Dental Insurance Coverage - Near You

Dental Insurance, What Should You Know

Dental insurance is not meant to be a pay-all. It's only meant to be an aid. You are very fortunate if you have dental insurance coverage and don't have to pay the entire dental fee plan out of your own pocket. Many patients don't have any dental insurance at all. Some patients have excellent dental insurance policies or dental credit, some have fair policies, and some have poor policies. Many plans tell you you'll be covered up to 80% - 100%. In spite of what you're told, most plans cover only 15% - 70% of the average dental fee plan. We realize that every bit of help you get from your insurance company is a big help, and we are glad you have coverage. However, it must be understood that how much your policy covers has already been determined by how much your employer paid for your insurance policy. The less he/she paid for the insurance, the less you'll receive.

FOR EXAMPLE: PLAN Costs a lot of money Costs 1/2 the amount Deductible is $50.00 Deductible is $100.00 Pays $84.00 on a filling Pays $35.00 on a filling Yearly maximum is $1,000 Yearly maximum is $800 It has been the experience of many dentists that some insurance companies tell their customers that "fees are above the usual and customary" rather than saying "our benefits are low."

Your insurance company sets the "allowables" or "a usual and customary dental fee plan" depending on how much your employer paid for your policy. It's just like your car insurance. The lower the benefits you choose, the less it costs you in premiums. Many necessary routine dentistry services are not covered by dental insurance at all. Again, what is covered and what is not is determined by what benefits and dental payment plan your employer purchased for you.

We do not believe it is in your best interest for your treatment to be compromised in order to accommodate an insurance policy's restrictions that may provide you with a quality of care that is considerably less than you deserve.

We strongly feel that you, not your insurance company, should choose the treatment you feel is best for you.

+Jim Du Molin is a leading Internet search expert helping individuals and families connect with the right dentist in their area. Visit his author page.

Dental Care For Seniors: Frequently Asked Questions

Seniors are the fastest-growing age group in the U.S., in part because medical advances and preventive care are extending life and the quality of it. As the baby boomer generation ages, the senior population is swelling, along with their interest in maintaining healthy bodies and lifestyles. Good oral health is important to overall health and seniors must stay on top of their dental care. It is now possible to keep natural teeth and good dental hygiene plays a vital role in keeping that smile.

Dental Decay and Gum Disease

Talk to your dentist about the proper care of your teeth. Brushing twice a day and flossing regularly are the most important steps you can take to keep your teeth and gums healthy and maintain that smile. If age is causing your gums to recede, clean your teeth thoroughly, but be careful not to irritate or tear the gums. A receding gum line may also expose sensitive portions of teeth; careful brushing is important, as are toothpastes that offer sensitivity protection. If you have difficulty using a toothbrush or floss because arthritis or a stroke has impaired your agility, ask your dentist to recommend commercial products that will make the tasks easier. Bleeding or sensitive gums, constant bad breath, receding gums, and loose teeth are all symptoms of gum disease, which can hasten tooth loss. If you spot these symptoms, talk with your dentist about them before they cause pain and deterioration.

Watch Your Mouth!

After a lifetime of chewing and biting, many seniors have dentures, bridges, crowns, and, of course, their fair share of fillings. Over time, even the best dental hardware can wear out. If you feel changes in your mouth, particularly when you are eating, brushing, or flossing, bring them to your dentist's attention. You may take medications or have a medical condition that results in dry mouth. Saliva production is important to good oral health: it keeps the mouth moist, washes away food particles, and protects against decay from plaque. Enlist the help of your dentist, and ask about artificial saliva products so that you don't have to worry about giving a big smile.

Maintaining Your Dental Investment

Don't stop caring for your teeth and mouth at this stage of the game! Keeping your teeth healthy means greater comfort and enjoyment as you eat, laugh, and speak. Good preventive care will give you something to really smile about!

Brian J. Gray, DDS, MAGD, FICO