When buying a dental insurance plan make sure to look at the carrier’s dental “in-network providers.” Ask how many dentists are in the network of approved providers. You want a wide selection of professionals in your region, so that if your want to change providers you will have that option available to you.

With dental insurance you can save hundreds or even thousands of dollars a year on the cost of your dental care needs. However, there is no reason to pay more than needed to ensure adequate coverage. When comparing individual/family dental insurance and dental discount plans consumers can save money.

By simply entering a zip code at the top of the page individuals can receive dental insurance quotes for their state. If you have any questions please call our member service line at 310-534-3444

It is important to know where to go for answers in case of emergencies. Dental emergencies can happen at any time. To ensure you get the most from your individual dental insurance plan, you should program your dentist’s and insurance carrier’s customer service phone numbers into your mobile contact lists and bookmark important sites in their mobile browsers. In addition, when traveling, consumers should know how to quickly find a local dentist that is covered by their plan if needed.

With PPO’s and Indemnities dental insurance plan they tend to brake down the coverage’s in three main categories.

1) Preventive/Diagnostic: Generally includes – Office Visits, Oral evoulations, Bitewing X-Rays and Basic Cleaning
2) Basic Restorative: Generally includes – Fillings and Dental sealants
3) Major Restorative: Generally includes – Crowns, Bridges, Dentures, Oral surgery and treatment of Gum Disease

Some plans provide a fourth category which would typically be braces/orthodontic services and some limited cosmetic

However it is still important to review each plan coverage’s carefully to verify under that plan benefit what fall under want category for that plan.

One way to control your expenses is by having a “predetermination” or “pre-treatment” review. Consumers who are considering an expensive dental treatment are wise to have their dental carrier confirm coverage in advance. Often, dentists’ receptionists are able to do this for patients during their visits. Not only will consumers know in advance what portion of the costs their dental plan will pay, but the carrier or dentist may also be able to recommend less costly options.

Dental insurance plans such as PPOs normally have waiting periods before certain dental services are covered under the plan, as well as annual maximum limitations. To avoid avoid exceeding annual maximum benefits or having services before benefits are effective try delaying dental work, if advisable by your dentist.  

As part of dental planning, consumers should consult with their dentists and, if possible, delay work that would push costs over what they are covered for by their dental insurance plan. Individual dental insurance plans may work on a calendar year basis or they may be subject to other start and end dates. Consumers should check with specific carriers for details.

Your dentists should be able to develop a personalized dental plan that goes beyond regularly scheduled checkups and exams. A personal dental plan may be as simple as brushing and flossing on a regular basis, or it may include corrective care and the steps needed to carry it out efficiently and effectively within the terms of the consumer’s current or anticipated dental plan.

Understand the your dental insurance benefits to get the most for your money. As with all investments, it is in consumers’ best interests to understand what they are paying for. Fortunately, the law requires that consumers with dental coverage receive a description of their benefits. They can therefore fully research the coverage, limitations, and exclusions of their plans and use the benefits to the maximum.

Dental insurance is rarely for emergencies dental services only. After selecting an individual dental insurance plan, the most basic way to ensure you get the most from your dental insurance, is to visit your dentist regularly. by maintaining regular dental visits, it will help to ensure you get the preventive care needed to stay healthy.

When buying dental insurance make sure to review the details to find the right plan for you and your family. The availability of information online to help individuals find high-quality, affordable dental care. Which means individuals can protect their dental health in spite of a struggling economy. Before consumers select a dental insurance plan, they should use a trusted insurance websites to obtain all the facts they need to make the best choice. For example, consumers should compare coverage, exclusions, and the calculation and payment of benefits.

Warm water mixed with some salt is a good solution to gargle with when you have a minor toothache. Use this trick until you see your dentist for the needed dental care.

HMO and PPO dental insurance plans are the most common types of dental health insurance.   With an HMO plan you will have to pay your entire dental bill if you visit a dentist who is out of network. This is because there is no outside provider coverage and prices for dental services have only be negotiated with the plan providers.   

With a PPO plan, you can normally visit an out-of-network dentist, but you may have to pay a higher co-payment and you are at a high risk of UCR (Usual Customary and Reasonable) fees.  Because each dental insurance plan is different, it is essential to understand all the terms of your dental insurance plan prior to scheduling an appointment with a dentist. Be sure to talk to the dental office staff about your individual dental insurance so you will understand what care is covered and what is not.

Keeping cloves in your house is a good dental tip to know. Cloves are one of the best emergency remedy for a toothache. You can rub the clove oil on the tooth or chew the clove. Chew and keep the clove on the affected area for some time and you will get relief soon. Clove releases oil while chewing that gives relief from pain. This is a way to help pain but it does not fix the causing factor. You will need to see your dentist to do that.

