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Preventing Tooth Decay: Understanding Symptoms and Signs of Cavities

May. 13th 2024

At CaliforniaDentalInsurance.com, we firmly believe that dental care should be accessible and affordable for everyone. That’s why we offer a range of dental insurance policies tailored to the needs of individuals and families alike. Our policies cover a wide range of dental procedures, from routine check-ups to significant treatments like root canals and orthodontics. More importantly, they provide a sense of financial security, protecting you against unexpected dental expenses. With our dental insurance, you can rest easy, knowing that you and your loved ones are covered, no matter what dental issues may arise.

In this article, we will discuss one of the most common dental issues faced by people of all ages: tooth decay. We will delve into the causes of tooth decay and empower you with the preventive measures that can be taken to maintain good oral health. By the end of this article, you will gain a better understanding of tooth decay and how to prevent it from affecting your teeth.

Getting dental insurance is a straightforward process if you’re ready to protect your oral health and ensure financial security for your dental needs. Call us at 310-534-3444 or visit our website to get a quote and choose a policy that suits your needs. Our team of friendly and knowledgeable representatives is always ready to assist you with any queries about our dental insurance policies or our services. With dental insurance, you can have peace of mind knowing that your dental care is covered, reducing the financial burden of unexpected dental expenses. Let’s examine tooth decay and explore ways to maintain good oral health.

Understanding Tooth Decay: Symptoms and Signs of Cavities

In our previous discussion, we examined what tooth decay is and some of its common causes. This post will delve into the symptoms of tooth decay and cavities. There may be no noticeable symptoms in the early stages of tooth decay. However, as the decay progresses, it can cause various dental issues, such as:

1. Toothache (tooth pain): Toothache or tooth pain is a common dental problem that various factors, such as tooth decay, gum disease, tooth abscess, or injury to the tooth, can cause. However, tooth decay is the most common cause of toothache. Tooth decay can cause a sharp or throbbing pain that can be unbearable when it reaches the inner layer of the tooth (dentin), where the nerves are located.

The pain may be triggered by hot or cold foods and beverages, sweet foods, biting or chewing pressure, or even just touching the affected tooth. In some cases, the pain may radiate to the jaw, ear, or neck, making it difficult to pinpoint the exact location of the problem tooth. 

It’s essential to address a toothache promptly as it can indicate a more severe dental issue that requires immediate attention. Delaying treatment can result in the spread of infection, which can lead to tooth loss, gum disease, or even systemic health issues. Therefore, if you experience tooth pain, it’s crucial to schedule an appointment with your dentist as soon as possible to determine the underlying cause and receive the necessary treatment.

2. Tooth sensitivity to sweets, hot, or cold: If you feel a sharp pain or discomfort in your teeth while consuming hot or cold drinks, candies, or acidic foods, it could be a sign of tooth sensitivity. Tooth sensitivity is a common dental problem that affects many people. Various factors such as tooth decay, worn tooth enamel, gum recession, or cracked teeth can cause tooth sensitivity.

Tooth decay is one of the most common causes of tooth sensitivity. When tooth decay occurs, the enamel on the tooth has been eroded, exposing the sensitive inner layers of the tooth. The erosion makes the tooth more susceptible to pain or discomfort when exposed to hot or cold drinks, sweets, or acidic foods.

Apart from tooth decay, other factors that can cause tooth sensitivity include:

  • Brushing your teeth too hard.
  • Grinding your teeth, gum disease.
  • Using tooth-whitening products.

If you experience tooth sensitivity, you must visit your dentist for a proper diagnosis and treatment. In some cases, your dentist may recommend using desensitizing toothpaste, fluoride treatments, or dental bonding to alleviate the symptoms of tooth sensitivity.

In conclusion, tooth sensitivity to hot, cold, or sweet foods can indicate dental problems such as tooth decay, gum recession, or worn tooth enamel. If you experience tooth sensitivity, it’s essential to consult your dentist to determine the cause and get the proper treatment to alleviate the symptoms.

3. White or brown stains on the surface of a tooth: White or brown stains on your teeth can be a cause for concern, as they may indicate tooth decay. Tooth decay is a common dental problem when the bacteria in your mouth produce acids that break down the minerals in your tooth enamel. This process can cause the formation of small white or brown spots on the surface of your teeth, which may eventually lead to cavities if left untreated.

The primary cause of these stains is the loss of minerals from the tooth’s enamel, known as demineralization. If you notice any white or brown spots on your teeth, seeing your dentist as soon as possible is essential. Your dentist can examine your teeth and recommend appropriate treatment options to prevent further decay and restore oral health.

In some cases, these stains may be caused by other factors such as poor oral hygiene, smoking, or consuming acidic foods and drinks. However, tooth decay remains the most common cause of white or brown stains on teeth. Therefore, it is crucial to maintain good oral hygiene habits such as brushing and flossing regularly, avoiding sugary and acidic foods, and visiting your dentist for regular check-ups and cleanings.

