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Facts You Should Know About Dental Insurance

What is the best dental insurance plan for financing health care for me?

Choosing a dental expense plan can be a confusing experience. Although there is no one "best" dental payment plan for financing health care, there are some plans that will be better than others for you and your family's dental payment plan needs. We will try to guide you in simple terms. However, rather than just giving you answers, the best thing we can do is to make sure you are equipped with the right questions for the dentists.

There are three major things to consider, each with their own unique set of questions. By considering the questions thoroughly, you will arrive at the right dental payment plan for you and your family.

• How affordable is financing health care (cost of financing health care)?
• How much will a dental payment plan cost me on a monthly basis?
• Should I try to insure just major dental expense or most of my dental expense?
• Can I afford a policy that at least covers my children?
• Are there deductibles I must pay before the insurance begins to help cover my costs?
• After I have met the deductible, what part of my dental expense is paid by the dental plan?
• If I use dentists outside a plan's network, how much more will I pay to get financing health care?
• How often do I visit the dentist and how much will my dental payment plan be each visit?
• Do the included services match my needs (access of health care)?
• What other dental providers are part of the plan?
• Are there enough of the kinds of dentists I want to see?
• Where will I go for financing health care? Are these places near where I work or live?
• Do I need to get permission before I see a dental specialist?
• Are there any limits to how much I must pay in case of a major illness?
• Is the prescription medication which I need covered by the dental plan?
• Have people had good results when covered by a specific dental payment plan?
• How do independent government organizations rate the different dental plans?
• What do my friends say about their experience with a specific plan?
• What does my dentist say about their experience with a specific dental payment plan?

If you consider these elements carefully when choosing a dental financing plan, you can be assured the best possible outcome and minimize dental expense paid by 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.

General Dentistry Care: Frequently Asked Questions

Q. When would you consider tooth bleaching?

A. You would consider tooth bleaching if your teeth have yellowed with age or are stained from tobacco, tea, coffee or food.

Q. What are the practical expectations of tooth bleaching?

A. Every case is different, but generally there is a two-shade improvement as seen on a dentist's shade guide. The success rate relies on the types of stain involved, your compliance, and the material and method used.

Q. How long does tooth bleaching last?

A. Depending on your personal habits such as smoking and drinking coffee or tea, tooth whitening should last from one to five years.

Q. Do over-the-counter bleaching products work?

A. Some over-the-counter bleaching products do whiten teeth, but many of the products can damage teeth with extended use or misuse because they are too abrasive or use ill-fitting trays. Some materials contain titanium dioxide that actually put a temporary pigment coating on the teeth. Although small doses of titanium dioxide are considered safe, the net effect is to put a layer of "paint" on the teeth that is soon lost.

Q. What is orthodontics?

A. Orthodontics, also known as malocclusion or “bad bite”, is the branch of dentistry that specializes in the diagnosis, prevention and treatment of dental and facial irregularities.

Q. What is an orthodontist?

A. An orthodontist is a dentist who has undergone specialized training to require the advanced qualifications and specialized skills required to give their patients quality treatment.

Q. What causes orthodontic problems?

A. Most orthodontic problems are inherited, but some are acquired.

Q. What is the importance of orthodontic treatment?

A. Orthodontic treatment is important because crooked and crowded teeth are hard to clean and maintain. This may lead to conditions tooth decay, but eventually cause gum disease and tooth loss. Malocclusion (bad bite) can also lead to pain associated with TMD.

Q. What does orthodontic treatment involve?

A. Orthodontic treatment usually involves wearing braces prescribed and designed by the orthodontist. You may feel some tenderness as the teeth start to move. By placing a constant, gentle force in a carefully controlled direction, braces can slowly move teeth through their supporting bone to a new desirable position.

Q. How long does orthodontic treatment take?

A. Generally, orthodontic treatment time with braces ranges from 1 to 3 years. Early treatment procedures may take only a few months. The actual time depends on the growth of the patient's mouth and face, the cooperation of the patient and the how severe the problem is.

Q. How much does orthodontic treatment cost?

A. The actual cost of treatment relies very much on the individual case and depends largely on the length and complexity of treatment.

Q. What toothpaste should your child use?

A. You should use a match-head sized amount of toothpaste. The use of toothpaste should not begin until 2 years of age.

Q. When should you start taking children to see a dentist?

A. It is recommended that children see a dentist by age one and definitely by 16 months of age.

Q. How often should a child see a dentist?

A. It is recommended that the child be seen every six months after the initial examination.

Q. Why is it important to care for primary or baby teeth?

A. It is important to care for primary teeth because they are much more susceptible to tooth decay than the permanent teeth. There are many other reasons.

Q. How are digitized X-rays beneficial?

A. Digitized X-rays reduce the exposure of radiation to the patient, and eliminate the film and darkroom processing within the dental office.