Your employer may offer multiple dental insurance plans, or you may shop for your own one. Either way, you must choose what fits your dental care needs best. There are many things to think about when making that choice. Will you be able to see your regular dentist? Will it cover the care you need? And how much will it cost?

The cost of the dental insurance plan isn’t the only thing to think about. Your plan may also have deductibles, copays, coinsurance, and other cost-sharing requirements. These are all ways to split dental care costs between you and your insurer. Make sure you understand what your costs will be before you make a choice.

Types of plans differ in how they give you access to care and how they set up costs. Most plans have a network of providers. If you go outside the network, you usually pay more. Different plans use different methods to decide how much you pay for out-of-network care.

Before you choose a plan:

1. Make sure you know what’s covered and what it costs.
2. Ensure the plan’s network includes dentists and dental specialists near your workplace or home. 
3. Check with those dentists to ensure they are still in the plan’s network and accepting new patients.
4. Check each plan’s description online or in booklet form. If there’s something you don’t understand, ask.

If you do not receive dental insurance through work or seek a better coverage plan, contact our member service line at 310-534-3444. Our team of experts will help you understand each plan’s different options and benefits. They will guide you in selecting the best plan to provide your family with the necessary coverage at a price that fits your budget.

Negotiating your dental cost:  When it comes to your dental care cost, one good tip is to do a little shopping/homework. Doing a little work can save you money on your dental care needs. It would help if you never assumed the asking price for a particular service is the final amount your dental provider will accept.  

•  First, shop and find the average procedure cost that you need in your area. Call a few local providers to determine your area’s average price. You can also visit Fairhealthconsumer.org, and by entering your zip code and the dental procedure, it will provide you with the UCR in your area for that service.  
• Second, once you know the going rate, ask your dentist to accept the rate you find (if it is higher) or negotiate an even lower price. In addition, many dental offices will provide a cash discount if you pay in full for your dental care when the service is rendered.

In conclusion, by researching and being proactive, you can save money on your dental care needs. You can start by determining the average cost of dental procedures in your area and then ask your dentist to accept that rate or negotiate an even lower price. Additionally, paying in full at the time of service may earn you a cash discount. So, feel free to negotiate your dental care cost and be an informed patient to get the best deal for your dental health.

What is a Dental Filling?

A dental filling is a restorative material to repair teeth damaged by decay or trauma. The filling material replaces the damaged or decayed portion of the tooth, restoring its shape, function, and strength. Several dental fillings are available, including composite resin, amalgam, gold, and ceramic. The choice of filling material depends on the damage’s extent, the tooth’s location, and the patient’s personal preferences. Dental fillings are a standard procedure and are typically done in a single visit to the dentist.

Advancements in Dental Fillings: Resin Infiltration Fillings

Most dental patients have not heard of this type of filling because it is new and on the cutting edge of dental restoration advancements. This method includes using a thin, perforated sheet to slide between the teeth with a dental cavity. A special gel is then pushed into the cavity to clean it of bacteria thoroughly. Next, the filling resin is applied to the cavity. The resin dries quickly using a special dental curing light, causing it to set and become solid between the teeth.

With resin infiltration, there is no pain to the patient and no need for anesthetics or drilling. Due to its nature, this treatment is perfect for filling cavities between the teeth but is generally not used for decay in more accessible parts of the tooth.

What are Dental Veneers? 

Dental veneers are thin, custom-made shells designed to cover the front surface of teeth to improve their appearance. They are typically made of porcelain or composite resin and are bonded to the teeth to change their size, shape, color, or length. Dental veneers can be used to correct a variety of cosmetic dental issues, including chipped, stained, or misaligned teeth. They are a popular cosmetic dentistry procedure because they can dramatically improve a patient’s smile.

Advances in Dental Veneers

Dentists have used porcelain veneers as a popular cosmetic dentistry procedure for several years. To apply a veneer, the dentist has to drill away a portion of the tooth before placing it on top. However, dentists are now able to preserve more of the tooth. 

