Category Archives: Dental Insurance

Good information on California dental plans and coverage for families and individual is in our Dental Insurance category.

Dental Plans In Calfiornia

Today we are going to take a look at the dental insurance plans in California.

California has over a one hundred different dental insurance providers. Every national dental insurance company has a presence in the state. Small regional and statewide carriers also make in impact in the marketplace with specially designed dental insurance plans that are available in California.

Blue Cross, Blue Shield, and Delta Dental are the major dental insurance plans in California. Those three carriers have a major chunk of the states dental insurance business. The reason for that is probably name recognition because those three names are the most trusted in health and dental insurance.

Western Dental is a good example of a smaller ancillary carrier, who is designing and administering dental insurance plans in California. Western Dental is one of California’s oldest DHMO’s. Western Dental has over 200 dental offices in California and Arizona in addition to 1700 DHMO network dentists. As a DHMO Western Dental’s goal is to provide access to quality dental care at affordable rates.

Covered California announced its selection of pediatric Dental insurance plans in California. The new plans ensure that California children up to 19 years old will get expanded opportunities for better dental health.

The six selected companies participating in the programs are, Anthem Dental, Blue Shield of California, Delta Dental of California, Health Net Dental, LIBERTY Dental Plan and Premier Access Dental. The products include stand-alone plans, and all can be bundled with health insurance for a single premium.

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.

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.

Wisdom teeth removal cost !!

Wisdom teeth removal can range in price from $130 to $450 per tooth. This cost range does not include fees associated with sedation, X-rays, possible oral surgery necessities, or the proximity of the wisdom tooth to surrounding teeth and nerves. Extraction costs for impacted wisdom teeth are significantly higher than for erupted wisdom teeth. Any kind of Dental work is usually awfully expensive. California has several different kind of free programs that provide free dental care.

Smoking and your teeth !!

Most of us know that smoking is bad for our health, but did you know that smoking is also a major contributor to many dental problems? Like, oral cancer of the mouth, pharynx, larynx and esophagus. Smoking causes 75 % of all oral cancer.  The type of tobacco product used will dictate where the oral cancer will be located. Cigarettes aren’t the only products only to blame. All forms of tobacco, including cigars, smokeless tobacco and hookah water pipes, pose dental health concerns.Also Tobacco use reduces the delivery of oxygen and nutrients to gingival tissue. Visit your local Southern California Dentistry for your dental care.