California has a new dental insurance website: IndividualDentalInsuranceCalifornia.com — This is some of the information they posted on the website. Individual Dental Insurance California Plans, California Individual Dental Plans, Individual Discount California Dental Plans, California Dentists: Dental insurance is divided into two categories, individual dental insurance and family dental insurance. If you are a self-employed person and have had the misfortune of visiting a dentist, you will immediately realize the importance of buying individual dental insurance coverage.  Today there are several companies throughout the USA offering other types of  dental plans as opposed to the individual dental insurance.

• Many people suffer from dental problems and have to spend considerably for treatment.  If you have heard of California dental plans, you may wonder why this option is better than other dental plans.  If your employer does not provide it, an individual dental insurance plan is something that you should consider purchasing.  There are many reasons why you may need to purchase supplemental dental insurance.  Don’t wait until you already have problems with your teeth to get dental insurance.

Dentists who participate in discount dental plans provide services at 30% or more below retail prices.  Once you know what you want-co-pay amounts, PPO, HMO, discount plan, family plan or individual coverage-it’s time to find a California dental insurance provider. California is also known for its climate, which is diverse in nature, state also witness’s divergent population living in California, having 58 counties in all.

California is well endowed with terms of dental insurance companies.  California dental plan provides you with dental discount plan, these plans are not insurance plan, here you can visit your participating dentist almost immediately and can save a hand full of money on your over all dental care procedures.  If you have heard of  Individual California dental plans, you may wonder why this option is better than other dental plans.  Finding low cost dental insurance in California is one part of the battle, but you also need to find the right fit PPO or HMO and family dental insurance in California vs. Dental insurance companies in California will design discount plans for groups, families and individuals.

So I have an PPO dental insurance plan that I get though my job.  It has a 1500 year max limit and for majors only covers out 50%.  I was shopping dental insurance and notice that my dentist is listed on this HMO plan I saw.  It looked really good because the crown I need is only $380.00 and my dentist charges $700.00 for the crown. With my current insurance plan that would leave me with $350.00  but if the dentist uses the HMO plan at $380.00 and bills that off to my current policy then I would only have to pay $190.00 making it well worth the cost paying for the HMO insurance plan he takes.   Can I do this ?

The Best Dental Insurance Plans – How Much Can You Afford to Spend

This brief article will help you in selecting the best dental insurance and the discusses the analysis of dental care needs in order to find the best dental insurance for you.  You need to ask yourself several questions about your potential dental care – How much can you afford to spend on dental care?  What is the best dental insurance plan for me? What is the best dental insurance plan for me?

The best dental insurance policies offered will depend upon a family and its members’ oral health needs.  If the best dental insurance available is not offered through an employer or group health policy, then discount coverage should be researched.  The best dental insurance will be dependent upon employment, local dentists participating in programs, and current needs.  It will be one that fits your family’s needs and budget.  Finding the best dental insurance plan that fits your needs is an important part of ensuring that your teeth get the care they need to stay healthy.  Compare plans, instantly get no-obligation dental coverage quotes and sort through the best dental insurance plans until you find the perfect coverage when you visit InsuranceCompany.com.

Individual and Family Dental Insurance – Customer Service Department

Our customer service department is ready to assist you with any questions you may have and help you purchase an employer, family or individual dental insurance plan today.  We provide access to many of the largest, most recognized individual dental insurance networks in the nation.

InsuranceCompany.com is a specialist in dental insurance, dental discount plans, vision and prescription coverage programs for individuals, families and groups. We have been serving the dental community since 1983, you will find our licensed dental insurance agents are well informed and ready to assist you. Compare dental insurance plans and decide which one is right for you and your family.

Many of our dental plans have next day benefits including vision and prescription. InsuranceCompany.com offers quotes for individual and family dental insurance plans including an option to compare dental national coverage plans. Remember, buying dental insurance does not have to be a painful process. We offer dental benefit coverage in all 50 states.

This is the plan where you choose your own individual or family dentist. The dental insurance plan pays the dental office on a traditional fee-for-service basis. A monthly premium is paid by the client and/or the employer to an insurance company, which then reimburses them for the services rendered.

A dental insurance company usually pays between 50% – 80% of the family or individual dental office fees for a covered procedures; the remaining 20% – 50% is paid by the client. These plans often have a pre-determined or set deductible amount which varies from plan to plan. Indemnity dental plans also can limit the amount of services covered within a given year and pay them based on a variety of fee schedules. Some typical features of these plans:

• High deductibles before coverage begins (well-designed plans don’t apply the deductible to preventive services)
• Probationary periods on certain procedures that last up to a year
• Annual dollar limit on benefits
• Chose your own individual or family dentist
• Your average monthly cost: $15 and up
• Companies selling these plans are regulated by state insurance departments.

