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July 29, 2007

Where do I get dental discount plans? I need to fill my cavities and don't have dental insurance...

You can get your discount dental plans online here - http://www.a1-dental-insurance.com. You can check out the benefits, discounts.

Choose a dental discount plan that is local to your area, that has a dentist near you who is willing to accept it and that offers substantial discounts on the treatment you are seeking.

Apart from this you have following options.

2. For really cheap treatment but reasonable quality care find a dental school near you, register with them if they will take you as patient and get the work done.

3. If that doesn't work out get yourself to your local county hospital. Most have a dentist attached and you will get good quality care for almost free or for a nominal fee.

4.Option 4 is talking it out with your dentist, ask him what is the basic minimum that he will charge. Tell him you don't have dental insurance and will he take you up with out one. Many dentists prefer treating patients this way as they don't have to deal with dental insurance companies and getting paid after a lot of paper work. You can also plan out treatment over the course of year so you can pay the money over a longer period.

5. Option 5: It is something I discovered recently. Border towns in Mexico are offering dental treatment at less than one fourth what it costs in the States. You can travel to these towns and get treated. I can't give you

6. Option 6: Explore whether you can get treated in another country like India, Romania, Eastern European countries. They have good quality medical centers that treat you at less than 1/10 th of what it costs here. But you have to figure travelling and accomodation charges and also food and distruption at work and home. But you get a free holiday thrown in!

But of course if you need just a cavity to filled than the last 2 options are not cost effective. But you can try them out if you need a large amount of dental care.

July 27, 2007

Dental Insurance Vs Dental Discount Plans

Dental insurance usually is provided by employers to their employees. The employer purchases it at group rates. This makes dental insurance substantially cheap then when purchased privately.

On the other hand, a discount dental plan costs only a fraction of what dental insurance would cost making it very affordable. This is because it eliminates the dental insurance company and negotiates a deal with the dentists for lower cost treatment and provides it to it's members.

Which is better the debate contiues...

July 10, 2007

Family Dental Insurance Allowing Rollover of Dental Benefits

A large number of employers want employees to contribute more towards dental premiums. Some have altogether dropped offering dental benefits to their employees. Increased payments towards family dental insurance is not a very attractive prospect for employees who enjoy good dental health. Many of these people hardly use their insurance for anything apart from the routine check-ups and cleanings.

Under such circumstances family dental insurance companies saw a high percentage of employees opting out of their dental plans altogether. This is not a good precedent at all. One it means more people are falling out of dental health network. Only recently studies have proven that good oral health means could overall health. Which could directly result in increased savings on the medical bills.

Second factor, is that only high-risk patients opting for the family dental insurance increases the costs remain in the plan and also for the insurers. Not attractive for either.

To make the dental plans more attractive for the group of people dropping out the insurers are allowing members to roll over their unused maximum treatment limits to next year. Suppose your annual limit is $1200 dollars and you use say 500 dollars of this amount then you can roll over a percentage of this remaining 700 dollars to the next year. Some plans cap the number of years you can rollover this annual limit.

Also, you are required to make atleast one visit to the dentist every year for this roll over to take effect. According to the family dental insurance companies they want members to take advantage of the preventive care package to keep their gums healthy and prevent tooth decay.

Also, many screening tests and dental implants are also being covered under the family dental insurance to try to keep the members from dropping out.

For more details on dental insurance and dental plans visit:


http://www.a1-dental-insurance.com


Dental Insurance Plans


http://www.ezinemarketingcenter.com/dental-insurance/

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July 09, 2007

Factors You Should Consider Before Buying Dental Plans

1. Monthly or Yearly Subscription: Most dental discount plans are yearly subscriptions. However some offer monthly subscriptions at a slightly higher rate. Supposing you have bought a dental insurance and it will be sometime before it is activated or planning to get a dental insurance then you can buy a dental discount plan for the interim period on a monthly basis. This will be a money saver for you.

2. Dentists In Your Area - Find
dental plans that is being accepted by dentists in your local area. Buying a dental plan with no local takes is a waste of money. Check out if the specialists also accept the dental plan you plan on buying. You can get discount even on specialist care that way.

3. Cost Vs Discounts - A higher subscription dental plan may offer greater discounts than a low cost one. So, plan carefully. If you and your family will be needing a lot of costly dental treatment than it would be better to get a higher cost dental plan.

4. Dental Plan Company Track Record: Find a company that has a good track record. Some fly-by-night dental plan operators sell discount dental plans which no dentist will accept. You will be left holding worthless piece of paper.

5. Waiting periods - Most
dental plans are activated with in 3-7 business days. If it takes longer than that may be it is not worth buying it.

