Are you paying too much at the dentist?  DentalPlans.com 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 072011
 

If you are serious about your dental health one thing you should do is be checked for by a dentist on a regular basis for gum disease.  It is also called periodontal disease and can be an indicator of more serious underlying health conditions like diabetes.

A lot of people have experienced gum disease.  If you have noticed some bleeding while brushing or flossing this could be an early indication that you are heading for gum problems.  Swelling and pain can be an indication of this condition also.

The reason you should seek immediate help is that if you procrastinate this could develop into a serious condition and result in infection which can lead to tooth loss not to mention the pain you will experience.  Early detection and treatment by your dentist can result in the avoidance of tooth loss and pain. 

Another alarming piece of information about this condition is you may have gum disease and not even know it.  While it can cause tooth loss it also can result in bone loss.  Don’t forget it can point to warnings of possible diabetes, heart disease, some types of cancer and reduce the overall quality of your life.

Beside bleeding and swelling some other warning signs of periodontal disease are gums that are receding, loose teeth, sores in your mouth and bad breath.

If you are experiencing some of the symptoms we have been discussing in this article where do you go from here.  Since this condition can develop into serious health problems you should schedule an appointment with a dentist as soon as possible.

If you have developed gum disease there is a good chance that you haven’t been to a dentist in a long time.  One reason may be dental visits can be very expensive and if you are like a lot of people there isn’t enough money available to cover this extra expense.  

If you find yourself in this situation there is a good affordable option that will allow you to go to the dentist on a regular basis. 

A good place to start looking would be a discount dental plan.  You will find it to be very affordable for both individual and families.  It will give you some good choices of dentists in your area and the discounts on most dental procedures are very generous. 

I can make this search for this affordable plan and dentist in your area very easy.  Just keep reading and hopefully you will find a good option to start you on your journey to cure gum disease.

Feb 052011
 

You may have bad breath and not even know it.  You really don’t want people to avoid you because of the foul odor coming from your mouth.  So how do you know that you have a bad odor coming from your mouth?  Usually it is someone that cares for you and has the courage to tell you.  So don’t get offended just thank them for letting you know so you can get rid of this condition.    

Some causes of bad breath also known as halitosis are caused simply by the foods you eat.  A good example of this would be foods that give off a strong odor such as garlic or onions.  Usually this kind of breath can be controlled by paying attention to daily dental hygiene by brushing, flossing and rinsing.

If you are practicing good oral hygiene and the problem persists this may be more than a social issue there may be a more serious underlying problem that you should check into.  Besides the more obvious causes such as foods or if you are a smoker or even a temporary sinus condition it could be caused by a more serious underlying medical condition or even gum disease.

If the problem persists you should get checked by a medical professional to make sure you don’t have or you maybe developing a medical situation.  A good start would be to schedule an appointment with your dentist.

Your dentist will want to check to find any causes for your halitosis.  This will involve x-rays to check for cavities, he will look for plaque on your teeth and also a good through examination of your gums.  All of these can be the cause of bad breath.  If everything checks out and these are not the cause of this condition he will refer you on to a doctor to do more through medical tests.

As mentioned previously you should go to your dentist before this condition could progress on to a more serious problem.  If you don’t have a dental insurance plan or may be delaying a dental visit because of financial reasons there is a good option to help you afford your dental visits.

You should look into the benefits of a dental discount plan.  You can do a free search for the dentists in your area.  The plan offers great discounts on almost all dental procedures  and is very affordable for both individuals and families.  Another benefit is you can get a good idea of the cost of your visit by simply looking at your discounted cost before you go to your dental appointment.

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.

Jan 042011
 

Are you grinding teeth in sleep?  You may have been experiencing this condition for years without even knowing it. 

Grinding your teeth can cause a number of irritating problems.  If you grind or clench your teeth you have probably experienced sensitive teeth from the wearing down of the enamel.  Some people have reported experiencing regular headaches from the constant grinding of their teeth.

You can eliminate or decrease teeth grinding with a trip to your dentist.  There are many people who suffer from this condition and a trip to the dentist office can help you overcome the side effects associated with teeth grinding.

There are some treatments your dentist may recommend to get you back on track.

The most common procedure to start off with is usually a mouth guard that you will wear when you are sleeping.  Sometimes one mouth guard will suffice but often two guards for the upper and lower teeth will be needed.  This will keep the teeth from rubbing together therefore protecting the tooth enamel. 

One of the primary causes of grinding your teeth is stress.  Your dentist may recommend that you get involved in programs and techniques that can help you reduce stress and therefore your grinding should reduce.

Your dentist may also recommend a NTI Appliance which is a more advanced form of a mouth guard.  This appliance helps prevent clenching.  This gives you less jaw pain, a smaller amount of wear and tear which results in you saving the enamel on your teeth.

If you have a grinding teeth problem and are suffering the side effects of this condition you should see a dentist as soon as possible.  A lot of people go to the dentist only when the dental pain they are having gets unbearable.  Usually a lack of regular visits to the dentist gets down to not having enough funds available. 

I would like to offer a suggestion to anyone reading this article that may be experiencing problems from grinding your teeth.  You should look into purchasing a discount dental plan because it is very affordable and offers you some very generous discounts on dental procedures.  This will allow you to schedule an appointment with a dentist in your area to help you in your recovery process.

If you read the information below it will allow you to search for an affordable plan in your area.  With this important knowledge you will be able to make a decision if a discount dental plan will fit into your budget and allow you to get help you need.

To start your free search in your area  just go to my dental search site. Just click here and enter your zip code.

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

Oct 132010
 

Dental health is very important for individuals and families so it is helpful to have some form of dental coverage to minimize the costs of dental care.  There are two types of dental plans you should consider if you are looking for dental coverage dental insurance or a discount dental plan.

Dental insurance plans are typically available to individuals and families through employers and large groups such as associations.  Some dental insurance plans can now be purchased on an individual basis outside of employment.dentist wkg in mouth

To use this type of plan you must first meet a yearly deductible before the insurance company will pay any of your dental expenses.  After your deductible is met you will also be subject out of pocket maximum payments established by the dental plan you are enrolled in.

If you are considering purchasing this type of plan on an individual basis there are several things you should consider.  First, what are your actual out of pocket expenses when you factor in your monthly premium payment, you’re out pocket deductible costs, and any expenses you must pay that go over your yearly maximum limits on the dental policy.  Add these items up and that is the true cost of your dental policy.

A good alternative to dental insurance is a discount dental plan especially if you are looking for an affordable dental plan for yourself or your family.  These plans are typically purchased by individuals and families although it can be offered by some employers.

The major difference between a discount dental plan and dental insurance is that you don’t have to meet a deductible.  Instead of a deductible you receive a discount on the procedures performed by the dentist which are very generous.  You know before your visit what your dentist will charge you.  Also there are no maximum limits.

Like the dental insurance plan you should calculate the out of pocket expenses you will have with the discount dental plan.  Your premium payment will be very inexpensive so that is a plus.  Add to that the cost of your procedures minus your discount and this will give you the cost of the dental discount plan.

If you look here you can view all the plans, dentists in your area, the cost of the  different plans and actual discounts you will receive.

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