep them soaked in warm or cold water or in your denture solution.

Posted by California Dental | in California Dental Insurance | Comments Off on California Dental Health Care, and Handling Dentures with Proper Dental Care

California Dental care, Tooth extraction done left with stitches

Apr. 20th 2011

Dental care, Tooth extraction done left with stitches.  I would  like to know about how long will it take for stitches to dissolve that the dentist put in after having two teeth extractions. I have six stitches in the back of my mouth and they are bugging the heck out of me.  I just had the two teeth pulled out yesterday.   And I am more bother with the stitches then of the slight tooth pain I still have.

 

Posted by California Dental | in California Dental Insurance | Comments Off on California Dental care, Tooth extraction done left with stitches

Dental Care in California, What to do for healthy teeth

Apr. 19th 2011

Dental Care, What to do for healthy teeth.  Eat healthy foods Fruits, vegetables, nuts, cheese and milk are foods for strong, healthy teeth. Foods with a lot of sugar are can be bad for teeth. Sugars in food stick to the teeth and bacteria (germs) gather in the sugar and cause plaque. Plaque can melt the surface of teeth and cause decay. Brushing and flossing teeth keeps them clean and healthy. Brushing and flossing removes bits of food and plaque. Plaque is germs which can make teeth rot or decay. After each meal is a good time to brush or floss teeth but they should be brushed at least twice each day.

 

Posted by California Dental | in California Dental Insurance | Comments Off on Dental Care in California, What to do for healthy teeth

Getting Dental Insurance for replacement dentures in Long Beach California

Apr. 18th 2011

Getting Dental Insurance for replacement dentures in Long Beach California.  Many people have dentures that are ill fitting or just plain broken.  Here are some tips you should know about getting dental insurance for new replacement dentures.  Make sure you  know and understand the dental insurance plan terms and conditions for dentures benefits.  Often times there are waiting periods for major dental services which includes dentures.  In such dental insurance plans  you may have to wait a year or more before the dental insurance plan starts to offer benefits for dentures.

Also some dental insurance plans will required proof that you had your old dentures for X amount of years (Generally five years but can very depending on the plan) before they will cover out on new dentures.  So make sure you know ahead of time the dental plan term and conditions before buying the dental plan of your choice. Picking the right dental plan from the start is always a good idea.

Posted by California Dental | in California Dental Insurance | Comments Off on Getting Dental Insurance for replacement dentures in Long Beach California

Dental care, Dental Hygienist in Carson, California

Apr. 17th 2011

Dental care, Dental Hygienist,  what is the average dental Hygienist salary?  II am  eighteen and I am thinking about becoming a dental hygienist.  I would like to have  some idea of how much the average salary for a dental hygienist. Dental Hygienist is a job that seems cool and I like working with people.  However, I still want the job to at least pay well enough to make a good living. I have thinking a lot about becoming an dental hygienist because I really like the dental hygienist that I been seeing now since I was ten. She is really nice and she says that she really likes her job. I did not think it would be right for me to ask how much she makes. So information on this would be great.

Posted by Yankovich | in California Dental Insurance | Comments Off on Dental care, Dental Hygienist in Carson, California

Children dental health care and Space Maintainers Help in San Pedro, California

Apr. 16th 2011

Children dental health care and Space Maintainers. Children often loose their baby teeth too soon,  either by an accident or due to tooth decay and poor dental care.  and some children will even pull out their baby teeth. A space maintainers hold open the empty space left by a lost tooth. They steady the remaining teeth, preventing movement until the permanent tooth takes its natural position in the jaw. It’s more affordable and easier on your child to keep their teeth in normal positions with a space maintainer than to move them back in place with orthodontic treatment

Space maintainers are appliances made of metal or plastic that are custom fit to your child’s mouth. They are small and unobtrusive in appearance. Most children easily adjust to them after the first few days.

Many dental insurance plans cover or offer benefits for space maintainers under their preventive dental care.   This is good, since normally there are not waiting periods for preventive dental care services.