6. Does specialist treatment also qualify for discounts? Are there enough specialists in your area?

7. Check the discount payment structure of the various dental plans, call up a few dentists and find out what additional charges will be added to particular treatments costs. Make an educated buying decision.

8. Remember that dental plans are not dental insurance and you will never get hundred percent discount on any treatment.

9. Don't buy dental plans that have limitations,restrictions,waiting periods.

10. Most dental plans offer free dental cleanings, x-rays, and twice yearly check-ups. Find out if your plan offers these.

For more details on dental insurance and dental plans visit:


http://www.a1-dental-insurance.com


Dental Insurance Plans


http://www.ezinemarketingcenter.com/dental-insurance/

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July 05, 2007

Flaws In Dental Insurance

Dental Insurance has its flaws. But to really understand and gain the maximum from your dental insurance policy you need a clear understanding of them. So, here are the majar drawbacks of dental insurance in a nutshell:

Limitations: The following limitations can be usually found in your dental insurance policy:


  • 1. Dentist you can avail treatment from

  • 2. Limitation on cost per type of treatment

  • 3. LEAT - least expensive alternative treatment will be the basis for payment

  • 4. There will limit on how much you can spend for dental treatment in a year called the annual limit

  • 5. Deductibles - You dental insurance will come into effect only after you have paid a minimum deductible established by the dental insurance company


This limitations are included in the dental insurance policy document to safeguard the dental insurance company from excessive claims.

Waiting Periods:

You can not buy a dental insurance policy and immediately start availing the benefits. You need to wait a minimum of 6 months to one year for most major treatment categories and for some you need to wait atleast a couple of years.

Claims Process:

The claims process can be long and tedious. You need to fill in the forms and attach the payment receipts and submit directly or get it endorsed by your dentist. Some policies require the dentist the send in the claims process. After the claims forms have been submitted you have to wait for certain period of time till everything is verified by the dental insurance company and the payment will be sent to you if you have paid the amount or directly to the dentist.

Pre-existing Conditions

Most policies will not pay for pre-exisiting dental conditions. If this is your major area of treatment then you will shelling quite a bit of money out of your pocket while paying the dental insurance companies their premiums and getting nothing out of the deal from them.

Cosmetic Dentistry Excluded

Depending on the dental insurance policy and amount of premimums you pay many categories and sub-specialities of dentistry may be excluded. Cosmetic dentistry is excluded by most and certain treatments like implants, braces etc. may be excluded too. So, verify with your dental insurance policy before you avail of expensive dental procedures. There is added problem of annual limits.

Heavy premiums - limited cover

You will be paying high premiums and getting only limited coverage of dental treatment costs.

Biggest drawback - not available to individuals and families independant of the employer:

Dental insurance is typically offered only through employers. You won't be able to get it outside of your employer. Self-employed and the unemployed typically don't have access to dental insurance.

For more details on dental insurance and dental plans visit:

http://www.a1-dental-insurance.com

Dental Insurance Plans

http://www.ezinemarketingcenter.com/dental-insurance/

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July 04, 2007

Denti-Cal Dental Insurance Program - Faulty Implementation

It is ironic but true. Over $130 million dollars that were allocated to provide dental care for the poor have not been spent over the past seven years in California and was returned to the Government as unutilised money. While there are thousands of poor patients looking for affordable dental care and not getting it in California.

The disconnect in this situation can be traced to the high entry barriers that the state has put up for dentists and health care providers to be part of the Denti-Cal dental insurance program. This program jointly funded by the State and Federal Governments is intended for those who can't afford the cost of dental treatment.

The dental insurance program is being run by Delta Dental.

The state officials won't agree that there was any disconnect. They say it is simply a accounting transanction because they were unable to forecast the acutal need for dental care in California and had allocated a larger amount than was necessary.

That reasoning is far from the truth according to the dentists and other health care providers.

Dentists are not willing to treat Denti-Cal patients as the State pays them about a third of what a privately adminstered plan would pay for the same procedure. Apart from that there are other barriers too. The 24 thousand strong dentists assoication boasts many memebers in the Denti-Cal program. But not many treat Denti-Cal patients. The hassles are too many to bother with the State-run program.

Inspite of the State and Federal government setting out to provide affordable dental care to the poor in California it is in the implementation that the dental insurance program suffers.

Meanwhile thousands of poor patients wait to be accepted by dentists. The Denti-Cal dental insurance program is their only hope for quality affordable dental care. Will, the state officials wake up to this reality and make the dental insurance plan more relevant to the people for whom it has be created.

For more details on dental insurance and dental plans visit:


http://www.a1-dental-insurance.com


Dental Insurance Plans


http://www.ezinemarketingcenter.com/dental-insurance/

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