Finding the right value in individual dental insurance or dental plans is an important step in purchasing dental coverage for you and your family.  Both types of individual dental insurance plans have advantages and disadvantages and one size does not fit everyone. Keeping this in mind is an important rule when you shop for the dental plan that best fits your needs.

We sell both individual and family dental insurance and dental discount plans throughout all 50 states. Here are some brief examples that may help you decide even in an emergency. This is helpful since some of the dental plan services are free which is good for you and your family.

Buying individual dental insurance or family dental plans does not have to be a painful process because most dental insurance plans offer low cost monthly payment options with immediate or next dental coverage. InsuranceCompany.com a dental specialist in individual dental insurance and affordable low monthly family dental insurance and dental discount plans, vision and prescription coverage programs. We have been serving the dental insurance community since 1983, you will find our licensed dental insurance agents ready to assist you.

So what I am wanting to know is if Obama health care includes dental care too.  I have not seen a dentist in years just because it was always too expensive for me to go.  However if Obama’s health care is going to offer free dental services as well as health I will be able to see the dentist.   I would love to go to the dentist since I know I need dental work done.  If Obama’s health care offers dental I will finally get the dental help I need once the health plan for starts in.

I feel like a rock in a hard place right now.  I have dental insurance that I just go though work but it has a year waiting periods for all the dental services I currently need to get.   I can not afford the dental work without dental insurance picking up some of the cost yet I can not continue not having the dental care for another year.   What can be done?

Comment:

Try Picking up an HMO dental insurance plan in the interim. They normally are low cost plans that do not have the long term waiting periods.

I went to the dentist the other day and I had no cavities which I though was good since I have not seen a dentist in many year prior to this point.  I was told by the dentist that I do have gum disease and that I need to see a Periodontist. Why so I need to see a Periodontist?  I am not too sure what that is but I am guessing it has to do with my gums.  Why can not the dentist just do a deap cleaning that I thought you would get when people have gum issues.   I do not have dental insurance and I know if I go to one of those Periodontist people it will cost me way more then I can afford.   Is it really all that important that I go?  After all my teeth are just fine and my gums do not hurt me.

Comment:

Whether or not you go to a Periodontist ( a dentist that is a specialist in treating gum disease and gum issues) is up to you. Most times general dentist are not going to refer you off to a specialist unless they really think you need to go to one.  Why would they not want your business. Deep cleaning even with dental insurance is still costly. However you can always get a second opinion. See if another dentist feel you need to see a Periodontist and then make up your mind if that is what you want to do.

Affordable dental insurance plans from an HMO have a limited pool of dentist to select, but it is a more affordable insurance plan. If you are self employed and looking for a more affordable dental plan, a discount dental plan may be an alternative.  Discount dental plans are not dental insurance plans. A discount plan partners with dentists to provide customers with a savings on visits to the dentist office. The downside to discount dental plans is that they are not regulated and you have limited recourse if you experience dental plan problems.

Affordable Dental Plans

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

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

Affordable Dental Plans – Where to Buy

You can obtain quotes for more affordable dental insurance plans from companies online and through your local insurance agent or broker. Please keep in mind that there are many web sites who give the appearance of selling dental insurance but instead only offer a dental discount plan which is not insurance.

Your dentist may also have affordable dental plan options available to patients.  Ask the receptionist if they partner with a dental plan company and see if one might be right for you.

Affordable Dental Plans – Other Alternatives

If you belong to a professional association, you might be eligible for a dental insurance or discount dental plan. Many associations partner with a PPO to provide their members with dental plans that offer very comprehensive insurance coverage at more affordable prices.

Finally, dental schools may offer affordable dental services. Dental schools seem to be safe, but can be inconvenient and treatment for one problem may have to be addressed in multiple office visits.

I hope this information on affordable dental plans has helped.
Dr. David Blunt

Aetna dental insurance is one of the most popular dental insurance plans around.  Aetna dental insurance also brings a great range of benefits.  Aetna dental insurance is preferred by a lot of individuals and families with a wide variety of plans to select.   Aetna dental insurance will also offer a lot of flexibility and convenience to the policy holder.  Aetna dental insurance has a reputation of a good service that promises prompt payment of all claims.

Aetna dental insurance is a very popular dental insurance that is linked with affordable and high quality dental care.  Not only this, Aetna dental insurance is also well known for its facilities to carry out online inquiries regarding status of the pending claims.  One of the good things about Aetna Dental Insurance is that they provide the best support network.  Aetna dental insurance is offers nationwide dental coverage.  You can get an instant online quote for Aetna Dental Insurance with just one step process.  Put your zip code in the zip code box to get your instant Aetna Dental Insurance Quote.