4. An infection can lead to an abscess (pocket of pus) forming: When a tooth is infected, it can lead to an abscess, a pocket of pus that can cause various unpleasant symptoms. If you don’t promptly address dental decay, it can cause progression to the tooth’s pulp, the soft tissue at the center of the tooth. When this happens, bacteria can enter the pulp and cause an infection, resulting in an abscess. 

An abscess is a serious dental condition that can cause significant discomfort, including severe pain and facial swelling. Additionally, an abscess can lead to other health complications, such as fever, headache, and even difficulty breathing in severe cases. 

It is essential to address dental decay and infections promptly to avoid the formation of an abscess. Regular dental check-ups, which are covered by our dental insurance policies, can help identify any issues early on, allowing for prompt treatment and preventing the development of more serious dental conditions. These check-ups typically include thoroughly examining your teeth and gums, professional cleaning, and X-rays if necessary. If you experience any symptoms of an abscess, such as persistent pain, swelling, or fever, it is crucial to seek dental care right away for proper treatment.

It is crucial to seek dental treatment promptly if you experience any of these symptoms. Regular dental check-ups and good oral hygiene practices can help prevent tooth decay and cavities. Remember, prevention is always better than cure.

Effective Treatments for Tooth Decay and Cavities: A Comprehensive Guide

Tooth decay and cavities can cause significant discomfort and pain if left untreated. Fortunately, several treatments are available to address these problems and restore dental health. The type of treatment you receive will depend on the severity of the decay and cavity. Let’s explore the various treatments available for tooth decay and cavities.

1. Fluoride Treatments: Fluoride treatments are an effective way to treat early tooth decay. Fluoride is a mineral that can help repair the enamel and prevent further decay. During this treatment, your dentist will apply a high fluoride concentration to your teeth as a gel, foam, or varnish. Fluoride will be absorbed into the enamel and help replace the minerals lost due to decay. Fluoride treatment is a quick and painless procedure that can be done during a routine check-up.

2. Fillings: Fillings are the most common treatment for cavities. During this procedure, your dentist will remove the decayed tooth tissue and clean the area thoroughly. Then, they will fill the cavity with a filling material, such as amalgam, composite resin, or gold. The filling material will restore the tooth’s shape, function, and strength. Fillings are a simple and effective way to treat cavities, and the procedure is typically done in one visit.

3. Root Canal: If the decay has reached the pulp (inside the tooth), you may need a root canal. During this procedure, your dentist will remove the infected pulp and clean the inside of the tooth and root canals. After cleaning the tooth, The dentist will fill it with a temporary filling, and they will ask you to come back for a permanent filling or a crown. A root canal is a more invasive procedure than a filling, but it is necessary to prevent the spread of infection and save the tooth.

4. Extraction: In severe cases, extraction may be the only option when the tooth is beyond repair. Your dentist will remove the damaged tooth from its socket during this procedure. After the extraction, you may need a bridge or implant to replace the missing tooth. If the gap is left untreated, the surrounding teeth may shift, causing problems with your bite and jaw alignment.

In conclusion, tooth decay and cavities are common dental problems that can be treated effectively and adequately. If you suspect that you have tooth decay or cavities, it is essential to schedule an appointment with your dentist immediately. Your dentist will examine your teeth, determine the severity of the problem, and recommend the most appropriate treatment to restore your dental health. Remember, early detection and treatment of tooth decay and cavities can prevent more severe dental problems in the future.

The Importance of Dental Insurance in Maintaining Good Oral Health and Treating Dental Decay

Dental insurance can be a valuable resource in maintaining good oral health and treating dental decay. Policies typically cover a wide range of dental procedures, from routine check-ups to significant treatments like root canals and orthodontics. Dental insurance gives you financial security in the event of unexpected dental expenses, which can substantially burden your budget.

When it comes to treating dental decay, dental insurance can help offset the cost of treatment. The cost of treating dental decay can vary depending on the severity of the decay and the type of treatment needed. For example, if the decay is caught early, it may only require a simple filling, which can be relatively inexpensive. However, if the decay is advanced, it may require a more complex procedure, such as a root canal or crown, which can be more costly.

Having dental insurance can help you avoid the high out-of-pocket costs of dental decay treatment. Dental insurance policies typically cover a significant portion of the cost of treatment, reducing your financial burden. This means you can get the treatment you need to maintain good oral health without worrying about the price.

Moreover, dental insurance can help you maintain good oral health by covering the cost of routine check-ups and cleanings. By visiting your dentist regularly for check-ups and cleanings, you can catch dental issues early before they become more severe and costly. Dental insurance policies typically cover the cost of these preventative procedures, ensuring you can maintain good oral health without worrying about the price.

Dental insurance can be valuable in maintaining good oral health and treating dental decay. Dental insurance gives you financial security in the event of unexpected dental expenses and access to routine check-ups and cleanings to prevent dental issues from becoming more severe and costly to treat. So, if you want to ensure your oral health and reduce the financial burden of dental expenses, consider getting dental insurance today.

