Are you paying too much at the dentist? can help!
May 212013

Head to HeadPurchasing dental plans for college students can be tedious although some fortunate college students are covered up to age twenty six through their parent’s group dental plan through their employer.

Those students that are not so lucky but do care about their dental health are left with only a few choices in their search for an affordable dental plan.

Is a dental insurance policy the best dental plan for someone in college?

The first place that most people look is for a dental insurance policy.  While this type of plan has its good points it has a few downsides also.  Probably the best benefit of this type of policy is your choice of the dentist you would like to go to.

The major drawback  for college students is that it is not affordable and can cost as much as $30 a month for an individual college student.  You can bet that this monthly cost is not in the budget for most students.

While a dental insurance plan does provide some free services such as a free annual exam and maybe a cleaning once a year it can be insufficient on the amount it will pay for dental procedures.  There can be a deductible plus a limit up to a certain amount like $1500 that they will pay each year.

What is the best affordable dental plan available for college students.

Taking this into consideration plus there is usually a waiting period for certain procedures and considering the monthly premium most college students will probably want to look for a more affordable dental plan.

Even though affordable dental plans for college students are hard to find a good option that any college student should consider is a dental discount dental plan.

It is very affordable for an individual starting as low as $79 a year.  That’s $79 a year not a month so that’s a substantial savings as compared to $30 a month for an individual dental insurance plan.

One of the positive things about the discount dental plans is there is no waiting period and your dental card is sent to you the same day.  That means if you have a toothache you can schedule an appointment with the dentist right away.

One difference between the two plans we are discussing is your choice of dentists.  While some dental insurance plans will allow you to go to any dentist of your choice a dental discount plan will give you an ample choice of dentists in your area to choose from.

The discount dental plan has no deductibles and it is set up to give you generous discounts on all the dental procedures in the plan.  So money wise which plan will give you the best choice for your budget?

The discount dental plan can be the best choice if you are in college and on a budget. 

The bottom line when purchasing dental plans for college students whether it be a dental insurance policy or a discount dental plan each must be evaluated in light of the amount of money the plan will cost as compared to the actual dental benefits you receive from the dental plan.

Taking this into account my recommendation for college students is the discount dental plan.  If you take a look here you can do your search for the dentists and the plans in your area that will fit your budget.



Mar 312013

dentist wkg in mouthAre you looking for an affordable dental plan to help pay for your visits to the dentist?  If so what would be the first thing that you would look for in a dental plan.  If you are like most people the answer would probably be is it affordable.

What would you expect to pay for this type of dental plan?

If you could find a dental plan as low as $79.95 a year for an individual and $129.95 a year for a family would you think that plan would be reasonably priced.  Actually these are great rates for families and individuals that are serious about getting quality dental work on an affordable basis.

You can get these types of rates with a discount dental plan.

In recent years dental discount plans have become popular because of their affordability.  It may be your most cost effective method of going to the dentist.  They are set up on the premise that instead of paying a deductible like dental insurance you get a preset percentage savings on dental procedures.

These are some of the benefits you will receive.

  • No waiting periods for pre-exiting dental conditions.
  • No age limits.
  • Receive your dental card in one to three days.
  • No claim forms to file.
  • Numerous dentists to choose from in your area.
  • Generous discounts on dental procedures.
  • Orthodontics and cosmetic dentistry covered on some plans.

Look at some examples of savings on procedures that are available to you.

You can do a free online search through this website to look through over thirty different discount dental plans.  All have different features such as the dentists available to you in your area, discounts on dental procedures, and of course the affordable price of the plan.  Some even offer some free services.

For example I did a search and was drawn to a plan that actually offered five free services.  I was reading through the discounts offered on the dental procedures and I took a look at a molar root canal treatment since I had one done several years ago.

The cost for this procedure runs around $1,170 but the member would only pay only $428 that’s a great savings of $742.

Another dental procedure that caught my eye was a single metal crown with a typical cost of $1227 but the member would pay only $534 for another substantial savings of $693 to the member.

As you can see with discounts like these on dental procedures and many more that are listed you could save a bunch of money on your dental visits. But you should probably take a look for yourself at the discounts offered by each plan.

All you have to do is to go here to start your search for an affordable dental plan.



Jul 242011

There are four types of personal dental plans you should consider before you make a decision to make this important purchase for you or your family.  Each plan is different in the benefits you will receive and the cost could vary greatly.  

