I am a working single mom.   I work part time so I can be at home when my child is off from school.  We do not have dental insurance and I am finding dental insurance to costly for me to get.  I been looking at some of the dental discount plans you have to offer but since I never bough a discount plan before can you tell me how they work?

Reply: With dental discount plans you are receiving reduce cost for your dental services at dental offices that are providers of the plan.  Most dental discount plans will provide a discounted fee schedule that shows your discounted cost for many dental services at a general/family dental provider office.  Normally for dental services not listed on this schedule you received 15-20 percent saving off the dentist normal charges for that service.   You will also received around 15-20 percent off any plan specialist cost if you choose to go to a specialist in the plan.  Note not all discount plans are the same so make sure you do read the plans terms and conditions to be sure of it’s benefits.

I live in New York NY and I am looking at the many different discount plan you have to offer.  Price wise they seem good.  Since I am looking for something that is low cost.  However I worry that dental discount plans are really not any good.  How do you know that you are even getting the discounts that you should?

Reply: With many of our dental discount plans they do provide a discounted fee schedule that show the set discounted priced charged for the dental care service done by the plans general of family dentist.  Matching the service code to the schedule will help you to confirm that you are being charged correctly.

However if you are worried about dental discount plans not being insurance you may also want to compare our dental discount plans with our dental HMO insurance plans we also provide in the state of New York.  Dental HMO insurance plans are the lower cost insurance options that may also fit your dental care needs.

Question: I am 75 and living on a very fixed income my teeth are okay but I still need to see a dentist in which I have not been to one in a few years.  Are there any low cost senior citizens dental insurance plans that I can get?   I been looking at a few plans with my daughter’s help but it seems I have to pay more and get less coverage’s for being a senior.  Are the any plans that do not do this.

Answer: There are some dental plan that have high rates and lower benefits for seniors that is true. However we do provide many dental insurance and plan options that dose not have age effecting rate or coverage’s.

We do not have any “senior citizens” dental plans however we do provide quite a few lower cost dental insurance and plan options depending on the state you are in.  To review all of our dental plan options just enter your zip in the quote box provided.  If you have any questions about the available plans please call our customer service line at 310-534-3444 as they be happy to assist you with finding the right plan for your current dental needs.

My wife just had our son so will be taking time off from work. We also have a  daughter who is four and see the dentist twice a year. In the past we pay cash for our family dental needs.

However my wife teeth and gums started giving her some issues beyond just having twice a year cleaning, she really needs more dental work then we can afford to pay by cash for.  Looking for a low income or affordable dental plan I can get that will help us with the cost.

Reply: On our website we offer lower cost HMO insurance plans in most states as well as dental discount plans.  These two type of dental insurance and plan options help to reduce the cost of your family dental care at very affordable cost to you.  In order to review the plans we have available to you in your state just enter your zip code in the quote box provided.  If you have any questions about the available plans please call our customer services line at 310-534-3444 as they will be happy to assist you with finding the best dental plan for your family dental care needs.

I have a family of five. We go to the dentist two times a year as advised,  but our dental cost are getting to the point that we really can not afford to go when needed. We would like to get a dental plan that is fairly low cost and will help with reducing our family dental bills.

Reply: Lower cost family dental insurance plans would be the HMO’s insurance options.  HMO’s insurance plans are normally lower cost ranging from $20 – $40.00 a month for a family plan.  However under an HMO dental insurance plan you will need to go to a plan provider.  That may mean choosing a new dental office.

Reviewing your dental insurance plans I notice you also offer dental discount choices.  How would you advise someone who is thinking about getting a dental plan what to look for.  I can not afford the dental insurance choices I seen on line so it come down to getting a plan in order to save any money off my dental services.  I just not sure how to tell which plan would be better.

Reply: With dental discount plans here are a few things to check off to make sure you are getting the plan that right for your needs.

1) Compare cost of plans: Normally cost with dental discount do not very greatly but this still can be a factor for people.

2) Compare the plans discounted fee schedule for services that are listed. Most dental discount plans will provide a set discounted fee schedule that will show your discounted prices for different dental services provided by the plan general/family dental offices. Pick out a few dental services you feel you will be needing to compare cost with out having to compare each line item.