In conclusion, tooth decay is a common dental problem that can lead to various dental issues such as toothache, tooth sensitivity, and white or brown stains on the surface of a tooth. Preventive measures such as brushing and flossing regularly, eating a balanced diet, and visiting your dentist for routine check-ups can help maintain good oral health and prevent tooth decay. Dental insurance can also provide financial security and peace of mind, covering you and your loved ones against unexpected dental expenses. If you’re experiencing any dental problems, it’s essential to seek the advice of a dental professional and get the necessary treatment to avoid more severe dental problems in the future.

Posted by carol | in California Dental Insurance, Careington Dental Plan, Dental Insurance California, Dental Plan California, Individual Dental Insurance, Supplemental Dental Insurance | Comments Off on Preventing Tooth Decay: Understanding Symptoms and Signs of Cavities

Understanding Tooth Decay: Causes, Prevention, and Tips for Good Oral Hygiene Practices in Infants

May. 6th 2024

Tooth decay, also known as cavities or caries, is not just a common chronic disease among children in the United States; it’s a condition that significantly disrupts their daily lives. Cavities that are left untreated can cause severe pain and infections, impairing children’s ability to eat, speak, play, and learn. This is a matter of great concern and urgency, as it directly affects the quality of life of our little ones. 

Poor oral health can lead to missed school days and lower grades in children. Shockingly, more than half of children aged 6 to 8 have already had a cavity in at least one of their baby (primary) teeth, and more than half of adolescents aged 12 to 19 have had a cavity in at least one of their permanent teeth. Furthermore, children from low-income families aged 5 to 19 are twice as likely to have cavities (25%) compared to children from higher-income households (11%).

Fortunately, cavities are preventable. Fluoride varnish, for instance, can prevent one-third (33%) of primary (baby) teeth cavities. Children living in communities with fluoridated tap water have fewer cavities than those without water. Similarly, children who brush their teeth daily with fluoride toothpaste are less likely to develop cavities. Additionally, dental sealants can prevent cavities for many years. Applying dental sealants to the chewing surfaces of the back teeth can prevent 80% of cavities, offering a significant ray of hope in cavity prevention. These measures are not just effective, but they also empower us to protect our children’s oral health.

If you’re interested in learning more about children’s oral health and how to prevent tooth decay, I encourage you to visit our blog page. It’s a comprehensive collection of materials and information on this vital subject.

What is Tooth Decay?

Tooth decay is a common dental problem when the enamel, the hard outer layer of your teeth, gets damaged. The action of bacteria in your mouth that produce acids and attack the enamel is the leading cause of this damage. If left untreated, this can lead to the formation of cavities or dental caries, which are holes in your teeth. Some common signs of tooth decay include toothache, sensitivity to hot or cold foods, and visible holes or pits in the teeth. Tooth decay can be a painful and uncomfortable experience, and if it progresses, it can cause infections and even tooth loss. Therefore, taking good care of your teeth and maintaining good oral hygiene to prevent tooth decay and other dental problems is essential. Brush your teeth twice daily with fluoride toothpaste, floss regularly, and visit your dentist for regular checkups and cleanings. By taking these steps, you can help ensure your teeth remain healthy and decay-free for years.

Causes of Tooth Decay

Understanding the root causes of cavities is crucial to maintaining good oral health. Our mouths are home to many bacteria, some beneficial to our health, while others can be detrimental, specifically those that play a role in tooth decay. These harmful bacteria combine with our food to form a sticky film known as plaque. Plaque is a colorless, sticky film that constantly forms on our teeth. It contains bacteria that feed on the sugars in the food we eat. As the bacteria feed, they produce acids that can gradually erode the minerals in our tooth enamel, leading to tooth decay.

The bacteria present in plaque feed on sugars and starches found in our food and drinks, producing harmful acids that can gradually erode the minerals in our tooth enamel. This is why a balanced diet, low in sugary and acidic foods and drinks, is crucial in preventing tooth decay. As a result, the tooth structure weakens, leading to the formation of tiny holes or cavities. If left untreated, these cavities can grow larger and cause significant damage to the tooth.

If plaque is not removed regularly by brushing and flossing, it can harden into tartar over time, making removing it much more difficult. Tartar buildup can also lead to gum disease, causing irritation, inflammation, and bleeding.

Thus, good oral hygiene practices, including daily brushing and flossing, are essential to prevent plaque formation and reduce the risk of tooth decay and gum disease. Regular dental checkups and professional cleanings are also crucial for detecting and treating any dental issues early on before they worsen. Following these simple steps, you can keep your teeth and gums healthy and enjoy a beautiful smile for years.

5 Tips to Ensure Good Oral Hygiene Practices in Infants and Protect Their Teeth from Decay

Ensuring good oral hygiene practices in infants is essential for preventing tooth decay. As a parent or caregiver, you play a crucial role in this. Here are some tips to help you protect your baby’s teeth:

1. Wipe Gums Twice Daily: Use a soft, clean cloth to wipe your baby’s gums twice a day—once in the morning after the first feeding and then right before bed. Wiping baby gums will help remove bacteria and sugars that can cause cavities.

2. Start Brushing When Teeth Come In: As soon as your baby’s teeth come in, brush them twice daily with a soft, small-bristled toothbrush and plain water. Brushing will help to remove any food particles and plaque buildup that may cause tooth decay.