Currently, thinner porcelain used in modern veneers is just as strong as thicker versions used in the past. Thinner veneers have a few advantages over thicker ones:

1. Getting thin veneers requires less tooth reduction, so more natural tooth structure is preserved. Thinner veneers can significantly benefit patients with thin enamel or weak teeth.
2. Thin veneers look more natural and allow for a better fit, which helps prevent discomfort or sensitivity.
3. Because less tooth structure is removed, getting thin veneers is often less invasive and requires less time in the dentist’s chair.

Since dental veneers fall under cosmetic dentistry procedure services, not all dental insurance plans provide coverage for veneers. If you have dental insurance, you should confirm your plan benefits if you are considering getting dental veneers.

Ceramic Material Is Stronger Than It Was in the Past

Many of today’s dentists offer advanced dental restoration services using high-quality ceramic materials. These materials have come a long way since the past, and today’s dentists use Polycrystalline Zirconia, which resembles natural teeth in appearance and strength. Polycrystalline Zirconia material is known for its durability and can withstand chewing pressure, making it an excellent choice for dental restorations. Additionally, it allows dentists to preserve more of a patient’s natural tooth structure, which is always preferable. Ensure you see a dentist who can provide the best advanced dental restoration with the most advanced materials available.

A straightforward way to help your baby with teething pain is to massage their gums with your finger. Massaging your baby’s gums helps to alleviate tooth pain. Another teething idea is letting your child chew on a pacifier. Keeping a few in the freezer so that it is cool can also help to reduce teething pain. Other people also like to use a cold, wet baby washcloth. They are accessible for the baby to hold and help absorb some of the baby’s drool while teething. Pain gel is another good option that helps to numb baby gums for a short period.

If you want your mercury filling replaced, the first step is to schedule an appointment with a dentist. During the appointment, the dentist will examine your filling and determine if it needs to be replaced. They will also discuss the potential risks and benefits of replacing the filling.

If you and your dentist decide that replacing the mercury filling is the best option, the dentist will numb the area around the tooth and remove the old filling. They will then clean the area and prepare it for the new filling.

Porcelain fillings are a popular option for replacement fillings as they are strong and can be custom-made to match the color of your teeth. Once the new filling is in place, the dentist will make any necessary adjustments to ensure that it fits correctly and that your bite is comfortable.

It is important to note that while replacing a mercury filling can be a good option for some people, it is not always necessary. Talk to your dentist about your situation to determine if replacing your mercury filling is the best option.

The coverage of dental insurance for replacing a mercury filling depends on the insurance company’s policy. Some insurance companies may cover the cost of replacing a mercury filling if necessary for dental health reasons, while others may not. It is best to check with your dental insurance provider to see if they cover the cost of replacing mercury fillings.

Amalgam fillings are useful in baby teeth. If a child still has their baby teeth but needs a filling, paying the high cost for white filling on teeth that their adult teeth will soon replace may not be the best affordable option. Cost may not be an issue for some people, but if it is, an amalgam filling is a very affordable filling option.

An additional reason why you may want to have amalgam fillings. Amalgam filling can withstand high pressure. They become helpful in filling in molars where the chewing load is higher. Amalgam filling is well tolerated by most people, with only rare occurrences of allergic response. Course amalgam filling is silver in color, which may be okay for back teeth that are not easily seen but might not be what you would want to have towards the front of your mouth.

While amalgam fillings have many advantages, they also have some disadvantages. One of the most significant drawbacks is their appearance. Amalgam fillings are silver in color, which may not be desirable for front teeth that are easily visible. Additionally, some patients may be allergic to the metals in amalgam fillings, although this is rare.

