Individual dental insurance

The best type of individual dental insurance – especially for those working for themselves – is a dental comprehensive plan. However, if cost is an issue, there are cheaper option. In general oral dental procedures are expensive.  In deciding which insurance company to go with and which policy to buy, look at the the premium and see what they pay for.  If the policy is still too high apply for a dental discount card. In the United States, dental discount cards are designed to help individuals and families save money on oral health. Participating dentists will offer you a reduced fee for their services to members. However, the Dental Discount Card this is not an insurance plan, it is a discount program. The discount card offers between a 10 to 60 percent savings. You can choose from over 30 regional and national plans with more than 100,000 participating dentists. Joining is easy quick.  You can even apply for the Dental Discount Card online.  Its amazing how things have changed.  As an alternative, there is a way to get individual insurance policy, if cost is still a barrier, by qualifying for a low-cost policy. Generally, if you teeth are healthy then you just need a basic prevent care policy.  If you anticipate needing major work in the upcoming year then you will need to pay more to get that work done. Individual operators are often the best because they have less monthly expenses than large firms. This enables them to give you a substantial discounts. Many self-employed people sign up for a dental indemnity plan which is also called a fee for service dental plan.

A dental indemnity plan or a fee for service dental plan, you can choose any dentist. You do not have to obtain referrals but you may have to get prior authorization for some oral procedures. A deductible is involved in an indemnity plan. The policy will pay a percentage of the UCR (usual, customary, and reasonable) cost. Typically, the ratio is 80 to 20% which means the insurance company pays 80% and you pay 20%.

Low Cost Dental Care

Dental care can be expensive especially if you are not covered under an individual dental insurance policy.  Medicare does not cover routine dental care.  Very few states, including Washington state, offer dental coverage under Medicare.  You will need to each dental insurance policy to see if they cover everyone in your family and whether there are any age restrictions.  Make sure you aware of all the co payments and what services are covered or not covered.

Dental Insurance Waiting Period

Most Washington Individual Dental Insurance plans have a waiting period.  A waiting period is the length of time an insurance company will make you wait after you are covered before they will pay for certain procedures.  For example, if the policy has a three month wait period, and you need to have a root canal, you will need to wait three months before you can get the root canal and have them pay for all or a portion of it.  How much they pay is dependent on the policy that you have with them.

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. Washington State 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 Washington State Dentistry for your dental care.

Best reason to visit your local Washington Dentist

Best reason to visit your local Washington Dentist. Gum disease is one of the leading causes of adult tooth loss. If not diagnosed in its early stages (gingivitis), it can be treated and reversed. If treatment is not received, a more serious and advanced stage of gum disease called periodontitis may follow. Regular visits to the dentist for check ups and dental cleanings, flossing daily and brushing twice a day are key factors in preventing gum disease. Washington State has the best desist around the United States.

Dental work and Breast implants.

The chance of implant problems from dental cleaning without antibiotics is VERY small but very real. You could probably have a hundred cleanings without antibiotics, and have no problems. Having breast implants does not increase your chance of an infection from dental cleaning – it just means that the consequences could be more of a problem if you did get an infection.

Certain doctors feel that, intuitively, surgeons should obviously treat their patients with prophylactic oral antibiotics in the period directly after the placement of the breast implants. This should be done for any procedure which causes a transient bacteria, such as dental surgery, colonoscopy, urological treatment (cystoscopy), and gynecological treatment. Probably 1 dose, 1 hour prior to the treatment followed by 1 dose after the treatment should be sufficient. Better to be safe than sorry.

Free Dental insurance

Have no dental insurance and my wisdom tooth that’s infected and severely hurting me. After doing some research I found out that most states have free dental programs for people like me. The University of Washington School of Dentistry runs clinics that offer services in every area of dentistry and oral health. The work is done by students, residents and faculty, and the cost is generally lower than what it would be at a private practice. Some community clinics offer low-cost or free dental care to people with low incomes. Although the Washington State Department of Health does not provide direct oral health services, their website does have numerous links to local dental services. University of Washington School of Dentistry worked on my teeth for free, didn’t need dental insurance.

PPO Dental Insurance

A PPO (Preferred Provider Organization) is a dental insurance plan whereby your employer negotiates a fee schedule with dentists in _____ in exchange for them to be put on a list of preferred providers.  The employer gives the list of dentist to their employees to use.  The employee can only use those on the list if they want the benefits of the plan.

Most PPO plans have a deductible between $50 to $100.00 and pay only a specified percentage for each type of treatment.  There is also a yearly maximum amount of unds avalable for dental care.  The amount must be used each year or lost.  There is no ability to care it over.

Most PPO Dental plans cover preventive care, cleanings, check-ups, protective dental sealants, x-rays, and fluoride treatment at 80-100%. Basic care, including root canal therapy, extractions, and fillings are usually covered at 80%. Major care such as crowns (caps), permanent bridgework, and full and partial dentures as well as periodontal (gum) care are often covered at 50%.  So whatever is not cover, you have the pay the remaining portion.