Daily Archives: October 30, 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.