3. Visit the Dentist Early: Visiting the dentist with your baby by their first birthday is not just a recommendation, it’s a proactive step towards ensuring their oral health. A dental visit at this early stage can help to detect any signs of problems early and prevent them from worsening, giving you the knowledge and power to protect your child’s teeth.

4. Consider Fluoride Varnish: Talk to your dentist or doctor about applying fluoride varnish to your child’s teeth as soon as the first tooth appears. Fluoride strengthens tooth enamel and protects against tooth decay. The application of fluoride varnish is a simple and painless procedure. The dentist or doctor will apply a thin layer of varnish to the teeth using a small brush. The varnish will harden quickly, forming a protective coating over the teeth.

5. Fluoride Toothpaste for Children Over 2: Brush your teeth twice daily with a small amount of fluoride toothpaste for children over 2. However, for children younger than 2, consult your doctor or dentist about fluoride toothpaste.

By following these simple practices, you can help your baby grow up with healthy teeth and avoid tooth decay’s painful and costly consequences.

Preventing Tooth Decay in Children: Tips for Good Oral Hygiene Practices and More

Tooth decay is a common problem that affects many children, and if left untreated, it can lead to severe pain and infections, impacting their daily lives. Poor oral health can cause missed school days and lower grades, making it essential to take measures to prevent tooth decay in children.

One of the most effective ways to prevent tooth decay is to encourage good oral hygiene practices in children. Brushing their teeth twice daily with fluoride toothpaste is crucial in maintaining good oral health. However, it is essential to help your child brush their teeth until they have good brushing skills.

If your child is younger than 6, watching them brush their teeth is essential. Make sure they use a pea-sized amount of toothpaste and spit it out rather than swallow. Spitting will help prevent the ingestion of too much fluoride, which can cause fluorosis, a condition affecting teeth’ appearance.

Dental sealants are another great preventative measure to protect your child’s teeth. These are thin coatings applied to the chewing surfaces of your child’s molars, where most cavities occur. The dental sealant is a painless and quick procedure. The dentist will clean the tooth, apply a special gel on the chewing surface to make it rough, and then apply the sealant. The sealant is then hardened with a special light, forming a protective shield over the tooth. The dental sealant acts as a barrier to prevent food and bacteria from getting stuck in the crevices, making it easier to clean the teeth.

Drinking tap water that contains fluoride is also an effective way to prevent tooth decay. Fluoride is a mineral that helps strengthen tooth enamel, making it more decay-resistant. Most public water supplies contain optimal fluoride levels, so encourage your child to drink tap water instead of sugary drinks.

In addition to these preventative measures, scheduling regular dental checkups and professional cleanings can help detect dental issues before they worsen. Your child’s dentist can also advise on maintaining good oral health and preventing tooth decay.

Following these steps can help ensure your child’s teeth remain healthy and decay-free for years. Remember, prevention is always better than cure, and taking preventive measures now can save your child from significant pain and discomfort later on.

Oral Health During Pregnancy: Tips to Protect Your Teeth and Your Baby’s Health

Maintaining good dental health is crucial during pregnancy, not just for the mother but also for the baby’s health. Pregnancy causes hormonal changes in the body that can increase the risk of developing gum disease and cavities. Poor oral health during pregnancy can also lead to premature birth, low birth weight, and even developmental issues in the baby. Therefore, following these steps to protect your teeth and maintain good oral health during pregnancy is essential.

Firstly, doctors consider it safe for pregnant women to visit a dentist and recommend scheduling a dental checkup before delivery. During the checkup, the dentist can identify and treat any dental issues early on before they worsen. They can also provide advice on maintaining good oral hygiene during pregnancy.

In addition, regularly brushing your teeth helps eliminate plaque and guards against tooth decay. Use a soft-bristled toothbrush and fluoride toothpaste to brush your teeth gently. Brush for at least two minutes, covering all surfaces of your teeth, including the front, back, and top.

Thirdly, flossing is equally important to remove food particles and plaque between your teeth, which a toothbrush cannot reach. Flossing can also help prevent gum disease, common during pregnancy due to hormonal changes. Use a floss threader or interdental brush if you have braces or dental work.

Additionally, morning sickness is a common symptom during pregnancy that can lead to vomiting. Vomiting exposes teeth to stomach acid, eroding tooth enamel. After vomiting, rinse your mouth with one teaspoon of baking soda mixed with a glass of water. Rinsing your mouth will help neutralize the stomach acid and protect your tooth enamel.

In conclusion, maintaining good dental health during pregnancy is essential for both the mother and baby’s health. Following these steps can help you protect your teeth and maintain good oral hygiene during pregnancy. Remember to see a dentist, brush your teeth twice daily, floss daily, and rinse your mouth with baking soda if you have nausea.

Understanding the Cost of Dental Fillings: Amalgam, Composite, and Gold Options Explained

The cost of dental fillings can vary based on the type of material used and the size and location of the cavity. Amalgam fillings, typically made of a mixture of metals, are generally the most affordable option, with prices ranging from $20 to $200, depending on the filling size. However, it’s important to note that this price usually only covers one or two surfaces of the tooth.