More people today have dental insurance plans than ever before. Which is a sign that proper dental care is not only important to your oral health but to your overall health care, too.  

With individual dental insurance, it is easy to stay on top of your dental health. Most dental insurance plans will generally cover the cost for preventive dental care treatments ranging from dental exams, X-rays and dental cleanings.   

Basic services such as tooth filling and simple tooth extractions are offer at a low cost, and oftentimes, a more extensive treatment such as a dental crown or a root canal is partially covered, too.

I am a signal mom with two minor boys living in California.  I do not have dental insurance though my job so I have to buy something for just my boys.  Family plans are just to  costly right now for me so could I have just my two son on a plan by themselves?   

Answer: There are very few insurance companies that will write a plan on a minor only and when they do you have to buy two plan one for each child which at that point would normally be more costly then just buying a family plan.  My suggestion is to review our dental HMO insurance options we provide in California though California dental and Delta Dental. Both options are low cost and run as high as $40.00 a month for a family and a low as $17.00. You can see the cost for HMO dental insurance plan will normally fit into most peoples budgets.   

Please call our member service line at 310-534-3444 if you should have any questions about any of our dental insurance plan options available in California.

I am seventy and I have not see a dentist in the last two years since the one I was going to retired. I would like to have my teeth check although nothing is really wrong with them.   I called a few local dentist in my area and they all wanted between $150 – $200  just for a check up x-rays and a basic cleaning.  This is just to much money.  One dentist told me that I should get dental insurance. Stating that way my preventive dental services would be free to low cost.  Where do I find a plan that offer benefits like that?  I am too old and tired to go into a bunch of different web sites. Just tell me which one would be best knowing what I am looking for. 

Answer: The lower cost dental insurance plans would be our dental HMO plans offer though Delta Dental and California Dental for an individual the plan cost run between $7.95 – 19.95 a month. For the most part the more you feel you can plan for the cost of the plan the lower the cost of for the larger dental care services, and like the dentist stated they do provide free to very low cost for preventive services.   To review this plans just enter your zip code then call our member service line at 310-534-3444 if you have any questions.

Our website dentalinsurancekids.com offers a broad range of dental insurance plan options from low cost HMO’s and PPO’s that let you keep your own dentist. You can compare our available dental insurance plans option by entering in your Zip Code in the Quote Box provide. If you have any questions about the available plan we provide please call our office at 310-534-3444 M-F 8am – 4pm as member services will be happy to help you.

Question: I noted that you offer many different dental insurance plans for a family.  Can you give me some helpful tips on how to choose the right one for my family and I?  I am not sure what would be the best plan and would like some help in braking them down. 

Answer: Choosing a dental insurance plan that would be right your you and your family would depend on several factors.  Such as if you are trying to stay with your current dental provider or if you have current dental needs that need to be taken care of ASAP.  Such as our dental PPO insurance plans would let you stay with your current dental office, however this type of dental insurance plan normally come with waiting periods that would effect the type of dental services you can have right away. Where as dental HMO plans do not normally have waiting periods for certain dental services but may not let you keep your current dental office if they are not a provider of the plan. 

Look over our plan options and please feel free to call our member service line at 310-534-3444 if you have any questions about any of our dental insurance plan options.

Hopefully if you need a root canal you already have current dental insurance. However for many that is not the case even though by having dental insurance it will help make having a root canal much more affordable. It may be already too late to buy a dental PPO or Indemnity plan do to their plan waiting periods.

Therefore when reviewing dental HMO insurance plans you want to make sure the plan you are reviewing provides coverage’s for specialist (case you need to get refer to one) and if it does cover for specialist know the coverage amount. In many cases HMO plans that do provide benefits for specialist do so at lower coverage, on average between 20 and 30 percent.

For the most part dental HMO’s insurance plans have fewer limitations then dental PPO’s and Indemnity insurance plans.  Yet, they still have limitations that need to be carefully read and understood before buying.   One such limitation which many people may know is that you have to go to dentists that are providers of the plan.  There  are no benefits if you choose to go to a dentist that is not a provider of an HMO plan.

Generally under an HMO dental insurance plan, coverage’s are based on a fee schedule which shows the cost for all the different dental services that are covered under the plan. Yet the fee schedule that is provided is normally only for the general dentist you picked to be your provider.  The fee schedule is normally not the benefits you receive if you need to be refer to a network specialist.  

This is important to understand, since HMO plans will either not cover for specialist or only provide saving of around 20 – 30 percent off network specialist depending on the plan.  

Although HMO plans will not normally have a yearly dollar max limitation per person per year they may have limitation on how many of one dental service you can have. You may already know the two cleaning per person per year but many HMO’s insurance plans will only provide benefits up to four to five crowns per person per year.