This type of dental plan is not insurance. The managing organizations have negotiated with local dental offices to establish a set price for a particular dental procedure and offer deep discounts (some up to 70%) off the regular ADA pricing code. This plan has several advantages over traditional dental insurance plans, namely, there are no exclusions for pre-existing conditions. This allows a patient to receive immediate coverage for work without meeting any waiting period requirements. How do discount dental plans work? As we become aware about our oral health, there has been a demand for affordable dental care. Discount dental plans are the newest option for those without coverage. These dental discount plans are much cheaper than traditional dental insurance, and also offer almost equal coverage for all dental work, even cosmetic procedures not covered by standard indemnity dental plans.

Another true insurance plan, a Preferred provider organizations ( PPO) falls somewhere between an indemnity plan and a dental HMO. This plan allows a particular group of patients to receive dental care from a defined panel of individual or family dentists. The participating individual or family provider agrees to charge less than usual fees to this specific patient base, providing savings for the plan purchaser. If the patient chooses to see a dental specialists who is not designated as a “preferred provider,” that patient may be required to pay a greater share of the fee-for-service.  A group of individual and family dental offices agree to provide services at a deeply discounted rate, giving you substantial savings — as long as you stay in their network. Unlike the more restrictive DHMO, though, you can go out of network and still receive some benefits. Some typical features of these plans: Monthly premiums  Annual dollar cap  You must stay within the approved network of individual or family dental providers or pay higher deductibles and co-payments  Your average monthly cost: $20 to $25  Companies selling these plans are regulated by state insurance departments.

These insurance plans, also known as “capitation plans,” operate like their medical HMO cousins. This type of dental plan provides a comprehensive dental care to enrolled patients through designated provider office. A Dental Health Maintenance Organization (DHMO) is a common example of a capitation plan. The dentistry provider is paid on a per capita (per person) basis rather than for actual treatment provided. Participating individual and family dentists receive a fixed monthly fee based on the number of patients assigned to the office. In addition to premiums, client co-payments may be required for each visit. Some typical features of these plans: Monthly premiums (some require you to prepay a year’s worth)  Co-payments for office visits  Free preventive or routine care  You must select from an approved network of that family or individual dental insurance dentists  May have an initial enrollment fee  Annual dollar cap  Your average monthly cost: $10 to $25  Companies selling these plans are regulated by state insurance departments.

These plans often have a pre-determined or set deductible amount which varies from plan to plan. Indemnity plans also can limit the amount of services covered within a given year and pay the individual or family dental offices based on a variety of fee schedules. Some typical features of these plans: High deductibles before coverage begins (well-designed plans don’t apply the deductible to preventive services)  Probationary periods on certain procedures that last up to a year  Annual dollar limit on benefits  Chose your own individual or family dentist  Your average monthly cost: $15 to $25  Companies selling these plans are regulated by state insurance departments.

This type of dental plan pays the individual or family dental office with insurance on a traditional fee-for-service basis which is helpful when deciding to buy coverage for babies, kids, young teens, and especially seniors. A monthly premium is paid by the client and/or the employer to an insurance company, which then reimburses the family or individual dental office with dental insurance for the services rendered. An insurance company usually pays between 50% – 80% of the individual or family dental office fees for a covered procedures; the remaining 20% – 50% is paid by the client.

Most of the best individual dental insurance plans require you to satisfy waiting periods and deductibles before having major and sometimes even minor restorative work done but not all of them. Best dental plans help make maintaining good oral health a lot more affordable…and, with no waiting periods or complicated coverage procedures, dental discount plans are about as simple as you can get.

Dental insurance quote for having bridge work done in San Francisco, California: Dental insurance quote for having bridge work done: I need to get dental insurance so I can have three teeth pull and a dental bridge put in.   I am not sure want dental insurance plan does bridges since all the plans I seen on line say nothing about bridge work. Can you provide me with a quote for dental insurance that offers coverages for dental bridge work?  And can you also give me an idea of cost for getting a bridge.  I really want something soon so I can fix my teeth.

Palm Springs, California Dental Care, Teeth whitening treatments:  I have yellowish teeth and I really want to have them whiten up.  However the dental insurance plan I have now does not offer teeth whitening treatments and my dentist wants $250.00 to whiten my teeth which is a little to pricey for me.  I would like to know if you offer a dental plan that can help me reduce the cost of whiten treatment.  If not can any one suggest a good teeth whiten product that I can get and do myself?  I just want something affordable and that really works.  No point in spending $50 on a teeth whitening product to save money if  it does not work.

San Bernardino, California client dental care for cavities no dental insurance: I have no dental insurance —    I just found out that my daughter has two small cavities that need to be filled.  Since I changed jobs about five months ago I no longer got dental benefits. I been wanting to get some but just kept forgetting.  When my daughter came due for her check up I figure I would pay cash.  It was a little more the I thought it would be and then I found out about the cavities.  Do you have any dental insurance plans that can help me with her current dental fillings she needs?