On the other hand, composite fillings, which are made of tooth-colored resin material, are usually more expensive. Prices start around $250 for one or two surfaces of the tooth. If the filling needs to cover three or more surfaces, the cost can increase significantly, reaching $450 or more.

Gold fillings are the most expensive option, ranging from $250 to $4500, depending on the size and placement of the filling. While they are very durable, they are not commonly used due to their high cost.

It’s essential to remember that dental insurance can help offset the cost of fillings. The cost of amalgam fillings may be covered entirely by insurance, while composite fillings may require a co-pay or out-of-pocket expense. It’s also worth noting that insurance costs can vary based on the company used and the specific plan in place. It’s always a good idea to check with your insurance company before agreeing to any treatment plan, as this can save you time and hassle in making cost-based decisions.

NYU Study Finds Silver Diamine Fluoride as Effective as Dental Sealants in Preventing Tooth Decay in Children

A recent study by researchers at NYU College of Dentistry has revealed significant findings about the effectiveness of silver diamine fluoride (SDF) in preventing tooth decay. Researchers found that this affordable, cavity-fighting liquid is as effective as dental sealants in school cavity prevention and treatment programs. The study, published in JAMA Pediatrics and tracking over 4,000 elementary school students for four years, suggests that SDF could be a game-changer in increasing access to dental care while significantly reducing costs, a potential boon for policymakers.

Dental cavities are a common chronic disease among children and can lead to pain, missed school days, and lower academic performance. To prevent cavities – especially among children who may not have regular access to dental care – the Centers for Disease Control and Prevention (CDC) recommends using school sealant programs. These programs involve dental professionals visiting schools to apply a thin, protective coating to the surface of teeth that hardens and safeguards against decay.

SDF has emerged as another effective treatment for fighting cavities. Initially approved by the FDA for treating tooth sensitivity, the solution is brushed onto the surface of teeth, killing decay-causing bacteria and remineralizing teeth to prevent further decay. The liquid is quicker to apply and less expensive than sealants, making it a promising alternative.

According to Richard Niederman, a professor of epidemiology and health promotion at NYU College of Dentistry and the study’s senior author, “A growing body of research shows that SDF can prevent and arrest cavities, reducing the need for drilling and filling.”

The researchers found that SDF and sealants prevented roughly the same number of cavities over four years. Moreover, both treatments reduced the risk of decay at each follow-up visit. This indicates that SDF is just as effective as sealants in preventing cavities.

While the adoption of SDF for cavity prevention and treatment in schools can lead to significant cost savings for families and healthcare systems, the success of such programs hinges on the availability of health professionals. The NYU researchers discovered that children who received SDF from dental hygienists and registered nurses had similar outcomes, suggesting that nurses, including school nurses, could be instrumental in cavity prevention programs.

As Ryan Richard Ruff, associate professor of epidemiology and health promotion at NYU College of Dentistry and the study’s first author, noted, “Our results suggest that nurses can effectively provide this preventive care, which could dramatically improve access, given the role of school nurses and the size of the nursing workforce.”

It’s important to note that this research was funded by the Patient-Centered Outcomes Research Institute (PCS-160936724). The study’s findings are particularly relevant as they align with the CariedAway cavity prevention model, currently being implemented in three New Hampshire school districts with the support of Northeast Delta Dental.

Source: ScienceDaily

CaliforniaDentalInsurance.com – Your Comprehensive Online Resource for Dental Insurance Plans in California

CaliforniaDentalInsurance.com is a comprehensive online resource that offers a wealth of information on dental insurance plans available in California. We understand the importance of having access to quality, affordable dental care, and our mission is to help you find the right dental insurance plan to meet your needs.

We provide a platform to compare dental insurance plans offered by leading insurance providers in California. Our user-friendly website lets you browse plans, compare benefits, and get quotes in minutes. We also provide articles and resources to help you understand the ins and outs of dental insurance so that you can make an informed decision about your dental health.

Everyone deserves access to affordable dental care, so we work hard to offer a wide range of dental insurance plans that cater to different budgets and needs. Whether you’re looking for an individual or family plan, we have options that include preventive care, basic services, and major services like crowns and root canals.

At CaliforniaDentalInsurance.com, we are committed to helping you find the best dental insurance plan that meets your needs and budget. Our team can always answer any questions and guide you through your dental insurance options. Get started today and find the right dental insurance plan for you and your family.

If you have any dental insurance questions or want a free quote, we’re here to help. Our team of knowledgeable professionals is available to assist you in finding the right dental insurance plan that meets your needs and budget. Call us at 310-534-3444, and we’ll happily answer any questions and provide you with a no-obligation quote. Dental care can be costly, but having the right insurance plan can help you save money and maintain good oral health. Don’t hesitate to contact us today and take the first step towards getting the dental insurance coverage you need.

Posted by carol | in California Dental Insurance, Dental Insurance California, Dental Plan California, Individual Dental Insurance | Comments Off on Understanding Tooth Decay: Causes, Prevention, and Tips for Good Oral Hygiene Practices in Infants

California Dental Insurance on Dental Discount Plans.

