Monthly Archives: October 2011

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.

 

Grinding your teenth

Do you grind your teeth at nights?  Do you know if you are even grinding your teeth as you are sleeping?  Do you suffer from headaches?  Well the fact of the matter is that whose who grind their teeth tend to suffer headaches.  The medical term for the habit of grinding one’s teeth is called “Bruxism”.

In sever cases of Bruxism, you can damage your jaw and hearing.  There are two ways to know if you grind your teeth at night: (1) if your partner complains or tells you about it because then can hear it, or (2) after a night of sleep your jaw aches or you suffer from persistent headaches.   If you think you might suffer from Bruxism, then you should schedule a check up with your local dentist for a solution.

 

Stand Alone Insurance Policy

There are to types of dental insurance policies: (1) stand alone and (2) those tied to a health insurance policy.  A stand alone insurance policy is just like it is sounds.  It is a insurance policy that exists on its own and is not part of a larger health or vision insurance policy.  You buy the policy for your dental needs only.  There are a number of insurance company that provide this policy in the State of Washington.

Most policy are offered to individuals age 18 and over, their spouse, and their eligible dependents (unmarried children from birth to age 19 or 23 if full time students.  Coverage can also be obtained by individuals and their spouse ages 65 and older.  The prices will vary depending on the extend and type of coverage which we will cover in more dept in future addictions to our site.

 

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This is the new destination for Washington Individual Dental Insurance where you will find information on Washington State Insurance news pertaining to your health and dental insurance policies and rights.