1.  The type of plan most us are familiar with has a deductible that you must pay out of your pocket for dental services before the plan will pay anything toward your bill.  Sometimes a co-insurance of ten to twenty percent can be added to the deductible.  This plan is commonly known as an indemnity or a traditional plan.

A positive aspect of the traditional plans is there is a large group of dentists that you can choose from.  A downside that you should consider is the traditional or indemnity plans can be expensive when you consider the cost of the insurance coverage and added to that you have your out of pocket deductible expenses.

2.  A dental PPO plan is one of the personal dental plans that is different from traditional dental insurance in that you have less freedom in your choice of a dentist.  Your dentist will belong to a group of dentists that have agreed to accept reduced fees for their services. 

The PPO plan should be more affordable than the traditional plan in that with the PPO you are only responsible for a small deductible or co-pay at the time of your visit.  Another plus with the PPO is that you can schedule an appointment with a dentist out of the network.  If you decide to do this it is important to remember that dental appointments out of network are subject to a deductible and you will not be able to use your co-pay.

3.  A dental HMO plan is similar to a medical HMO that you may be familiar with.  You will have a network of dentists to choose from.  Once you have chosen the dentist that you would like to have as your primary dentist this dentist will attend to all of your primary dental needs.  If you need to have some type of specialty work this dental office will arrange your visit to the dental specialist.

Unlike a dental PPO with the dental HMO you cannot go outside of the network.  You could be responsible for the entire bill for this visit.  Also this type of plan is usually associated with a large employee group and don’t always cater to individuals.

4.  Out of all the personal dental plans a discount dental plan may meet your needs especially if you recently lost your coverage through a job loss, or maybe you find yourself in a financial crunch because of the economy.  This plan is a great alternative to the other three plans we have discussed because it is very affordable.

This type of plan actually gives you generous discounts on the services offered by the dentist.  The discounts can range from ten percent to sixty percent and generally the more costly the procedure the larger the discount.  The dentists that accept this plan don’t belong to a network.  Each dentist will decide on an individual basis which dental discount plans he or she will accept.  There are many thousands of dentists in the United States that accept this type of plan.

So how can you decide which of the personal dental plans would be a good fit for you or your family.  Going online to get more information and to compare various plans for benefits and costs of the different plans would be a good start. 


Feb 212011

If you are looking to purchase a dental discount plan these are some of the things you should pay attention to.

The first thing you should recognize is that no dental plan is perfect.  They all have their advantages and disadvantages.  Whether it is dental insurance or a discount dental plan they both will require you to come out of pocket for a portion of the cost for your dental visits. 

An area you should look into once you decide on dental discount plan that meets your needs is the available dentists in your area.  If you have a dentist you use on a regular basis there is a chance that your dental provider may not take the plan you choose.   If you like the benefits of this type of dental plan you may have to make a decision to change your dentist.

A seeming drawback of this type of dental coverage plan is that instead of a deductible and co-insurance you receive discounts on procedures performed by your dentist.  You should add up the deductible and co-insurance on the dental insurance plan you may be considering and compare that to the out of pocket cost to you when using your dental discount plan.  This will help you to decide whether to purchase dental insurance or a dental discount plan.

While the discount plans are very reputable also being offered by some of the same companies that sell dental insurance but on a few occasions all the discounts offered on the plan have not been honored by some local dentists.  If you find yourself in this situation just remind your dental office of this situation because all the discounts for all the procedures are plainly listed and it will be corrected.  You also have a customer service phone number if on a rare occasion you should need the help of your dental plan provider.

Overall most people are very happy with their dental discount plan.  With the generous dental discounts, a good supply of qualified dentists to choose from, at a very affordable cost.  A free search would be a good place to start if you are looking for discount dentistry using this type of plan.

I personally own a dental discount plan and consider it to be the best value for dental care today.  The best place to start a search will be on the internet.  If you keep reading I will tell you how to get free information on the benefits and cost of this dental coverage plan.

You can find a great value on a dental plan by doing a free dental search.  You will be able to compare pricing, benefits and local dentists in your area on thirty plans.  To get started with your search just click here.

Jan 122011

Are you experiencing headaches, ear pain, jaw clicking and soreness or pain in the jaw then you may need TMJ help.