Apr. 29th 2024

Question: It has been challenging to make ends meet when I have no dental insurance and a tight budget. Despite wanting to prioritize my oral health, the cost of dental care has been prohibitive, leading to me putting off my routine check-ups and cleanings. Unfortunately, this led to more significant problems that got untreated and worsened over time. 

Recently, after delaying my visits to the dentist due to financial constraints and pandemic-related disruptions, I was informed that I require several fillings, a root canal, and a crown. However, the cost of these critical dental services is too high for me to manage. My dentist has suggested that I consider obtaining dental insurance, but the premiums for coverage are steep, ranging from $50 to $85 per month. 

To find a more affordable solution, I sought advice from friends. They warned you against opting for a dental discount plan, citing concerns that the savings are not significant enough to justify the cost. Is their advice accurate, and are other options available to help make dental care more manageable and affordable?

Reply: I’m sorry to hear you’re facing financial constraints regarding dental care. It’s a common issue that many people face, and you’re understandably looking for an affordable solution.

As you’ve rightly pointed out, it’s crucial to prioritize your oral health. Delaying routine check-ups and cleanings can lead to more severe problems, as you’ve unfortunately experienced. When dental issues go untreated, they can worsen over time, leading to the need for more extensive and expensive treatments.

Regarding your question about dental insurance, it’s essential to understand the benefits and drawbacks of obtaining coverage. Dental insurance can make dental care more manageable and affordable by covering some or all of the costs of specific procedures. However, as you’ve noted, the premiums for dental insurance can also be steep, ranging from $50 to $85 per month. Additionally, some dental insurance plans have waiting periods before you can use certain services, and there may be limits on the amount of coverage you can receive.

Dental discount plans offer reduced dental service prices for a monthly or yearly fee. While there are concerns that the savings may not be significant enough to justify the cost, they’re worth considering if you’re looking for a more affordable option. Researching and comparing different dental discount plans is essential to find one that offers the services you need at a price that fits your budget.

Other options for making dental care more affordable include seeking out community health clinics offering reduced prices or on a sliding scale based on income. Consider negotiating with your dentist for a payment plan or discussing alternative, less expensive treatments.

In this post, we will break down some helpful tips that you can apply to make dental care more affordable. If you have any questions or want a free dental insurance quote, please get in touch with us at 310-534-3444 between 8 a.m. and 4 p.m., Monday through Friday. At CaliforniaDentalInsurance.com, we are always ready to assist you with finding the best dental insurance coverage that fits your budget and needs. So, feel free to contact us for any assistance you need.

What is a Dental Discount Plan, and How Can You Benefit From Having One? 

A dental discount plan is a program that offers reduced dental service prices for a low monthly or yearly fee. These plans can be more affordable than dental insurance, which may have higher premiums and waiting periods. With a dental discount plan, you can save money on most dental care services, including routine check-ups, cleanings, and more extensive procedures like fillings, root canals, and crowns. However, while the savings can be significant, they may not be large enough for someone on a tight budget. To provide an example of this, here is a short story: 

Jenny had been struggling to find affordable dental care for her family. She had heard about dental discount plans and decided to enroll in one. The plan was cheap and saved her money on routine check-ups and cleanings. However, regarding more extensive procedures like root canals and crowns, the plan’s discount was not enough to make the cost affordable for her tight budget.

Jenny was disappointed with the savings on the more extensive dental services she needed. Though the cost was reduced, it was still too costly for her to pay out of pocket. She realized that while dental discount plans can be helpful, they may only sometimes provide significant enough savings for those on a tighter budget. 

Despite this setback, Jenny continued to rely on the dental discount plan for routine dental care. She also researched other options for financial assistance, such as payment plans and charitable organizations that offer dental care services. She was determined to find a way to provide her family with the dental care they needed without putting a strain on her budget. 

In the end, Jenny found a balance between using the dental discount plan for routine care and seeking other financial assistance for more extensive needs. She learned the importance of researching and comparing options to find the best solution for her family’s dental health and budget.

This story about Jenny shows how helpful the dentist discount plan was. It was not 100 percent what she needed, and she still had to find other ways to offset her dental care costs. Though your friends are right that dental discount plans are not insurance, and the savings may not be enough in all cases however, for a plan that averages around $7.00 – $12.00 a month, the savings you receive are generally worth the plan’s cost. 

Pros and Cons of a Dental Discount Plan

Pros of Dental Discount Plans:

1. Affordability: Dental discount plans are generally more affordable than traditional dental insurance plans. Enrolling in a discount plan can save you significant money on dental services. For an individual, the monthly cost, on average, runs around $7.00 – $12.00. 

2. No Waiting Periods: Unlike dental insurance, there are usually no waiting periods before you can use the benefits of a dental discount plan. You can start saving money on dental services immediately after enrolling.

3. No Deductibles: Dental discount plans do not have deductibles. You pay the discounted rate for each service you receive without meeting a deductible.

4. No Annual Limits: A dental discount plan has no annual limit on how much you can save. You can use the benefits as often as needed without worrying about reaching a maximum limit.