3) Compare the dental providers in each plan.  Choosing a dentist or making sure there are dental office in the plan you want to go to is important.  If you do not care for the dental providers that are in the plan the odds are you will not use it.  Make sure to call the dentist in the plan and confirm they are in fact still a provider and ask any other questions that may be important to you so that you feel convertible going to that provider under the plan

My mom currently does not have any dental benefits.  I am not sure when was the last time she has been to a dentist, but she says since she does not have dental insurance she will not go because it is too costly.   I do not want her teeth getting bad on top of all her other health issues she has to worry about.   Is there any dental plans I could pay and get for her?

Reply: Yes, our website provides dental insurance and plan options in all states. All you need to do is enter her zip code in the quote box provide in order to review all our plan options.  In addition if you or your mom should available to you in your state, just call our customer service line at have any questions about any of our dental insurance and or plans that are 310-534-3444 M-F 8-4 as we will be happy to assist you which choosing the best plan for her dental care needs.

Question: I just got my benefits though my job.  I was told that my dental benefits will not cover for major dental work until I have it for one year.   That I can only could get preventive care now and basic dental after six months.

What I would like to know is, if I could get an additional dental plan to cover for any major dental needs that may come up until I had my work plan for one year?

Answer: You may want to review any HMO’s or dental discount plans in the mean time as those plans are not only more affordable but generally will not have any plan waiting periods. Some you do have to pay for one year term where as other you can pay monthly for.  Either way these types of dental insurance and plan should help you until you are over your waiting periods with your current dental insurance plan

Question: How can you know what your true cost is for dental insurance plans that say they pay out by a percentage but only up to UCR.  I asking because right now I have a PPO plan offer to me though my job.

However whenever I go to the dentist to use my dental PPO plan I always get hit with an additional UCR fee cost.  I am not sure if I just have a bad plan where I should find my own dental plan that offers better coverages or if I being taken by the dentist.  How does one figure this out.

Answer:  Here are a few things to think over when dealing with dental insurance plans that have UCR fees.

1) Are you going to a plan provider of your PPO?  Generally when using the PPO’s plan providers you reduce your risk of having UCR fees.

2) Are you seeing a dentist that is in your rated area?  If you live in a lower cost area but see a dentist in a higher cost area (plan provider or not) you increase your risk of UCR fees because UCR fee are based on your home zip not the zip of the dentist you are seeing.

3) Remember if you do not want to have any surprise UCR fees after the fact make sure to have your dentist file a quote only for your services to your insurance company so that they can then advise you of what they would pay out prior to you having or starting the dental service.  Then you decide if the price is something you can afford at the time or not.

4) If you feel that even with your PPO insurance though work is still too costly or you would like a more straight forward cost statement for services you at that point may want to review an HMO dental insurance where all their dental services that are covered are listed on a fee schedule that clearly shows the cost for each dental service offered under the plan leaving out the risk of additional charges due to any UCR fees.

Question: I have three cavities one large one and two small fillings that need to be done.  I been putting off having the dental work, because of cost. I now have a part time job and, I would like to get a low cost dental plan ASAP so I can have my teeth fixed.

Answer:  I would suggest reviewing our dental HMO’s plans or our dental discount plans as these plans will not have waiting periods for basic services such as fillings.   To review all our dental insurance and plan options just enter in your zip in the quote box provided.

If you are looking for a new dentist, did you know that many dental office provides free consultations to new patients?  When calling dental office ask if they provide such a service to new members

Dental care for children is very important brushing and flossing alone will not be enough without  regular dental care from a dentist.  Dental cost can be a factor for anyone and that is why investing in a good dental insurance now for your children will help not only keep your children teeth happy but save you money on your family dental care needs.   Get your dental quote today by entering your zip code in the quote box provided.

Cleaning and proper dental care of  children teeth should begin when the first tooth is visible.  This is because teeth are susceptible to decay as soon as they appear in your child mouth.  Many children do not get the proper dental care due to increasing cost.  However Dental Dental offer low cost dental HMO plans that make dental care much more affordable.   Get the dental care and coverages you and your family needs at an affordable cost. To review all our dental insurance dental plan options in your state just enter your zip code for a quote comparison.

