Supplemental Dental Insurance

Supplemental dental insurance is an individual or family insurance policy purchased to cover a portion of the dental costs generally up and above or beyond the primary dental plan. Supplemental dental insurance will normally not cover the entire dental care procedure. But instead is synchronized or works hand-in-hand with your basic dental policy.

If you have a primary dental insurance plan that you purchased or your employer provided, the supplemental dental policy typically covers the remaining dental bill.

For example, if the dental plan policy covers half of the dental cost, the secondary or supplement dental insurance plan should cover the remaining balance of your dental procedure subject to any co-payments or deductibles already included in the policy.

A supplement dental insurance plan may also be purchased to cover the dental charges when there are annual dental benefit plan limits or exclusions. Say your primary policy has an annual maximum benefit of $1000 you may be able to purchase a supplemental dental plan to extend this benefit.

Most importantly you need to check with your dental office to see if they will coordinate the dental coverage since the dentist is the one most likely to bill the insurance company and ask you to pay any difference or the co-pay. Thus, a supplemental policy can come in handy.

Family Dental Insurance Plans

There are a multitude of family dental insurance plans that can provide the right amount of coverage for your entire family at an affordable rate.  With a family dental insurance plan you will have access to oral surgeons, endodontists, pedodontists, periodontists and orthodontists. In addition, under an individual and family dental insurance plan basic preventative services such as teeth cleaning and oral exams are generally covered 100%.

We have posted several post about how your oral health can effect your overall health care. Many studies show a high correlation between heart attack, stroke, diabetes, bone loss and lung disease and your oral health. Take your oral health seriously, have good at home dental habits, see a dentist at least twice a year or as advise by your dentist, and have dental insurance to help keep your dental care cost low. People that have dental insurance are more likely to make and keep their dental appointments.

The fact is that your health is greatly effected by your oral health. Therefore it is important to maintain your dental health by having your Periodic oral evaluation at least twice a year at your dentist. If you have dental insurance under most plans this type of service falls under preventive care and is little to no cost to you.

Understanding the various types of individual dental insurance and family dental insurance plans is important when trying to buy the right plan for you and your family.

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.

Current research proves that up to 30% of the population may be genetically susceptible to periodontal /gum disease.  That for these people, despite having good oral care habits, they may still be six times more likely to develop periodontal disease. Being able to identifying these people with a genetic test before they even show signs of gum disease, will help them keep their teeth for a lifetime.

Question: Can I get a Dental discount plan for just my six year old son?

Answer: With our dental discount plans thought Careington and Aetna yes you can buy the plan just for your son.

As a business owner, you are facing many difficult dental insurance plan decisions. One of the decisions is buying a business dental plan. Business dental insurance plans have become essential to businesses due to the increasing benefit needs of the employees, especially when they visit the dentist.

Group business dental insurance coverage is more affordable since all the participants of the plan are under one policy normally paid by the employer. Offering dental insurance to employees can aid in the employer recruitment and retention.

Studies indicate that supplemental employee benefits such as dental insurance can help retain high quality employees. The cost for business dental insurance will very, depending on the number of employees, the plan specifications, employee contributions, and the cost limitations you specify with your dental insurance agent.

Question: Looking for the best lowest cost insurance plan for a couple. What do you suggest?

Answer: For lower cost insurance plan I would suggest looking out our HMO dental insurance plans though PrimeCare and California Dental. Their cost rage as low as $12.00 a month and as high as $29.00 a month. If you have any questions about any of of dental insurance plan options in California, please call member services at 310-534-3444.

Question: My dentist is a provider of any of the Delta Dental of California plans. What I want to know is the Maximum Limitation the amount I have to pay or what the company pays?

Answer: A maximum limitation is the dollar amount that the insurance company will pay for dental claims made in a given year.

Many of our family dental insurance plans provide access to more than 80,000 providers nationwide and include professional dentists located near your home.  Family dental care doesn’t have to cost an arm and a leg.  Family dental insurance will protect a family’s oral health and insure that trips to the dentist do not painfully affect the your wallet.

Family insurance dental plans are the greatest way to make sure healthy kids with great smiles and a strong mouth and teeth.  Family dental insurances include great benefits and coverage that includes everyone in your family.  Family members For most dental insurance plans are discussed in your household children under 18 years.  Family dental insurance for better oral health is a key aspect that creates a feeling of bond between the family members and is one of the most popular supplemental options for overall medical insurance policies.

What are Dental Sealants: Dental sealants are a plastic material applied to the back surfaces of the teeth to help prevent cavities.
What are the costs of dental sealants?

Cost of Dental Sealants: Dental sealants cost approximately $25-$49 per tooth but this can vary depending upon the geographic area in which you live in and the type of dentist you visit.

Question: What is the best dental insurance in California?

Answer: There is no one best dental insurance plan because best for you by not be best for someone else and vice versa. However with that said our member service line at 310-534-3444 would be able to go over your dental needs and help you pick the best plan that fit those needs. Just give us a call and we be happy to assist you.

Children and Dental Sealants.

Dental sealants are important for children since they protect the top surface of the molars where pits and fissures are more prevalent and are susceptible to bacteria by getting trapped in the pits and fissures of the tooth which leads to the onset of cavities.

The plastic material / dental sealant covers the top surface area of the molar. Your dentist needs to be consulted before you have any dental work done on children to ensure they are receiving the proper dental health care.
 

When you are in search of a cosmetic dentist do not be shy to ask the dentist to show you some before and after photos of his/her patients. It will help you make an idea about the final result you are going to get with that very doctor. It will also be a great signal to your dentist which will warn him that you are a person who values time and money, and seeks for quality.

More and more families in California are working to be and stay healthy. Which means dental and oral health care is being taken more seriously, since links are showing that your oral health effects your overall health care. Having dental insurance in California helps you to not only save money on the cost of maintaining your dental health but studies suggest that people with dental insurance visit their dentist at least twice a year or as directed by their dentist.

Question: I looking at the California Dental Insurance plan 595, how do I know if my dentist is a network provider of the plan?

Answer: When reviewing the California Dental insurance plan 595 you want to click on the link to review plan detail. From there you will see the link to find a dentist. Click on that link to check and see if your dentist is a provider. Or maybe a more easier way is to call your dental office up and ask them if they are a provider of the California Dental plan 595. If you need further help you can also call our member service line at 310-534-3444 as we be happy to help

Widely Adopted Private Insurance

Individual dental insurance is probably one of the most widely adopted private insurance types.  It is our pledge to provide individuals and families with the easiest way to compare and purchase affordable, quality family and individual dental insurance and discount protection.  Choose from a wide selection of family and individual dental insurance plans.

Even if you have dental insurance through your group health insurance plan or as a supplement to your individual health insurance, you should consider comparing the rates and coverage you currently receive against a stand-alone individual dental insurance plan.

Under dental PPO insurance plans many come with a deductible, such as 50.00 per person per calendar year. (Although the deductible will very depending on the plan) A deductible is the dollar amount you need to pay before plan benefits start.

When reviewing PPO plans some PPO plans increase their benefits each year you continue to have the plan. You will see this as first year, second year and sometimes third year benefits. It is important to understand you do not get the best benefits under the plan until the last year shown under this type of coverage.