Posted by Tim Smarts | in California Dental Insurance | Comments Off on Children dental health care and Space Maintainers Help in San Pedro, California

Missing teeth and proper dental health care

Apr. 15th 2011

Missing teeth and proper dental health care –  Did you know if you are missing one or more teeth you may see a difference in your chewing as well as speaking. You may even notice a difference in your face and profile. For many people missing teeth can cause low self esteem. Making them smile and laugh less for fare of people seeing their teeth. Proper dental care can and will help fix your teeth. Bridges will not only fix the gap cause by missing teeth but will restore the shape of your face as well as alleviate the difference in your bite. A dentist could also advise fixed or partial dentures when needed. Bridges and partial will look just like your normal teeth and give you back the smile you want to have. Another option though be it normally a more costly option would be dental implants. Dental implants are artificial teeth that attaches directly to the jaw.

Not everyone can have implants but a dentist can advise if dental implants  is an valid option for you. Talk to a dentist, go over all your dental options and see which one you feel will be best for you. Most dental insurance plans will cover a portion of the cost for dental bridges, partials and or dentures. At this time it is still hard to find dental insurance that offer coverages for dental implants. Therefore when it comes to implants you may want to review dental discount plans for cost savings. However read your dental insurance plan terms and conditions and when in doubt call the company so you can know for sure what you are and are not covered for. Keep us in mind for any of your dental insurance dental plan needs. We are hear to help you get the best dental plan for your current dental needs. Share on Facebook

Posted by Silacebuse | in California Dental Insurance | Comments Off on Missing teeth and proper dental health care

Dental Health Care, Acid Reflux and Dental Care

Apr. 14th 2011

Dental Health Care, Acid Reflux and Dental Care — There are many people that are dealing with Gastroesophageal reflux disease which is relatively a common condition. Acid Reflux is when the stomach acid are refluxed up, which may cause problems to your esophagus as well as your oral health and teeth if left untreated. With regards to the one oral health care acid reflux can cause enamel erosion. Which can lead to tooth decay and other dental issues. Acid reflux can also cause bad breath issues. It is important to speak to your medical  doctor as well as your dentist, when dealing with Acid Reflux disease. Let your dentist know that you are dealing with acid reflux.   That way the dentist will know to check more carefully for signs of tooth enamel erosion as well as wear on fillings.

You may want to see a dentist more the just twice a year if you have constant acid reflux issues. Stomach acid will quickly damage teeth if you do not stay on top of your oral health care. See a doctor to get help in controlling your acid reflux and see a dentist regularly to maintain your teeth health. Here is a good tip that may help you when you do get acid reflux and it comes up in your mouth. Immediately after do not brush but rinse with baking soda. Baking soda will help neutralize the effects of the stomach acid that comes up into your mouth. You may want to start keeping a record of food that make you more sensitive to getting acid reflux and try to limit yourself on those foods. Share on Facebook

Posted by steve | in California Dental Insurance | Comments Off on Dental Health Care, Acid Reflux and Dental Care

Calif Dental Health Care, Finding the Most Affordable Dental Plan Options.

Apr. 13th 2011

Dental Health Care, Finding the Most Affordable Dental Plan Options. Your dental health care is very important and there are many ways to make sure you are doing all you can for your oral health care. Simple things such as daily care like brushing your teeth at least twice a day making sure you flossing daily, using tarter control and gum care mouthwash. The basic dental care you do for yourself is low cost and take very little time to do each day. The next step is buy seeing a dentist at least twice a year for your check up and cleanings. Now cost can be a factor but it does not have to be. One way to control your dental cost is by getting a low cost dental insurance plan.

Many dental insurance plan offer free to very low cost preventive dental care. The money you spend on dental insurance is well worth it. And by seeing your dentist regularly you will hopefully avoid any major dental issues. However if you did need larger dental services having dental insurance in place will also help control your dental cost. Be thoughtful about your oral health and think ahead. Good dental care now make for good dental care in the future.

 

Posted by Suzanne | in California Dental Insurance | Comments Off on Calif Dental Health Care, Finding the Most Affordable Dental Plan Options.

