Category Archives: Coverage

Post about types of dental coverage for California residents is in our Coverage category at our site.

How to Choose Dental Insurance in California.

1. When choosing dental insurance, start with the basics. Basic coverage ranges from a number of services. The most important service your dental insurance should include is preventive care. This includes free teeth cleaning two times a year. Along with cleanings, you should expect a wellness directory to give you information on how to properly care for your teeth.Basic coverage also includes dental care for tooth decay, which leads to cavities. Chances are, sometime in your life, you will get a cavity. Cost for cavity fillings can be upwards of $100. Expect to pay more if the cavity is on multiple surfaces. Find out what your dental insurance is willing to pay. Your out-of-pocket cost can add up without adequate coverage.

2. Next, check your insurance company’s coverage for major dental procedures.This is where you can really expect the cost to add up. Dental procedures can include everything from oral surgery to braces. The major procedures you should ask about are tooth extractions, veneers, root canals and periodontal care. Find out how much coverage your dental insurance is willing to pay in each instance.
3. Are you interested in braces? If so, ask about orthodontic care. Some insurance companies will pay up to 80 percent for the cost of braces. A good dental insurance company will pay at least pay 50 percent for the cost of braces. Also, be sure to find out how the money will be disbursed.

4. What about emergency care? If you lose your tooth in an accident, you should have coverage through your dental insurance to cover you for immediate care. Some dental companies may try to tell you that is a medical case. Do not be fooled. Most medical insurance companies will not pay for emergency dental care unless it involves care done directly to the mouth, not the tooth. Find out what your dental insurance is willing to pay.

5. The cost of dental insurance is going to be something that is on the top of your mind. Obviously, you need to find out what you can afford. What is your monthly premium? Are you paying directly, or is it drafted out of your paycheck?

6. Ask about deductibles and co-payments. Deductibles are once-a-year minimum payments that you must make before your insurance company pays anything. If you do not pay the deductible, your insurance company will not pay anything towards your care.

7. Co-payments, on the other hand, are payments that you make along with the insurance company. Unlike deductibles, co-payments are billed to you for every occurrence. Find out if your dental insurance offers a flat rate co-payment or a percentage of the bill.

8. Another terrific way of finding the right Dental insurance is by word of mouth. Ask family and friends what dental insurance plan they are covered by,
ask how their experience with their current dental insurance is working for them.

Kindergarten oral health

In 2005, the California legislature passed AB 1433, which is a kindergarten dental check up requirement.  The California Department of Education has allocated funding to support the implementation of this law.  With the assistance of the California Dental Association, free access to kindergarten has been offered to ensure that children with dental needs are provided with the basic care.  Cause studies have established that children with pain are unable to concentrate and learn in school.

The legislation requires that children have a dental check up by May 31 of their first year in public school at kindergarten or first grade.  Those who have had dental exams within 12 months of the school entry date are considered in compliance with the law.  The ultimate goal of the program is to establish regular dental care for every child.  The program will also identify which children need further examination and figure out what obstacles preventing them for further care.

Gum Disease

Gum disease (aka Periodontal or Gingival disease) is what harms the gums and bones that hold our teeth in place.  When plaque stays on your teeth for too long, tartar forms.  Tartar can’t be remove by you and I.  You can remove it with flossing and brushing regularly.  Only a dentist can remove it.  Tartar removal is covered under all California Dental Insurance Plans. If left untreated it can lead to gingivitis, a red swollen gum that bleeds easily which allows the teeth to pulling away from the teeth forming pockets that become infected.  If not treated, the infection can ruin the bones, gums and tissue that support your teeth.  You know what happens next right?  In time the teeth loosen requiring you to visit a dental office to get them removed.  The best way to avoid this is to visit a dentist regularly.  If you belong to a dental insurance plan the cost will be significantly less.

Types of dental plans

California dental insurance plans are classified either as Managed-care or Indemnity plans. Indemnity dental plans offers a wider selection of providers, as compared to Managed Care. In the Indemnity plan, a company makes payment for covered service rendered as the received the relevant bills. It is essential for you to initially foot the bill or pay at the beginning. You will get the reimbursement from the insurance company later on.

Managed-care plan is one that is run through dental caregiver networks. California dentists who participate in the network. The dentists in the network consent to provide service to patients at company agreed rates, and submit claims to the company on your behalf. This boils down to lesser paper work and low self paid expenses for you, the insured. The California dental insurance comapny will then pay directly to the dentist.

Cosmetic dentistry

Being in California, a lot of people worry about how their teeth look and seeking out dentists and insurance plans that will enable them to have a nice white smile.  Cosmetic dentistry refers to a dentist that renders services that helps makes a person look better.  The services that he performs does not necessarily improve their client’s teeth functionality in any way.  A good example of cosmetic dentistry is teeth whitening.  Most of things that help make one’s smile look better is not necessarily covered by one’s dental insurance plan.  So you will need to contact your insurance company to see what they do cover and what they don’t cover.  You will also need to see if the desired procedure gets an discounts as well.