Dental Insurance USA
No Dental Insurance. Quick! You or someone you love is in serious tooth or mouth pain. What do you do? Your first instinct is likely, “Go to the Emergency Room,” but this may A. Result in a long wait and truly staggering hospital bill and B. So…now what? Keep reading. ToothachesFirst-Aid: Rinse with warm water, floss, and, if swollen, cold compress.Can It Wait? Emergency Options As mentioned above, a hospital ER is often not the place to go with dental emergencies?
Call your dentist/specialist; Many have emergency plans that they personally handle or outsource and usually that information is gotten via recording if after hours.Type “emergency dental care” into your closest device with a search engine and find an on-call dentist close to your home (or wherever you are at the time).Call your general-care physician to see what he or she recommends.
Will this cost you? An Ounce of Prevention So, we also recommend: 1. 2. Check out our infographic about dental care and your health below! Find A :DentalPlan. Stand-Alone Dental Insurance. The federal Department of Health and Human Services (HHS) announced that there are 1,129,739 enrollees through Federally-Facilitated Marketplaces who purchased stand-alone dental insurance through the first open enrollment period ending March 31, 2014 for the Affordable Care Act (ACA). That leaves 86 percent of exchange enrollees opting not to purchase stand-alone dental insurance through the exchange. This means that many people gaining insurance through the health care law might not have dental benefits. And that’s actually a significant public health problem, as research shows the health of your teeth and gums has an impact on a person’s overall health and well-being. “Many Americans cannot afford the cost of a stand-alone dental insurance policy on top of buying their health insurance plan,” states Bob Harris, chief executive officer of :DentalPlans.
The ACA also does not require adult dental coverage. That’s where dental savings plans come in. About :DentalPlans Find A :DentalPlan. Dental Options for Single Parents. No one can walk in anyone else’s shoes, so if you are not among this country’s increasing number of single parents, it’s hard to imagine the specific challenges they must face. Moms and dads who share this experience, however, can tell you: They are vast. High among those challenges, of course, are exhaustive financial obligations…and high among those is—what else? – the need for affordable health care. Please. Let us help you with that. At :DentalPlans, we understand that caring for your and your children’s health is not a luxury, but a necessity. One quick call to :DentalPlans or one brief browse through our site will show you: • That one low annual payment (starting at $129.95 for a family) will save you up to 70% on your dental needsm all year long. • That plans include check-ups, x-rays, cleanings, fillings, emergencies, orthodontia, and more advanced procedures. • That we genuinely care.
. • That we also have other plans available…for vision, pharmacy, even chiropractic needs. Rely on us. Root Canals and Wisdom-Teeth Extractions Explained (and Made More Affordable) Let’s paint a picture… You’re sitting in the dentist chair getting a routine cleaning and your dentist says: “You’re going to need a root canal” “I need to extract your wisdom teeth.” If hearing that immediately sent chills down your spine, you’re not alone. Both procedures have long-standing reputations of being painful and expensive. However, knowing what to expect and what financial assistance is available can help ease the blow. There are two good things about root canals: 1. 2. So, you’re going to be healthy and pain-free soon.
A root canal is a second chance at keeping a tooth with deep decay intact. During a procedure, the tooth’s decay is removed from the inside, it’s then cleaned and filled via an access hole that is drilled and then closed, and is then sealed and capped. Root canals can take one or more visits (sometimes sealing and crowing take place at later appointments). A dental savings plan functions a lot like a membership at a warehouse club. Find A :DentalPlan Sources: Denture Cleaning Basics. If you or someone you love is among the millions of seniors who wear dentures, you know their benefits. Chewing and talking are very much facilitated, and then there’s the confidence that comes with maintaining a great smile. But not unlike teens with orthodontia, denture wearers also have two big responsibilities: They need to keep their fragile apparatus clean, fresh, protected, and stain-f They need to maintain their dentures’ integrity and safety, by making regular trips to the dentist.
