Dental Insurance Quote for San Pedro, Torrance, California dental care:  I been shopping on line for a while now and found your website.  I am looking for a dental insurance quote for my family.  I do not want a dental discount plan which seems to be all I can find at this point.  Can you provide a quote for dental insurance?  Family of five in the San Pedro – Torrance, California area.  Thanks

Individual Dental Insurance Quote in San Diego, California: I am going to school full time in California and and I need dental insurance.  I have my medical though my parents plan but since they do not have dental I need to get that on my own. I am not sure want to look for online and I just need a basic dental plan for preventive dental care.  I am due for my next dental cleaning in the next month and I would like to have something before my next appointment.   Can you give me a low cost dental plan quote?

Dental insurance quote for Los Angeles, California area: I need to have a new dental crown put on and do not have any dental insurance currently.  Without dental insurance I was quoted $865.00 for a new crown. This is would be hard fro me to come up with.  I would really like to get a low cost dental insurance plan that would cut the crown cost at least in half.   If  it is a good low cost plan I would continue to keep it but as of right now I am not finding anything to really help me.

California Dental Discount Plans Reviews, Looking for the best dental plan: So how do your go about comparing dental discount plan in order to find the best dental plan for you?  I mean with dental insurance they are so different you kinda have more to compare to.  However, with dental discount plans I have been seeing cost and prices are real similar.  What are some other tips I should know about dental plans and buying one?

I am currently shopping out dental insurance.  I need to get quotes on not only the cost of having a dental plan but what my cost would be for getting a crown down.  I need the best dental plan for crowns.  I know I need to have at least two.  I have an old crown that is cracked and another one that is coming off all the time.  I do not have any dental benefits and the cost of two crowns would be more then I can afford on my own.

Consult your dentist that gave you the retainer. Since you went so long with out wearing it, it may now not fit correctly. You also stated that it was made out of plastic. Plastic is porous so it retains dirt and stains. Using products that are not designed for retainers may not be a good idea either. Since a retainer is something you put in your mouth play it safe and get a new one.

What are wisdom teeth? Wisdom teeth are the last set of molars to come in the back of the jaw bone, know most commonly as the third molars.  When do wisdom teeth come in? Most people get their wisdom teeth between the ages of 15 – 25 years old. How do I know if I have wisdom teeth? If you cannot see them toward the rear of your mouth, wisdom teeth can be detected by an x-ray given by your dentist. What are the problems associated with wisdom teeth? Sometimes wisdom teeth can cause crowding of the teeth, infections, cysts, tumors, jaw and gum disease.

What is an impacted wisdom tooth? An impacted wisdom tooth is one that is entrapped completely or partially by soft tissue which can also be a cause of bacterial infections. Are wisdom teeth painful? Sometimes wisdom teeth can be painful when they are erupting through the soft tissue and can become swollen and or infected. Should I have my wisdom teeth removed? It depends on a lot of variables such as whether they are impacted and causing pain, they are growing in and moving your good teeth. It is best to contact a dentist. Keep in mind some people never have their wisdom teeth removed.  Does dental insurance cover wisdom teeth extraction? Some dental insurance plans and dental discount plans cover a portion of the cost for wisdom teeth extraction.

California encore dental plan review: I reviewed the Encore dental insurance plan, which is underwritten by Stonebridge Life Insurance Company. Encore dental is a Preferred provider organization (PPO) insurance. First let me address what a PPO is.

Encore Dental Insurance Plan Summary

A PPO plan allows a particular group of patients to receive dental care from a specific panel of dentists. The participating dentist agrees to charge less than usual fees providing savings to you the patient. If the patient chooses to see a dentist who is not designated as a “preferred provider”, that patient may be required to pay a greater share of the fee-for-service.

How the PPO Works

A group of dentists agrees to provide services at a deeply discounted rate, giving you substantial savings — as long as you stay in their network. Unlike the more restrictive Dental Health Maintenance Organizations (DHMO), you can go outside of network and still receive reduced dental benefits. Some typical features of these plans would be an annual dollar cap, deductibles, waiting periods, and claim forms.

About Stonebridge Life Insurance Company

Stonebridge Life insurance company, an AEGON company, is part of one of the world’s largest insurance organizations. Stonebridge offers a tradition of quality and value by striving to provide a high level of customer claims services. For over 40 years Stonebridge has been serving millions of satisfied customers. Stonebridge Life is currently A+ rated company as of 6/18/2008 (Superior 2nd of 16) for financial strength by A.M. Best Company, which is one of the most respected independent analysts of the insurance industry.

About the Encore Plans

Stonebridge has three Encore plan choices. All three of which let you choose your own dentist or pick one of their dental plan providers. Depending on which plan you select an annual maximum benefit or waiting period may apply.