Ultimately, the choice of material for dental fillings is personal and should be made in consultation with your dentist. Your dentist can help you weigh the advantages and disadvantages of each filling material and choose the one that is best for your specific needs. Remember, all dental services are less expensive when you have dental insurance or a dental discount plan. So keep us in mind for your dental plan needs.

Even though fillings can last many years, they do not last forever. There may come a time when you will need to replace your old fillings. Did you know you can wear down a filling by constant pressure from chewing when eating? Other people may also grind or clench their teeth knowingly or not, which will also cause wear on older fillings.

You can not see the wear down on your fillings, but your dentist can. Usually, a dentist can spot weaknesses in fillings during your regular checkups. People who do not have regular checkups can wear down their fillings and have more significant dental issues. If the seal between the tooth and the filling breaks down, you leave your tooth open to new decay. If left untreated, the decay can progress to the dental pulp and cause infection or abscess. In which case can lead to more extensive dental services such as a root canal.

You can see the importance of regular dental visits. Many times, people do not know this is happening until they start to have tooth pain. Preventive dental care not only saves you from unwanted dental pain but, in the long run, will save you from higher-cost dental services.

Many low-cost dental insurance plans, such as HMO dental insurance plans, offer free office visits, checkups, X-rays, and cleanings. Buying and using dental insurance can save money and help keep a beautiful smile.

What is Acid Reflux, and how does it affect your teeth? Acid reflux is a condition that occurs when stomach acid flows back into the esophagus. Acid Reflux can cause a range of symptoms, including heartburn, regurgitation, and nausea. However, many people are unaware that acid reflux can damage their teeth. The acid from the stomach can erode the enamel on your teeth, leading to tooth sensitivity, discoloration, and even tooth decay. It’s essential to be aware of this potential complication and take steps to protect your teeth if you suffer from acid reflux.

Acid Reflux Dental Care Tips

If you suffer from acid reflux, taking care of your teeth is vital to avoid potential damage. Here are some dental care tips to help you protect your teeth:

1. Rinse with baking soda: After an acid reflux episode, rinse your mouth with baking soda to neutralize the stomach acid. Avoid brushing your teeth immediately after, as the abrasive action of the toothbrush can damage the weakened enamel.
2. Keep a food diary: Keep track of the foods that trigger your acid reflux symptoms and avoid them as much as possible. A food diary can help reduce the frequency and intensity of your symptoms when you know the foods that bother you and protect your teeth from further damage.
3. Consult with your dentist: Talk to your dentist about your acid reflux and the potential damage it can cause to your teeth. Your dentist can provide personalized advice on protecting your teeth and maintaining good oral health.

When buying dental insurance for adult braces, read the terms and conditions of each plan carefully. Although there are dental insurance plans that will offer adult braces, there are still many dental insurance plans that only provide Orthodontic dental services to minors.

Remember that when shopping for adult braces, many dental insurance plans only offer coverage for basic metal braces. Metal braces may be fine for a child, but that may not be the case for an adult if you want clear braces, Invisalign, or any other specialty braces not covered under dental insurance. In that case, you may wish to review a dental discount plan for your Orthodontic needs.

On a dental discount plan, they offer dental savings off any braces for any age group. Therefore, a dental discount plan would save you money on your orthodontic needs as long as there is an orthodontic dentist in the plan who provides the type of services you are looking for.

Even though fillings can last many years, they do not last forever. There may come a time when you will need to replace your old fillings. You want to know how to avoid wearing down a filling by constant pressure from chewing when eating. Other people may also grind or clench their teeth knowingly or not, which will also cause wear on older fillings.

You can not see the wearing down on your fillings, but your dentist can. Usually, a dentist can spot weaknesses in fillings during your regular checkups. People who do not have regular checkups can wear down their fillings and have more significant dental issues. If the seal between the tooth and the filling breaks down, you leave your tooth open to new decay. If left untreated, the decay can progress to the dental pulp and cause infection or abscess. In which case can lead to more extensive dental services such as a root canal.

