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 dentists
– May have an initial enrollment fee
– Annual dollar cap
– Your average monthly cost: $5 to $15
– Companies selling these plans are regulated by state insurance departments.

Many schools offer dental healthcare programs for the coming of fall and going back to school Going over the importance of brushing and flossing and the importance of their teeth to their overall healthcare.  Some school invite dentist to give a  presentation to the children in hopes to stop bad dental care habits.   If your child school does not provide such a program ask you local dentist they may have free days where they go over children dental care.

All Dental Plans have their Limitations

Today’s health insurance, including your dental plan, is designed to help you get the care you need at a reasonable cost. Because each person’s oral health is different, costs can vary widely. To control dental treatment costs

Porcelain veneers can completely transform your teeth and smile.  Porcelain veneers still remains as one of the most popular cosmetic dental treatments in the United States. Veneers can be use to fix many dental problems.  With veneers,  a dentist can control the color, position, shape, and size of your new teeth.  They also can correct crooked, worn, or chipped teeth. Ask your dentist about dental veneers to see what your options are.

When choosing a benefits plan, it is important to know who pays what to whom. Dental plans can be categorized into three types based on the compensation and treatment provided

 Dental Insurance Healthcare, DHMO Dental Network

What is a DHMO dental network? When one is insured with an HMO medical plan the term means a health maintenance organization. In the dental industry the title is similar except that the DHMO refers to a dental health maintenance organization instead. Dentist in a DHMO belong to a network and if you are a client in that network then in theory you can see any dentist within the network.

Just remember, the administrator of the DHMO or the company that manages the plan pays the dental office once a month, normally based on a per person fixed amount rate.

HMO’s Dental Insurance Plans

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 (dentist). A Dental Health Maintenance Organization (DHMO) is a common example of a capitation plan. The dentist is paid on a per capita (per person) basis rather than for actual treatment provided. Participating dentists receive a fixes 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.

 Dental health is important for maintaining clean and healthy teeth   The following tips will helps to maintain clean and healthy teeth of the best dental health.

– Brush teeth every day with a fluoride toothpaste for dental health maintenance.
– Floss your teeth every day for healthy gums and teeth.
– Limit sugary snacks.
– Get enough calcium.
– See your dentist on a regular basis for dental health care.

Based on information gathered during the 2001 American Dental Association (ADA) annual session, dentists report that oral bacteria, in some studies, have been associated with heart disease, stroke, diabetes and the birth of pre-term, low- birth- weight babies

Wisdom teeth are a valuable asset to the mouth when they are healthy and properly positioned. Often, however, problems develop that require their removal. When the jaw isn’t large enough to accommodate wisdom teeth

Dental X-rays  provide the dentist with an important tool that shows the condition of your teeth. As well as your teeth roots, jaw placement and the overall composition of your facial bones.  X-rays can help your dentist determine the presence or degree of periodontal (gum) disease, abscesses, cavities and many abnormal growths, such as cysts and tumors.  X-rays also show the exact location of impacted tooth.  X-rays are normally taken once a year, sometimes more if the dentist wants to review a problem focus area.

What is dental health insurance?

Dental health insurance is health insurance for dental care.

Question:  Does health insurance cover dental health?

Answer:    Not normally, as most health insurance plans do not provide coverage for dental care.

Question: Can I purchase individual dental health insurance?

Answer: Yes, dental health insurance can be purchased through your local insurance agent or online at CaliforniaDentalInsurance.com

Dental health is important for maintaining clean and healthy teeth.

The following tips will helps to maintain clean and healthy teeth of the best dental health.

– Brush teeth every day with a fluoride toothpaste for dental health maintenance.
– Floss your teeth every day for healthy gums and teeth.
– Limit sugary snacks.
– Get enough calcium.
– See your dentist on a regular basis for dental health care.

 Dental Insurance – Cosmetics

Cosmetic dentistry may help you to get your best smile at any age.  One of the most popular cosmetic dental procedures to a perfect smile is bonding.  Cosmetic dental bonding is a fairly painless procedure usually performed in one dental visit by applying an enamel like material to your teeth which is then shaped, hardened with a special light and polished.

For a more dramatic smile, porcelain veneers can make a drastic difference. With veneers, you can control the color, position, shape, and size of your new teeth which can correct crooked, worn, or chipped teeth. This procedure can cost between $1,200 – $3,500 per tooth.

Cosmetic dentistry insurance coverage is not afforded by most dental insurance companies. If you are with a group dental insurance company through your employer, you may want to inquire if cosmetic dentistry insurance coverage is provided under your dental plan.

Cosmetic dental coverage is normally provided by discount dental plans. Discount dental plans usually cover 15 to 20 percent of the cosmetic dental care cost.

Xylitol is a natural sweetener found in plants and fruits which was approved by the FDA as food additive. Xylitol is now appearing in sugar-free gum, mints and toothpaste. Xylitol is sweet-as-sugar and low in calories, and studies show it may help reduce and prevent cavities. Research confirms that of all factors studied, xylitol most likely inhibits the growth of Streptococcus mutans, the oral bacteria that causes cavities.

Is Dental Insurance separate from Health Insurance?

Yes, student dental insurance is a separate policy than health insurance. Student dental insurance is crucial.  Having dental insurance coverage can help insure that students take the preventative measures to maintain healthy teeth.

What dental coverage’s are available in Student Dental Insurance?

A student dental insurance plan may offer no deductible, no claim forms, no annual maximum, no pre-existing conditions, no charge for x-rays, dental exams, and cleanings.

Can I afford Student Dental Insurance?

Student dental insurance is one of the most affordable insurance plans available since a special student discount may apply. Student dental insurance is more affordable than an individual dental insurance plan

What is Student Dental Insurance?

Student dental insurance is provided to students and is generally less expensive than individual dental insurance.

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.