California Dental Plans Review, Dental Plan Decisions, Choosing the right plan: The dental plan decision making process is not an easy task when purchasing coverage for yourself, family, business, or your employees. There are many dental plan decisions to make. Such dental insurance decisions include considering a PPO (Preferred Provider Organizations), HMO (Health Maintenance Organization), dental indemnity insurance plans, and discount dental plans.

What is PPO Dental Insurance Plans?

PPO (Preferred Provider Organizations) is a network of dentist under contact with a dental insurance company which provides special rates on dental care; but the insured has an option to choose a dental care provider outside the network of dentists.

Generally the PPO dental insurance plans are higher premiums and there are claims forms to be completed by the dental client.

What is HMO Dental Insurance Plans?

HMO (Health Maintenance Organizations) are networks of dentist under contact with the dental insurance company that offer dental services at a pre-determined rate.

With the HMO dental insurance plan, you do not have the option to choose your own dentist. However, the HMO is usually less expensive.

What is Dental Indemnity Insurance Plans?

The dental indemnity insurance plans require the insured to pay the dentist of their choice directly, and the insured will be compensated or reimbursed by the insurance company after submitting a claims form.

What is Discount Dental Plans?

A discount dental plan provides discounted dental prices through a network of dentists but is not a dental insurance company and in not an insurance dental plan and is not regulated by the department of insurance.

California Dental Insurance plans, The Benefits of Dental Insurance: Dental insurance benefits vary depending on the type of dental insurance plan.  When reviewing the benefits of dental insurance especially when selecting a dental insurance plan, keep in mind there are various policy coverage options, dental plan deductibles, co-payments, limitations, restrictions and exclusions.  It is extremely important that you read the list of benefits provided by the dental insurance provider and be sure you are getting a dental insurance plan if that is what you wanted to purchase.

A reminder discount dental plans are not dental insurance plans. A discount plan partners with specific dentists to provide customers with a savings on visits to the dentist office much the same as dental insurance. The downside to discount dental plans is that they are not regulated and you have limited recourse if you experience dental problems.

Dental Root Canal and Crown work, need dental help in California:  I live in California and I was told that my back bottom molar has a cavity that is too large to fill and I need to have a root canal and then a crown put on.  I have a very low coverage dental plan my job offers but it will not pay hardly anything for major dental care.  Is there anything thing else I can get that will help me out with the cost.  I was being quoted $1759.00 and that is with my dental insurance.  I could really use your help.

California Indemnity Dental Insurance, Traditional Fee-for-Service Plan: Indemnity dental insurance is another plan where the plan pays the dentist on a traditional fee-for-service basis.  Indemnity dental insurance is an insurance package where the policyholder can choose his or her own dentist and the insurance provider will be the one to pay that designated dentist your fees or, usually, around half of them.  This indemnity dental insurance plan allows you to select any licensed dentist for service.  An indemnity dental insurance plan is often called a traditional dental coverage plan or a fee for service plan.  You will need to pay a deductible on your indemnity dental insurance.

This type of dental plan pays the dental office (dentist) 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 the dental office (dentist) for the services rendered. An insurance company usually pays between 50% – 80% of the dental office (dentist) 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 plans also can limit the amount of services covered within a given year and pay the dentist 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 dentist
• Your average monthly cost: $35+
• Companies selling these plans are regulated by state insurance departments.

Multiflexdental.com announced today that their dental insurance indemnity plans were now available in 45 states. Indemnity dental insurance is true insurance and not a discount dental plan that is offered by most of the dental web sites on the internet. The Multiflex dental plans offer the insured good dental benefits while not having to close a network dentist. One can choose any dentist they want said Dr. David Blunt, while offering low monthly premium payments.

California Full Coverage Dental Insurance Plans: Finding the best dental plans on the internet is a difficult task and one that can easily overwhelm you.  California dental insurance web site makes it easy! Just click the quote link.

California dental care, Braces worried about white spots, Dental care for braces, stained my braces how do I clean them Dental Insurance care, can you whiten crowns.

I just got a dental insurance plan about two months ago.  I got my ID cards in the mail and I went in for my first dental appointment in the past three years.  I was really happy that I was going to finally have my teeth looked at.  Well I was told for the most part I have really strong teeth but since I have not been to the dentist is a long time I have the starting of gingivitis.   So I will be needed deep cleaning.  Which I also found out that my dental insurance plan I got will not cover me for.   That I have a year waiting period I did not know about for major dental work.

Now I have to pay out of pocket for my dental services and not sure if it is even worth keeping a dental plan that is going to make me wait a year for major dental work.

California dental care, Braces, worried about white spots:  I will be getting my braces taken off next week and I am worried I am going to have white spots.  I do brush my teeth twice a day some time three if needed and my dentist never told me I needed to brush more or better but I am still worried about white spots or having two toned teeth.