CA Dental Health Care, Most Oral Health Diseases are Preventable.

Apr. 12th 2011

Dental Health Care, Most Oral Health Diseases are Preventable. It hard to believe that many children and adult still do not take simple measure that have been proven to be effective in the fight against oral diseases and another dental care issues. By making these changes you are not only preventing oral diseases but reducing your dental care costs. Brush your teeth at least twice a day for at least two minutes. Brush your teeth in small circles and not up and down or back and forth. Make sure you are brushing all your teeth including the back ones. (Watch kids as they are learning to brush, since they tend to only brush the front teeth)

Using toothpaste with fluoride as it is good way to prevent tooth decay and is cost-effective. With young children however make sure you keep the toothpaste out of their reach. Use only a pee size amount of toothpaste or less if younger. Otherwise do not use fluoride toothpaste until they learn to spit and not swallow. Flossing daily is very important in your oral health care. Brushing is only half the job. You can brush all you want but if you are not flossing you are running a high risk of tooth decay and gum disease. Flossing only takes a few minutes out of your day and is a very low cost way of maintaining your oral health. Floss your children teeth until they can learn how to floss correctly on their own.

Another safe and effective way to prevent cavities in kids are buy having dental sealants. Dental sealants is a plastic coating which is applied to the chewing surfaces of the back teeth, where decay mostly occurs.  A dentist would be able to put on dental sealants in order to help protect your children teeth.  Many dental insurance plans do offer coverages for dental sealants for children.

However even knowing this only about one-third of children ages 6 – 19 have sealants. Cost can be a factor and is why having a dental insurance  in place will help out many people and their families.

You should see a dentist at least twice a year for oral check ups. More when advise by your dentist to do so. Check ups, X-rays and Basic cleanings normally fall under preventive dental services. It is important to have preventive dental services done regularly so any dental problems can be detected early on. Under most dental insurance plans preventive dental care is either very low in cost or is offer for free.

By just taking care of your teeth as a child to an adult you can avoid many oral health issues. These are simple ways to help keep healthy teeth and gums for a very low cost. But if they are not done, not only will your oral heath suffer but so will your wallet.

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Posted by Tim Smarts | in California Dental Insurance | Comments Off on CA Dental Health Care, Most Oral Health Diseases are Preventable.

Dental Health Care and getting dental bridges.

Apr. 11th 2011

Dental Health Care and getting dental bridges. When looking into getting dental insurance for dental bridges try to make note of the following:  Whenever possible do not pull out teeth prior to having dental insurance. Once you have teeth pulled it can be hard to find dental insurance that will cover bridge.work. This is because many dental insurance plans have missing teeth clauses. Meaning that if the teeth were missing prior to the plan effective date they wil not cover for a bridge to be put in. Is is very important to know before buying any dental insurance plan. There are dental insurance plans that have waiting periods.  Making you wait a year or more before they offer major dental services.  If you buy a plan without knowing the terms you may find out it does not work for you when the time comes.  If you are not sure, call and ask the company prior to buying the plan.

Another good tip is whenever you do have a dental bridge put in keep your receipt. If any time latter on you ever need to have the bridge replace, you may need to show how old your original bridge work  is.  Some dental insurance plans will replace bridges, partials and denture but only after you had your old one in for five or more years. (Therefore they will normally ask for proof)

If you do have current missing teeth it does not mean you can not find dental insurance to help you fix your smile. Just read the terms and conditions carefully. Make sure the dental insurance plan you are buying is going to cover for the dental services you want.

I also suggest not to rule out dental discount plans. With dental discount plan preexisting is not excluded, including missing teeth. For a low monthly cost of having a dental discount plan, you get the discounted saving off dental bridge work without any waiting periods or exclusions.  Whether you need to have a bridge, partials and or dentures we are here to help you find the best dental plan that will work for you. So please call our member service line at 310-534-3444 if you have any questions about any of our dental insurance dental plan options.

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Posted by California Dental | in California Dental Insurance | Comments Off on Dental Health Care and getting dental bridges.
 

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