You can see the importance of regular dental visits. People often do not know this is happening until they start to have tooth pain. Preventive dental care not only saves you from unwanted dental pain but, in the long run, will save you from higher-cost dental services.

Many low-cost dental insurance plans, such as HMOs, offer free office visits, checkups, X-rays, and cleanings. Buying and using dental insurance can save money and help keep a beautiful smile.

I live in Florida, and I want an affordable family dental plan that I can get for my wife and two children. Currently, we do not have any dental insurance. I can afford to spend around $50 – $70 monthly for a family dental insurance plan. What do you offer in my price range, and how fast can we use it?

Reply: There may be a few PPO plans that would be in your budgeted range. HMO insurance plans are within your budget, so you should consider an HMO dental insurance plan option. 

What is an HMO dental insurance plan? 

An HMO dental insurance plan is a type of dental insurance plan that allows you to choose a primary care dentist who will provide most of your dental care. You will need a referral from your primary care dentist to see a specialist. HMO dental plans tend to have lower monthly premiums and copayments than PPO plans, but they also have a more limited network of dentists. With an HMO dental insurance plan, you’ll typically pay less out of pocket for preventive care, such as regular cleanings and checkups.

The cost of an HMO dental insurance plan for a family can vary depending on several factors, including your location, the level of coverage you choose, and the number of people covered under the plan. That being said, HMO dental plans tend to have lower monthly premiums and copayments than PPO plans, making them a more affordable option for many families. On average, you can expect to pay anywhere from $45 to $85.00 per month for an HMO dental insurance plan that covers a family of four.

I live in San Pedro, California. I am 19, and although I am still on my parent’s medical, they do not have dental or vision, and I need both right now. I do not want my parents to have to pay for my dental and vision needs, but I really could use some help. I am new to all this and do not know where to look on a low fixed budget or what plan type would be best for me to get. Any helpful advice you can offer me so I can make the best decision?  

Reply: There are various types of dental insurance plans available in the market, and the best one for you depends on your specific needs and budget. However, if you are looking for a low-cost plan offering basic coverage, then a dental HMO insurance plan may be an excellent option. These plans typically have lower monthly premiums than dental PPO insurance plans.  

Our HMO dental insurance plans run around $7.95 to $ 18.95 monthly. At the same time, our vision insurance runs $14.51 monthly for individuals. Researching and comparing different programs is vital to finding the one that best suits your needs. Call our member service line at 310-534-3444, and we are happy to help you with your dental and vision insurance needs. 

Question: I want an inexpensive dental care plan for my six-year-old son. I have little money and only seek something for my son’s dental healthcare.  

Reply:  The lower-cost dental insurance option would be an HMO insurance plan. HMO plans typically run around $8.00 – $20.00 for an individual plan. However, not all HMOs will accept a minor on their single programs; therefore, you must be on the dental insurance plan with your minor son. A couple plan costs around $15.00 – $30.00 monthly. Depending on your budget, including yourself in the plan may still be affordable. 

The Benefits of an HMO Dental Insurance Plan.

• HMO dental insurance plans often have lower monthly premiums compared to other plans. 
• HMOs usually cover preventive care services, such as regular check-ups and cleanings, at little or no cost to you. 
• Another advantage of an HMO plan is that you will have a network of dentists to choose from within the plan, making it easier to find a dentist who accepts your insurance and is located near you. 
• Typically, HMO dental plans do not have a waiting period for services to be covered. 

Dentists worry that teenagers are risking their teeth and oral health by trying dangerous do-it-yourself teeth-whitening techniques on the Internet. Too many teenagers use online tips for do-it-yourself teeth whitening since money and access to proper dental whitening care may be outside their reach. However, Children who mix quantities of different chemicals and apply them for long periods are at risk of eroding their tooth enamel and damaging their gums, increasing their risk of oral infection.