Be sure that your baby gets the best dental care possible.  It is a good idea to start cleaning your gums even before they start cutting their baby teeth.  Not only is doing so good for your child gums but it get them use to you doing so and making brushing their teeth easier.  Also try and brush and clean baby teeth and mouth when they are not cranky or overly tired. Make it fun and keep things light.  Take your baby to see a dentist as soon as the first tooth is cut or on their first birthday.  Baby teeth are just as important as adult teeth and good dental care habits with baby teeth lead to good dental habits with adult teeth.

Here are some simple dos and don’t you may want to keep in mind when taking care of your child baby teeth.

Dos:  Clean you baby gums before teething.  Take you baby to see a dentist with in a few months of them cutting their first tooth, or no latter then their first birthday.Have dental insurance for your child and your family to help with the cost of dental care. Find a dentist both you and your child will like.  Try and use non fluoride toothpaste when brushing your child baby teeth. Floss your child teeth as soon as two teeth are next to each other. Talk to your child dentist for good dental care tips

Don’t:  Do not try and clean your baby gums if your child is tired or cranky  Do not use fluoride toothpaste too soon.  A good time would be when your child can spit.  When you do start to use toothpaste do not over use it.  A pea size amount is all you need for an adult for a child even less should be used.  (A little does go a long way)

Save on Dental Services not normally covered by dental insurance.   Dental discount plans are a great low cost options in order to save money off all your dental services.  Even dental services that may not be covered by dental insurance.  Such as cosmetic dental services, preexisting and adult braces to name a few.

A dental discount plan is also a good way to save money when you have dental insurance but are still within the plan waiting periods.   There are times when it is not advise to wait even when your plan may have waiting periods.  In cases like that getting a dental discount plan that offer savings within the next business day is well worth looking into.

Cosmetic dentistry may help you to get your best smile at any age. One of the most popular cosmetic dental procedures to a perfect smile is bonding. Cosmetic dental bonding is a fairly painless procedure usually performed in one dental visit by applying an enamel like material to your teeth which is then shaped, hardened with a special light and polished.

For a more dramatic smile, porcelain veneers can make a drastic difference. With veneers, you can control the color, position, shape, and size of your new teeth which can correct crooked, worn, or chipped teeth. This procedure can cost between $1,200 – $3,500 per tooth.

Cosmetic dentistry insurance coverage is not afforded by most dental insurance companies. If you are with a group dental insurance company through your employer, you may want to inquire if cosmetic dentistry insurance coverage is provided under your dental plan.  Cosmetic dental coverage is normally provided by discount dental plans. Discount dental plans usually cover 15 to 20 percent of the cosmetic dental care cost.

Supplemental dental insurance is an individual or family insurance policy purchased to cover a portion of the dental costs. Supplemental dental insurance will normally not cover the entire dental care procedure. If you have a primary dental insurance plan that you purchased or your employer provided, the supplemental dental policy typically covers the remaining dental bill.  For example, if the dental plan policy covers half of the dental cost, the secondary or supplement dental insurance plan should cover the remaining balance of your dental procedure. A supplement dental insurance plan may also be purchased to cover the dental charges when there are annual dental benefit plan limits or exclusions.

Dental check up consist of more then just X-rays and cleanings.  The dentist is looking at more then whether or not you have any cavities or if you been flossing good enough.  Dental check ups include oral cancer screenings. By going to the dentist for your check up the dentist or hygienist is also checking for any signs of oral cancer.  Oral cancer is a serious dental disease in which claims lives on a daily bases.  However it is often highly curable if diagnosed and treated in the early stages.

Many people do not have regular dental check ups due to lack of having dental benefits though their jobs and or due to cost of dental services feeling they can not afford to go to the dentist.   In some cases you can not afford not to go to the dentist.   On this website in every state we offer a low cost dental plans option or options, either by offering a low cost dental insurance plans or dental discount plans.  Both will make having dental care more affordable.