5. Saving on Pre-Existing Conditions: Dental discount plans still offer savings on pre-existing dental conditions.  

Cons of Dental Discount Plans:

1. Limited Provider Networks: Dental discount plans may have limited provider networks. You may be unable to use the plan at your preferred dentist or dental specialist. In some rural areas, you may only have a dental provider in the plan if you travel many miles away, making it inconvenient to go to the dentist. 

2. Limited Savings: Though most dental discount plans offer savings on all dental care services, some may not. Some plans may only offer discounts on routine check-ups and cleanings, while others may offer discounts on more extensive procedures like fillings and oral surgery. So, reading each plan to know your savings is still essential. 

3. Cost Can Still Be a Factor: Depending on your budget, savings may need to be more significant for dental care to be affordable. 

Factors to Beware of When Buying a Dental Discount Plan:

When comparing dental discount plans, you want to review them carefully and compare some of the following factors: 

1. Hidden Fees: Some dental discount plans may have fees that you need to consider, such as enrollment fees, processing fees, or administrative fees. Read the “fine print” before enrolling in a plan. When buying the plan, these fees typically appear in the plan details or the application section.  

2. Limited Savings: Some dental discount plans may only offer discounts on a limited number of dental services. Make sure to check the plan’s coverage before enrolling.

3. Provider Networks: Make sure your dental discount plan has a provider network that includes your preferred dentist or dental specialist if you want to stay with a particular dental office.

4. Quality of Care: While dental discount plans can save you money, you should research the dentists’ quality of care in the plan’s provider network. Not all dentists are equal or provide the dental services you may need. Therefore, calling the dentist in the plan network and asking essential questions is a good idea before buying a plan. 

5. Cost: The costs of different discount plans do not vary greatly, but cost can still be a factor. Therefore, compare the costs of various dental discount plans to find one that fits your budget.

6. Customer Reviews: Read customer reviews of the dental discount plan to understand how satisfied other customers are with the plan’s benefits and provider network.

Alternative Options for Affordable Dental Care: Beyond Dental Discount Plans

As the Jenny story mentions, dental discount plans may only sometimes provide significant enough savings for more extensive dental care needs. If you are in the same situation, other options are available to help make dental care more affordable.

One option is to seek out community health clinics that offer reduced prices or sliding scales based on income. These clinics provide essential dental services at a lower cost, making it easier for those on a tight budget to access the care they need.

Another option is to negotiate with your dentist for a payment plan. Many dentists are willing to work with their patients to develop a payment plan that fits their budget. A payment plan can spread the cost of more extensive procedures over time, making paying more manageable.

Consider discussing alternative, less expensive treatments with your dentist. Sometimes, more affordable options may still effectively address your dental needs. Your dentist can provide information on different treatment options and their associated costs. Another option to ask your dentist is if you can spread out the dental care services needed. Do what has to be done immediately and defer what can be put off until you can save money to continue with the rest. 

Charitable organizations may be a good option because they offer dental care services for those in need. These organizations provide free or low-cost dental services to those in need. While their services may be limited, they can still help address your most critical dental care needs.

Finally, dental schools are an excellent option for affordable dental care. Students training to become dentists need real-life experience working with patients, and dental schools provide them with that opportunity. Licensed dentists supervise the care so you can be sure you receive quality treatment. Additionally, because students provide the services, the costs are often much lower than what you would pay at a private practice. If you’re looking for affordable dental care, it’s worth looking into dental schools in your area.

In summary, while dental discount plans can be helpful for routine dental care, they may only sometimes provide significant enough savings for more extensive procedures. If you find yourself in this situation, other options are available to help make dental care more affordable. By exploring these alternatives, you can find a solution that fits your budget and enables you to prioritize your oral health.

Affordable Dental Care with Dental HMOs: A Low-Cost Insurance Option for Tight Budgets

Dental HMOs are a tremendous low-cost dental insurance option that you should consider. These plans are generally more affordable than traditional dental insurance, with monthly costs ranging from $8.00 to $20.00 for an individual. Dental HMOs are designed to provide affordable dental care to individuals and families on a tight budget.

One key advantage of dental HMOs is that they often don’t have waiting periods or maximum service limitations. You can get the dental care you need at your plan’s effective date without waiting for a specific timeframe or worrying about exceeding your coverage limits. Additionally, you don’t have to file any claims with a dental HMO, as the covered services are pre-negotiated and laid out for you on a fee schedule. The fee schedule makes budgeting more accessible as you know your out-of-pocket costs before having any dental work started.

Another benefit of dental HMOs is that they typically cover preventative services, such as regular check-ups and cleanings, at little to no cost. Preventive care helps you maintain good oral health without paying a large sum out of pocket. Additionally, dental HMOs offer low-cost rates on more extensive procedures like fillings, root canals, and crowns.

It’s important to note that dental HMOs may restrict which dentists you can see. You’ll need to choose from a list of participating dentists in-network with your plan. However, this can be good, as it can help you find a reputable dentist who provides quality care. 

Dental HMOs are an excellent option for those looking to save money on dental care without sacrificing quality. If you want to learn more about dental HMOs and how they can benefit you, please don’t hesitate to contact us at 310-534-3444. We’re happy to provide you with more information and assist you in finding the right dental insurance plan for your needs and budget.

