Monthly Archives: November 2011

Choosing dental insurance

Dental insurance is very important to have especially if you have kids.  Needing dental care with out insurance can be costly.  This is something that you avoid if you get dental insurance before you need it.  Especially when the economy is bad because no one can afford this unforeseen expenditures.  There are various different types of dental insurance plans so you need to figure out which one fits your needs.

Nearly all insurance policies are set in place to protect you against an unforeseen accident or injury that may occur – covering you for the expense that may result. A dental policy is there to pay for the constant care that you require to look after your teeth and gums for the long term so that you never require any serious dental work in the future. Its a plan for preventative care. There are a number of different levels of coverage that you can obtain. The one you opt for will really depend on your financial circumstances. Most policies are built around attempting to make the preventative work required to maintain healthy teeth and gums as affordable as possible to you. In some policies, the preventative work is actually completely covered.  The more coverage you seek the more the policy is going to cost.

As we stated earlier, most policies focus on preventative care.  So what happens if you need real dental care and not regular checkups.  Depending on your policy, generally the price for the repair work will be agreed up and you get a discount on those cost.

If you are looking for a slightly cheaper policy you could seek one that heavily discounts the preventative work rather than covering it completely.   As a buyer, you are able to shop around and find policies that fit your budget and dental needs.

Direct Reimbursement Dental Insurance Plans

Direct Reimbursement Dental Plans are a self funded plan.  The employer or company sponsor pays for dental care with its own funds, rather than paying premiums to an insurance carrier or third party.  The patients pays the dentist directly and once the services are furnished with a receipt showing payments and services are received, the employer reimburses the employee a fixed percentage of the total dental care cost.  These plan can have limits on the amount of dollar an employee can spend on dental care within a given year but often place no limits on the services provided.  These plans allow the patients to select who they want to see and do not have to deal with in plan and out of plan providers.

Cleaning your teeth and gums

There is a right way and a wrong way to brush and floss your teeth.  Forget all that you think you know and lets start with the right way to do it.  Every day, you should gently brush your teeth on all sides with a soft brush and fluoride toothpaste.  Use small circular motions.  Lightly brush your tongue.  Use an electric toothbrush as an alternative.  Make sure to floss every day.  Dental flossing is very important as it helps remove plaque and leftover food that the toothbrush could not get to.  Be sure to rinse after you floss.  So those of you who have been flossing before you brush need to brush first and then floss afterwards.

Teeth whitening

Teeth whitening is not covered by dental insurance.  It falls under the category of cosmetic dentistry and must be paid out of your own pocket with no discount or reduction based on the plan that you belong to.  Before you consider any teeth whitening procedure you should talk to yor dentist.  There are risk associated with tooth whitening.  They include sensitive teeth and damage to the roots of your teeth.  Seeing a dentist first is important because they can examine and determine what the potential risk and harm that can be cause using whitening methods.

Cosmetic denistry coverage

As a practicing dentist in Georgia, I am constantly asked if cosmetic dentistry is covered under dental insurance policies.  Cosmetic dentistry refers to procedures that can make the teeth look better but are not medically necessary.  So often these procedures are not covered in dental benefits plans.  Think of dental insurance plans as gift cards, it will help you off set some of the cost of your dental work but not all.

Georgia Health Science University

The Georgia Health Sciences University, College of Dental Medicine accepts patience and dentists service at a reduce rate.  The catch is that the services are provided by students and residents under the close supervision of the teaching staff at the College of Dental Medicine.  To quality, you have to attend a screen exam which takes about two hours.  Dental x-rays are taken to see what you need.  Priority is given to those that have the problems that the school is looking for to teach its students to diagnose and remedy.  Attending the exam does not guarantee that you will be accepted as a patience.

There are some requirements in terms of being available during certain times of the day and that you are available to be seen at least once a month.  If accepted you stand to get good quality service at a reduce price and the opportunity to help let a future dentist to practice on your mouth.