Here are :DentalPlans’ tips for managing both tasks… Keeping Them Clean Denture wearers have been through a lot. Here’s how to take care of them. What? Carefully remove and rinse dentures After snacks/meals. under water to remove any debris. Them in a sanitary and safe place. A soft toothbrush or gauze to clean remaining teeth or palate. With a mild denture cleaner, soap, or At least once per day. dishwashing liquid, and either a soft toothbrush or denture brush, scrub dentures. Dentures. a mild solution. Not Your Parents Braces. Orthodontic braces have been around for quite a while. Plenty of young people who are getting their teeth straightened right now have parents who wore braces—and maybe grandparents too! One big reason for the longstanding popularity of braces is that they are so effective at moving teeth into better positions. But if you haven’t noticed the improvements in orthodontic appliances lately, you may be in for a surprise: They’re not your parents’ braces.
To start with, let’s look at improvements in traditional metal braces. While standard metal braces remain the most popular type, many people are now choosing ceramic braces instead. Of course, you might wish for braces that are even less noticeable. Around the turn of the new millennium, a new orthodontic system was introduced that doesn’t use braces at all. In addition to these appliances, orthodontists have other tools that can help minimize treatment times, maximize results, and work with the body’s natural growth processes. Financing Dental Care. There’s no doubt about it: dental treatment can be a costly item indeed. The high-tech equipment and highly skilled professionals involved in your care often come along with a hefty price tag. Even people who are covered by dental insurance may be subject to high deductibles and co-pays, and limits on the total cost for certain procedures.
Yet high-quality dental care—whether it’s needed to restore a damaged tooth or to help you get the smile you’ve always wanted—can truly have a positive impact on your life. How can you get access to the care you need, and still keep it from overloading your budget? There are several different methods people commonly use to pay for dental treatment. Let’s take a closer look at the pros and cons of a few of them. Discount Savings Plans Before buying a car, a savvy consumer might call several dealers for a price quote. Like insurance, you need to sign up first (though registration can be processed quickly). Healthcare Installment Loans Credit Cards. Financing Dental Care: Options and Opportunities. Open Enrollment: Are You Covered? February 15 is your last opportunity to enroll for Obamacare (ACA) coverage for 2015. It’s also the deadline to make changes to your existing Obamacare coverage for this year. The only exception will be for those who experience a “qualifying life event,” like a job change or the birth of a child.
If you sign up, or alter your existing policy, by February 15 your new policy will be in effect starting March 1. After the open enrollment closes, consumer must wait until the next open enrollment period (currently set for October 15 through December 7 2015) to purchase a plan or make changes for their 2016 coverage. Obamacare 2015 During the current open enrollment period 9.9 million people have signed up for health coverage –7.5 million through the federal exchange and another 2.4 million on the state exchanges. The administration believes the numbers will continue to climb during this last week of enrollment.
Dental Coverage and Obamacare Find A :DentalPlan. Telemedicine | Dental Insurance. Imagine not having to get dressed and travel to the doctor’s office when you’re ill – no sitting in a waiting room and swapping germs with other sick people before getting treatment for whatever bug has taken up residence in your system. How about being able to have a consultation with a healthcare professional when your kid gets ill outside of your doctor’s business hours? Or not having to take time off work and pay for a doctor’s visit just to get the treatment that you know you need when your spring sinus infection hits once again? Or not ending up with thousands in emergency room bills when you couldn’t get to a doctor or urgent care clinic? Telemedicine eliminates much of the cost, anxiety, and time-wasting annoyances associated with getting professional medical care for common conditions like allergies, rashes, colds and flu, sinus infections, and other easily diagnosed and treated illnesses.
Both plans are backed by our world-class customer service. What Is Teledentistry? It’s easy to figure out how telemedicine works – you don’t need to physically be in a doctor’s presence to get treatment for uncomplicated conditions like allergies or rashes. But teledentistry? That’s a harder concept to grasp – getting dental care is a very hands-on process. But teledentistry is real, and may soon be coming soon to a state near you. California launched its teledentistry program a couple of months ago, and Arizona, .West Virginia, Hawaii, Oregon and Colorado are among the states currently considering passing legislation that would enable them to offer teledentistry programs to residents of those states. Teledentistry got its start back in the ‘90s, when it was used by the U.S. In civilian life, teledentistry is a new way of getting dental treatment.