Dental Discount Plan Vs. Dental HMO Insurance 

Dental HMO insurance and dental discount plans are two different types of dental plans that can help you save money on dental care services.

Dental HMO insurance is a type of dental insurance plan that typically requires choosing a primary dentist from a network of participating providers. You’ll pay a monthly premium for coverage, and your primary dentist will coordinate your dental care. You’ll typically pay a copayment for services, and many preventive services may be covered at no cost to you. However, dental HMO insurance plans may restrict the types of treatments you can receive and may require pre-authorization for some services.

Conversely, dental discount plans are not insurance plans but programs that offer discounted prices on dental services. You’ll pay a monthly or yearly fee to enroll in the program and receive a discount on dental services from participating providers. Dental discount plans may offer discounts on various services, including preventive care, fillings, extractions, and more. 

One of the significant differences between dental discount plans and dental insurance is the availability of higher authority to turn to if you have problems with the plan. With dental insurance, there is usually an insurance company or regulatory authority that you can contact if you have any issues with your coverage or claims. They can help you resolve disputes and ensure you receive the coverage you’re entitled to.

With dental discounts, plans typically do not have the same level of oversight or regulation. As a result, finding a higher authority to turn to can be challenging if you need help with the plan. If you experience issues with the plan, such as disputes over the services you received or the amount you were charged, you may need to rely on the plan provider to resolve the issue.

It’s essential to do your research and choose a reputable dental discount plan provider to minimize the risk of problems arising. Look for reviews and testimonials from other plan members to see if they’ve had positive experiences with the provider. Additionally, read the plan’s terms and conditions carefully to understand what services are covered, what discounts are available, and your responsibilities as a plan member.

Overall, while dental discount plans can be a more affordable option for dental care, carefully weighing the benefits and drawbacks before enrolling is essential. Consider your budget, dental needs, and what level of oversight and support you’re comfortable with when deciding between a dental discount plan and dental insurance.

We hope these tips and insights helped make dental care more affordable and accessible. At CaliforniaDentalInsurance.com, we understand the importance of oral health and are here to assist you with finding the best dental insurance coverage that fits your budget and needs. If you have any questions or want a free dental insurance quote, please get in touch with us at 310-534-3444 between 8 a.m. and 4 p.m., Monday through Friday. Thank you for considering CaliforniaDentalInsurance.com as your go-to resource for dental insurance and assistance.

Posted by carol | in California Dental Insurance, Dental Insurance California, Individual Dental Insurance | Comments Off on California Dental Insurance on Dental Discount Plans.

Tips on Cleaning Your Dentures

Oct. 12th 2015

Here are a few helpful tips in keeping your dentures clean 

1) Rinse and brush your dentures in clean, warm water with a denture brush.

2) When cleaning dentures, be care not to brush then too hard. By brushing your dentures too hard you can cause damage to the plastic or metal parts of the dentures.

3) Brush your gums, tongue, and natural teeth with a fluoride toothpaste, before reinserting your dentures. This will help remove plaque from your teeth, stimulate circulation in your mouth, and help maintain good oral health.   After brushing, rinse with a mouthwash, to give your mouth a refreshed feeling.

4)Never try to adjust your dentures yourself. This might cause harm to your mouth or damage to your dentures.

5)See your dentist as often as advised in order to maintain your dentures as well as your oral health care.

Posted by California Dental | in Individual Dental Insurance | Comments Off on Tips on Cleaning Your Dentures

Full time College Student looking for a dental insurance plan in Massachusetts

Aug. 20th 2011

I am a Full time college student looking to get an affordable dental insurance dental plan that will help me save money at the dental office. I need a few basic dental services in order to get my teeth back in order.

I would like to get a dental plan that will make doing so more affordable but I am not finding any such dental plan. I do not want to spend to much time on line looking so can you just advise me which is the best plan you have and I will look into that one. Thank you

Posted by California Dental | in California Dental Insurance | Comments Off on Full time College Student looking for a dental insurance plan in Massachusetts

Where can you get an Inexpensive Family Dental Care Plan For Children in California

Aug. 18th 2011

I live in California and I would like to get a inexpensive dental care plan for just my six year old son. I do not have much money so right now I am only looking to get something for my son dental health care since what I do have on him does not offer any thing for dental.

 

He has only been to the dentist once and I worry that he may have cavities or something not be check up on and fixed. Can you advise if you have any dental plan that can help me afford proper dental care for my son.

Posted by California Dental | in California Dental Insurance | Comments Off on Where can you get an Inexpensive Family Dental Care Plan For Children in California

Small Businesses in Connecticut looking for an affordable dental insurance plan

Aug. 16th 2011

I run a small bakery with three non family member employees. I been calling around a few insurance companies to see about getting them some dental benefits but I am being told that four employees are too small and I need at least six to ten employees to get a group dental plan though them. Do you have any dental plan that can help me our advise on what I can do to offer them some dental benefits to my employees.

Posted by California Dental | in California Dental Insurance | Comments Off on Small Businesses in Connecticut looking for an affordable dental insurance plan

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
 

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