Is individual dental insurance really your best option or would a dental discount plan make more sense? Well, there a few things that you need to determine before you spend your hard earned money on either one. Let’s take a look at both dental insurance and discount dental plans and weigh the “pro’s and con’s” of both real quick.
Dental insurance for individuals can cost all the way up to fifty dollars per month, depending on where you buy your policy,and the benefits that are included. Here are some things that you need to look at in dental insurance policies before you buy.
Does the insurance coverage pay for pre-existing conditions or if there is a waiting period of six months or a year? A “pre-existing” condition is a condition that you had at the time that you purchase the dental insurance policy. For example, you have an obvious cavity that needs to be filled. In this case, your insurance would not pay anything and you would be forced to pay 100% out of pocket.
Other questions would be “how long do I have to wait before I receive full coverage?” “Is there a deductible and if so, how much?” “Does the dentist bill you for the procedures or do I have to pay him and then wait for you to reimburse me the money?” “Do you provide 100% coverage on anything and if so, when?”
Individual dental insurance is not necessarily a bad thing if you have the benefit of getting it through your employer’s group dental plan. Many of these plans will provide more thorough coverage than the average insurance policy purchased through a private agent.
Discount dental plans are less expensive than dental insurance and may be your best option for individual benefits. These discount plans are not insurance, but a network of dentists that have set up a discount fee scale for you becoming a member. This has advantages for both you and the dentist. They get paid money on the spot for their services rendered. They don’t have any insurance companies to bill and no waiting up to forty five days in order to get their money back, if at all. There have been cases where dentists didn’t get paid because they found out “after the fact” that the procedure performed wasn’t covered by the insurance provider. This isn’t an everyday occurrence, but it makes cash for a discount that much more appealing.
The one drawback to the discount plans is that you must pay for the procedures at the time of the visit to the dentist. However, dental insurance is very similar because of the lack of coverage it provides. Also, even if the procedure was covered by the individual dental insurance plan, you would still be responsible for the higher premiums and the deductible.
Dental discount plans include benefits for pre-existing conditions and there are no age limits or exclusions. Some of the plans even provide discounts for cosmetic dentistry, which is normally extremely expensive.
So should you buy an individual dental discount plan or an individual dental insurance plan? The choice is up to you.
With the increasing awareness about oral hygiene, people are becoming more conscious about their teeth. Cosmetic Dentistry too has become quite popular, thanks to the advertising media like television and internet. People with crooked or misaligned teeth are not comfortable showing off their teeth. This problem can now be rectified by opting for the right dental treatment. The job of setting crooked teeth straight rests with an experienced orthodontist or a cosmetic dentist. Metal Braces were the only option available in the past.
There are many of introductions in the field of cosmetic dentistry. Lingual braces are indeed an inventive option when it comes to dental treatment. These braces are fixed behind the teeth and they are not visible. Patients who do not want the world to see their braces can opt for lingual braces. They can still undergo treatment wearing these lingual braces, without the outside world knowing about it.
Lingual braces are indeed an innovative and sophisticated introduction in the field of cosmetic dentistry. The traditional way of fitting braces are not longer being used by dentists, as these braces are easily visible and not many people would want to go for it. Unlike these conventional braces, braces are tightened on the rear end of the teeth. The lingual braces are customized, keeping in view the shape of the jaw and of course, the tooth shape. Though, these may slowly be inconvenient in the beginning, the patient will slowly get used to it, over a period of time.
Braces are quite effective and the treatment is also speedy. Lingual braces are generally recommended by cosmetic dentists when the patient faces problems like misalignment of teeth, uneven teeth, too much spacing, overbite, cross bite or overcrowding of teeth. The dentists may suggest braces for correcting certain dental problems. This will automatically bring about a better smile. Problems of jaws or excess strain on jaws can also be rectified by using these braces.
Last but not the least; we can only summarize that linguistic braces are the ideal reply from unattractive metallic braces. Patients wearing metallic braces are generally conscious when they smile or speak, thanks to the ugly sight of the metallic braces. But with these innovative braces, there is no cause for worry. The fear of not looking attractive can be completely got over, thanks to braces. The wearer automatically feels confident about their personality and looks.
When it comes to pricing, lingual braces are expensive as compared to the traditional metallic braces. First and foremost, establish clarity on the type of braces you intend going for. It is also very important to wear these braces at the right age for better and quicker results. Generally speaking, problems related to misaligned teeth or crooked teeth should be tackled in the young age, when the jaw is soft. If you already have a dental insurance policy, then check with your insurance provider wherever the cost of braces will be covered by them.[Top]
Teeth whitening is a common procedure in the dental field today; this is sparked by the increasing need for people to look their best. While the procedure is definitely meant to give you that million-dollar smile that makes you feel like a Hollywood star, it’s also true that teeth whitening is not for everyone. As such, before you decide to go for the procedure, ensure that you consult your dentist to determine whether you are a suitable candidate for the procedure. Proper assessment is the only way to rule out any permanent side effects that may occur.
