Category Archives: General

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.

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.

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.