The hygienists and dental assistants work from temporary clinics – schools, community centers, nursing homes, etc. The return on investment is expected to be significant. Not Your Parents Braces. What Is The Best Dental Insurance For Individuals? If you have traditional dental insurance you almost certainly got it as part of a great benefits package, are a service member or family to a person in the military, or you’re a child whose coverage is possibly due to Obamacare. People who are self-employed, who own or work for a small company, or who are on a fixed budget tend to figure they’ll delay getting dental coverage until they get really bad news from their dentist.
And unfortunately Obamacare hasn’t made it easier for individuals to get dental insurance. You can’t just buy dental insurance under the Affordable Care Act, you first have to buy an Obamacare healthcare policy on the ACA marketplace. Even if you do have an ACA health plan, the cost of dental insurance may not be offset by federal tax credits or other federal financial assistance. If your plan is bundled you’re your healthcare coverage, you probably have a very high deductible. What do I Need To Know About Dental Insurance?
Can I get Dental Insurance Immediately? Reducing Dental Benefits Is Expensive. You just can’t run away from dental care problems, according to a new study that reviews the costs associated with California’s cuts in the state’s public dental coverage. When California cut comprehensive dental coverage from the state’s public health insurance plan, in an attempt to control health care costs, emergency room visits for dental problems rose sharply, increasing by nearly 1,800 additional ER visits per year. And average yearly costs associated with dental emergency room visits increased by 68 percent. The study “Eliminating Medicaid Adult Dental Coverage In California Led To Increased Dental Emergency Visits And Associated Costs,” was published in Health Affairs, a health policy, peer-reviewed journal.
Astha Singhal, the study’s lead author, stresses that the study’s findings are particularly critical now, as U.S. states either expand or consider expanding their Medicaid programs under the 2010 Affordable Care Act (ACA). Medicaid and Dental Coverage. Dental Insurance - Should You Get It? The newly released :DentalPlans SmileIndex™, an annual survey on oral care access and affordability, confirms a big gap in peoples’ ability to obtain dental insurance. Unsurprisingly, cost was the biggest reason cited by respondents for not having dental coverage. :DentalPlans SmileIndex shows that 62 percent of the nationwide respondents were found to have have dental insurance. Respondents with dental insurance tend to be younger, married with children, have a Bachelor’s degree, and make $50,000+ (75 percent of respondents with dental insurance make between $50,000 -$99,000 and 85 percent of those with incomes greater than $100,000).
But only 39 percent of those making less than $25,000 have dental insurance. Of the respondents without dental insurance 58 percent stated it was not affordable, while 21 percent said it was not offered through their employer, and 15 percent said it was not necessary. Dental savings plans are affordable, easy, and offer quality access to dental services. Dental Emergencies. When you or a loved one has a tooth that is loose, broken, has been knocked out of your mouth or forced out of position the absolute best thing to do is to get to the dentist as quickly as you can.
If you can get treatment within an hour or so of the incident it’s more likely that the tooth can be saved – dependent on the type and severity of the injury of course. In any case, fast treatment will reduce pain and the chance of infection. So the first thing you do immediately following any injury to the teeth is to call your dentist and book an emergency appointment. Then follow the steps below to increase the chances that treatment will be successful.
What should I do when a tooth is knocked out? Note: this information is for adult/permanent teeth only. If you have the tooth that was knocked out, take it to your dentist. Don’t touch the root end (the part that was below your gum). Keep the tooth moist. What should I do when a tooth is cracked or broken? Dental Emergency – And No Insurance? Emergencies don’t keep regular hours—they often occur when you least expect them. Some people wake up in the middle of the night with a throbbing pain deep in the jaw; others have a tooth knocked out during a weekend game of backyard basketball. It’s stressful enough when a dental emergency happens—even without worrying about how you’re going to pay for it if you don’t have dental insurance. But one thing is certain: You shouldn’t let the lack of insurance stop you from getting needed treatment. Here are five suggestions for uninsured people dealing with dental emergencies. 1) Be Prepared for an Emergency Do you know what to do if disease or accident results in injury to your teeth, jaw, or the soft tissue of your mouth?
2) Seek Immediate Help When Necessary When an emergency is potentially life-threatening, there’s no time to think about the cost. 3) Schedule Treatment When Possible 4) Use a Dental Discount Plan 5) Get Regular Preventive Care.