Whitening should only be done on a healthy set of teeth with healthy gums, which is why a thorough assessment is necessary. During the assessment, your dentist should check for things such as enamel thickness, sensitivity, receding gum, tooth decay and existing restorations including fillings, crowns and veneers. Note that teeth whitening only works on natural teeth and has no effect on caps, crowns, dentures and veneers. This means that should you choose to go for teeth whitening anyway, your natural teeth would become whiter but may not match the color of the caps and crowns.
Oral diseases and conditions could also disqualify as a suitable candidate for teeth whitening. This is because they increase your susceptibility to the possible side effects associated with the procedure, including damaged or inflamed gums, blistering and severe tooth sensitivity. Your dentist should also assess the cause of the discoloration to determine whether it’s only on the surface or inside the teeth. Once the assessment is done, he or she would be able to determine whether teeth whitening would work for you as well as recommend the most suitable treatment for you.
Teeth whitening is generally not recommended for people under the age of 16. During this stage, a person’s dental nerves are enlarged and the procedure could irritate them and result in hyper-sensitivity. Severe pain might be experienced and the future health of the person’s teeth would be compromised. Pregnant women are also advised against teeth whitening since the active ingredients contained in the bleaching products may be absorbed in the mother’s body and harm the unborn child. In fact, the procedure should be completely avoided until the baby is born and weaning is complete.
When whitening is done by untrained individuals, this could easily result in serious side effects. This is as a result of the products used during the procedure, which usually contain oxidizing agents like hydrogen peroxide. When this is used incorrectly and repeatedly, it could cause irreparable damage to your teeth. In fact, products that contain more than 6 percent concentration of the active ingredients used in whitening should only be handled by professionals. It is therefore critical to ensure that you the procedure is done by a registered dental practitioner should you choose to go for it.
For most people, whitening does not pose serious risk if done correctly. However, it is important to take the right steps in ensuring that the procedure does not cause more harm than good.[Top]
While most people try to maintain a good oral hygiene and reduce the incidence of sugar consumption, there may be a need to have a dental filling to restore broken or broken teeth.
HOW TO PREVENT TOOTH DECAY
To prevent tooth decay, it is recommended that you should floss at least once daily, brush twice daily, and limit the intake of sugar in the diet at most three times a day. Sugar is present in many different foods, such as fruits, processed foods, soft drinks and sweets.
People who are at a high risk of developing tooth decay should also consider the use of fluoride mouthwashes or high fluoride dental flosses to reduce the risk of tooth decay development.
AVAILABLE FILLING MATERIALS
Several dental filling materials are available today. They include amalgams, gold cast, tooth-colored composite fillings and porcelain materials to mention but a few are:
SILVER FILLINGS (AMALGAM)
Dental amalgam is a liquid mercury mixture and a metal alloy used to fill the cavities caused by tooth decay. Amalgam usually consists of mercury, silver, tin, copper, and other trace metals.
Many patients who have undergone tooth filling currently have amalgam as a part of their dentition notwithstanding the numerous health concerns and threats posed by the presence of Mercury in the composition of the amalgam
TOOTH-COLORED COMPOSITE FILLINGS
Teeth colored fillings, also called white fillings or composite fillings, are used to fill the anterior and posterior teeth. The filling comes in the form of a paste that the dentist places on the damaged part of the tooth, adjusts the bite and polishes. It is commonly used for the fixation of front teeth damaged by decay or chipped, cracked or worn. The filling is tied to a tooth with a very strong dental resin, but it can break, lose or detach, depending on factors such as the size of the filling, where it is and habits like nail biting.
Tooth colored fillers are available in a variety of colors that can usually be combined with tooth color, and some of the latest materials look very natural.
RISKS INVOLVED IN TEETH FILLING
Tooth sensitivity may arise after deep filling has been done. Normalcy is mostly restored in a few days or weeks after filling.
On rare occasions, if the sensitivity and pain persistent due to a very deep filling, a root canal treatment may be necessary.
Over time, fills may freeze, loosen, chip or break. Occidentally, if filling is very important, it is recommended to replace the dental crown instead of filling it to reduce the risk of fractures or fractures.
LONGEVITY OF FILLINGS
With good monitoring and maintenance, fillings should last for several years. Studies show that the average lifespan of amalgam or composite filling is about 3-5 years. Studies show that in composite or porcelain fills last an average of 5 to 10 years.
Patients can extend the longevity of their fillings by brushing and flossing the teeth, reducing the frequency of sugar consumption, and visiting the dentist every 6 months so that their fillings can be checked on a regular basis.[Top]