What kind of dental coverage should I get? What are my dental care options for insurance coverage?
You have two options: Dental insurance or Dental discount plans.
Dental Insurance can be expensive on a monthly basis; yet, you typically will get at least one free cleaning per year.
With dental insurance, you will have a deductible, benefit maximums and percentages and waiting periods for basic and major restorative work.
If you see a dentist in a specific network, orthodontic-related procedures have limits normally to a maximum benefit of $400-$600.
Dental Discount Plans
Dental discount plans are just that – discounts. They offer a list of dentists that offer the special pre-negotiated service charges.
There are no waiting periods, no maximums, no deductibles and no free cleanings.
These plans are very affordable with the biggest discounts offered on major restorative benefits.
Some people prefer to “shop” for discounted dental services on sites like Groupon and LivingSocial.
Others prefer to visit a local dental school where students “practice” their dental skills (with teachers observing) and receive dental care at a discounted service rates.
Results of Poor Oral Hygiene
Poor oral hygiene doesn’t just result in soreness in your mouth or toothaches.
If you have cavities, periodontal disease, missing or rotten teeth, the effects on your body can be immense.
According to the Mayo Clinic, your mouth is a window to your overall health.
As a result of poor oral hygiene, conditions have been linked.
Heart conditions such as Endocarditis and Cardiovascular disease, Diabetes, Osteoporosis, Alzheimer’s, Eating disorders, Rheumatoid Arthritis, Head and Neck Cancers and immune system disorders have all been associated with poor oral care.
Gum disease could also increase your risk to respiratory infections, such as pneumonia and chronic obstructive pulmonary disease (COPD), according to a study from the Journal of Periodontology.
Your Daily Oral Care
Practicing good oral hygiene every day is critical.
Brush your teeth at least twice a day with fluoride toothpaste, floss daily and eat a healthy diet.
Replace your toothbrush every 3-4 months or sooner, especially if the bristles are frayed.
Schedule regular dental checkups and cleanings and avoid tobacco use.
When you do need to see a dental healthcare provider, be sure you have adequate insurance coverage to limit your out-of-pocket costs.
At some point, even with daily self-care, we all need to sit in a dental chair.
In conclusion, take some time to discuss your dental insurance coverage options by phone or schedule a webinar with a licensed insurance expert. Review the exact benefits available so you can ask questions.
Call 281.979.5441 or contact us via email to setup a day/time that’s convenient for you to discuss your current dental insurance coverage!
It may be the most informative 2-3 minutes of your life.