There are several areas that you may need to be aware of to understand what may have started your problems with TMJ.

Let’s take a look at some of the causes of TMJ.

One of the biggest culprits that trigger this condition is teeth grinding.  This happens often while you are sleeping which means you are not aware of grinding.  All of sudden one day you have pain in your jaw and wondering what could have caused the pain.

Closely related to grinding your teeth is stress.  While stress doesn’t necessarily cause TMJ it definitely can cause you to grind your teeth and therefore lead to this condition.

Who would ever think that using the phone at work would put you in a situation where you could develop TMJ.  The constant holding of you phone between your ear and shoulder over time can develop bad position habits that can cause this condition.

 If you had an accident that would bring trauma to the jaw that could result in a problem with your jaw.  Also an alignment problem with your teeth can lead to chewing problems, jaw clicking all possibly leading to TMJ.

There are several treatments you should consider if you suffer from this condition.  It is important that you do your research to help you narrow down your choices.

There are some things you can do on your own to help yourself.

The first type of treatment you should consider is some things you can do on your own to ease the pain.  Ice is always helpful to reduce pain and inflammation.  Refrain from chewing gum on a regular basis and avoiding eating foods that would cause you to open your mouth wider than usual.  Ibuprofen which is an over the counter medication can help with the pain and inflammation.

It is important to note that these treatments are usually temporary and you will need professional help if your condition worsens.

Should you consider surgery?

Oral surgery should be a last resort because surgery can sometimes come with complications.  Before surgery physical therapy is a good option if it is recommended by your  physician.  Of course surgery depends on whether you have medical insurance.  If you don’t own this type of insurance TMJ surgery may be too expensive for you.

The dentist may be your best option.

The next option you should strongly consider is a visit to the dentist.  Your dentist will want to take x-rays, check the alignment of your teeth and you may be fitted with a special mouthpiece that you will wear at night.  The mouthpiece will help reduce pressure on the joint.  Also the FDA just approved an FTI device to protect the teeth from further wear which will allow the muscles to relax.

The dental option should be high on your list to explore as a step to end your suffering from TMJ.  Help from your dentist can be expensive but will be far less costly than surgery.  If you have dental insurance then you should schedule an appointment as soon as possible.

Just like medical insurance dental insurance can be expensive.  If you don’t have dental insurance a good option for you to consider would be a discount dental plan.  I find it to be very affordable with generous discounts on almost all dental procedures.  It is offered by some of the major insurance companies and will allow you to get help immediately from a dentist in your area.

If you have tried some of the treatments that you can do yourself mentioned in this article and are still having problems you should consider going to a dentist to get help.

If you would like to consider the discount dental plan option to save money on going to the dentist  you can do a free search for dentists in your area.   Just click here and you will also be able to calculate the cost and discounts you will receive with this dental plan.

Dec 282010

Are you reaching the later stages of life and starting to experience dental problems.  If you are searching for dental plans for seniors 

an internet search may be the best place to start.  There you will find many affordable options to choose from.

Most seniors will find many plans that can fit into their budget.  Look closely for a dental discount plan which should run you less than a $150 a year.  With this type of plan you don’t have to fill out a medical application which is important if you have pre-existing dental conditions.  You will have dental coverage as soon as you apply for coverage regardless of your dental health.

So what are some other features of of dental plans for seniors that can benefit you?  First it will cover almost any dental condition that you may experience.  Also instead of having to pay a deductible like you would with dental insurance you receive generous discounts on any procedures the dentist may perform during your visit.

For example let’s say you had to have one of your teeth pulled.  Typically your dentist would charge you around $192.  With the discount from your dental plan your out of pocket cost would be $58.  What about a more serious procedure like a root canal on a front tooth?  A typical charge at your dental office would be about $810.  You would pay only $290.

As we grow older filling out forms can be tedious.  With the dental plans for seniors there are no claim forms to fill out.  Everything is taken care of for you at your dental office.

With the generous dental discounts, the affordable yearly cost, numerous dentists to choose from, acceptance of pre-existing conditions and no paper work hassles to deal with the dental discount plan should be a plan you may want to consider.

If you would like to get a free look at the plans and what they cover, their cost and the dentists in your area it is easy.  All you have to do is go to my dental website.  Click here and type in your zip code.  You will be able to view over 30 plans available in your area

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