Whitening toothpaste can help remove surface stains on teeth and be a good option for those who want to maintain their teeth’s brightness after professional whitening treatment. However, they do not have the same strength as professional teeth whitening treatments and may not be effective for deep stains. It’s important to note that excessive toothpaste whitening can also damage tooth enamel, so it’s best to follow the instructions and use it in moderation. Suppose you’re looking for a more dramatic change in the color of your teeth. In that case, it’s best to consult your dentist about professional teeth whitening options or ask them the best course of action: talk to your dentist about safely whitening your teeth or what over-the-counter product they may suggest.

Question: Right now, I have a toothache, but I will be starting a new job offering dental benefits, which will take a few months to use. I want to find dental insurance on a short-term basis. I have been holding out until my benefits kick in at work, but I don’t think I can. Do you have any dental plans I do not have to keep for a year or more?  

Reply: HMO Dental Insurance plans can be a good option for short-term use because they typically have lower monthly premiums and can provide coverage for basic dental services like cleanings, fillings, and extractions. However, it’s important to note that HMO plans often require you to choose a dentist within their network and may have limitations on the types of procedures and specialists covered. Reviewing the plan details carefully before enrolling is always a good idea to ensure it meets your specific needs.

I have a dental PPO insurance plan and live in NY. I would like to know what the plans UCR fees are before having the dental services rendered because I keep getting hit by additional UCR costs (that I only sometimes have the money for) that I am unaware of when I have the dental service.  

Answer: To budget dental service under a PPO plan and avoid UCR fees or at least know the charges, you must first have your dentist submit a quote-only claim. Suppose your dentist submits a claim as a quote only to your insurance company before starting the dental services. In that case, your insurance company will then be able to provide you with the amount they will pay for the services before you have them done. This way, you will know the dollar amount of what you will be responsible for. Usually, this is done for dental services exceeding $300.00. Talk to your dentist and let them know this is how you like to have things done in the future.

Each tooth in the mouth contains four different tissues, each with another function. Your teeth are made up of two major parts: the crown and the root. The crown of the tooth is what is visible in your mouth. The tooth’s root is the portion normally not visible in your mouth and is anchored within the bone. Within each tooth, the four tissues present are the enamel, the dentin, the pulp, and the cementum.

• Enamel: The tooth enamel makes up the protective outer surface of the tooth’s crown.
• Dentin: Dentin makes up the majority of the inner surface of the tooth. It can’t commonly be seen except on X-rays.
• Pulp: The pulp is the area inside the tooth that holds the nerves and blood vessels of the tooth. It is in the center of the tooth and is in both its crown and root.
• Cementum: Makes up the outer surface of the tooth’s root, and it is much softer than enamel.

Question: I have a fixed income and can not afford a dental PPO insurance plan. Therefore, I am looking into HMO dental insurance plans. However, since I am new to picking a plan provider, can you advise me on choosing a good dentist? 

Answer: When having to choose a dentist in a network-provided plan like a dental HMO, here are a few tips you may want to keep in mind:

1) Call the providers listed and confirm they are still accepting the plan and new members.

2) Confirm anything important to you, but keep it simple. Such as hours of operation, how far booked up they are, and whether they do the type of dental services you are looking for. You may ask if they have a website so you can review detailed information about their practice. However, avoid questions like “How much is it to fix my broken tooth?” After seeing you and examining your tooth, they will know that type of question.

3) Make sure the plan you are reviewing has more than one dental office as a provider in your area(or however far you are willing to travel). You want a dental HMO plan with at least three or more dental offices, so if you want to change dental offices, you can do so.

4) If you want to know more about the dental office in question, try reviewing online review sites such as Yelp or Angie’s list

HMO insurance plans are usually the more affordable and budget-friendly dental insurance option. However, they only really work if there is a dentist in their network you want to go to. So, taking the time to talk to and review the dental providers in the plan network of providers is worth doing. The more you like your dentist, the more likely you will be to maintain your dental health care.