DENTAL BLOG

Best Dental Insurance for Veterans

Best Dental Insurance for Veterans

As a veteran, you deserve insurance that can help keep your teeth and gums in tip-top shape. While it might not be easy at first to find the ideal plan, rest assured that you do have a few options to choose from. Once you become familiar with what those options are, you can make the decision that will help you afford dental care ranging from preventive services to major services. Below, we dive into several insurance companies that provide dental care for veterans, along with some information on the routes you can take to get the coverage you need without breaking the bank. Overview The best dental insurance for veterans: 6 carriers to consider:       Denali Dental       Spirit Dental       Delta Dental       Renaissance Dental       California Dental       Argus Dental Do veterans get dental coverage?          What dental coverage does the VA provide?        What is VADIP?        Can you get high-quality dental for veterans from private insurers?  Find dental plans for veterans easily with the Direct Benefits Marketplace  Dental insurance for veterans: 6 carriers for stand-alone plans One of the ways you can get dental insurance is by going directly to a provider and buying a stand-alone plan. You might do this if you prefer having greater control over the dentists you’re able to see and the level of coverage you receive. Here are six companies that are worth considering:  1. Denali Dental  Denali Dental is a great option if you want to go with a plan that will have a high annual maximum, as you might be able to get one that’s as high as $6,000. This means you can receive expensive dental care with less fear that you’ll hit the limit. Plans also provide coverage for four cleanings annually to help ensure your smile will be bright and beautiful. And Denali is a smart way to go if you want dental insurance for veterans with no waiting period. 2. Spirit Dental Another wise choice when searching for dental insurance with a high annual maximum is Spirit. You might be able to enroll in a plan with a $5,000 max that could give you peace of mind in the event you need pricey treatments. Plus, you can find plans that don’t have waiting periods, cover three cleanings annually, and let you choose from a large network of dentists. 3. Delta Dental Delta Dental is an insurance that many dentists accept, so it can be a good choice if you want to be able to select from a wide network of professionals. In addition to that, there are plans that provide benefits which increase each year, up to the third year. And, although there might be waiting periods for basic and major services, you may find plans with annual maximums as high as $2,000. 4. Renaissance Dental Renaissance Dental plans may come with an annual deductible, but they might also come with a high annual max (up to $3,000). With no waiting periods, options to go out of network, and coverage for preventive cleanings and major services, you might be able to find a policy that suits your needs perfectly. 5. California Dental If California Dental is available in your area, it’s worth checking them out because you might be able to get a plan with no deductible and a low copay. Other perks may include no waiting periods and an unlimited annual maximum that can help you get expensive care without worrying about being able to afford it all on your own. 6. Argus Dental Argus is an option to consider when you’re on a budget, as you can find plans that come with an unlimited annual maximum and no deductible. If you have pre-existing conditions, you can enroll in plans without pre-existing condition exclusions, and you can find plans without waiting periods. Plus, with a fee schedule, you’ll know how much a trip to the dentist’s chair will cost before you go. Do veterans get dental coverage? You might be able to get veterans dental benefits with the help of the VA Dental Insurance Program, also known as VADIP. Or, you might simply take advantage of outpatient care provided by Veterans Affairs (VA). What dental coverage does the VA provide? To receive dental benefits from the VA, you’ll need to qualify for them based on things like your health, income, and military service. The VA will tell you if you’re eligible for this type of coverage, so you need to get in touch with them directly. The harsh reality is many veterans don’t meet the requirements for this outpatient care. For example, you might only be able to get this type of support if you were a prisoner of war or if you have a disability. What is VADIP? VADIP is a program that lets you buy private dental insurance at a discount if you’re a veteran who is receiving VA health care. Current or surviving spouses and dependent children of veterans who are enrolled in the Civilian Health and Medical Program (CHAMPVA) may also qualify. You won’t qualify for this option if you don’t meet certain requirements. Also, with VADIP, you may have a premium and other out-of-pocket costs, such as a copay, to cover on your own. Delta Dental for veterans and MetLife Dental for veterans are two companies that provide VADIP plans. You can select a policy and enroll directly. Can you get high-quality dental for veterans from private insurers? Absolutely! As discussed above, there are many providers you can choose from when searching for an insurance policy that will cover all of your needs. You might also be pleasantly surprised by the many options available at an affordable price. So, if you don’t qualify for VA dental benefits or VADIP, buying a plan on your own might be exactly what you need. Find dental plans for veterans easily with the Direct Benefits Marketplace If you’re a veteran who wants to enroll in a comprehensive, low-cost dental plan, check out the Direct Benefits Marketplace to make the process as quick and simple as possible. Discover the options available in your area, compare them side-by-side, and enroll to get coverage right away.

The Best Supplemental Dental Insurance

The Best Supplemental Dental Insurance

Because a dental plan might leave you wanting more, supplemental dental insurance is an option to consider. The coverage you get from a second plan can help reduce the out-of-pocket costs for expensive care that you and your family might need. What is supplemental dental insurance? Put simply, this is a plan you can get when you need additional coverage, such as when your current dental plan has a low annual maximum or it doesn’t cover certain treatments and procedures. Overview The best supplemental dental insurance plans       Denali Dental       Argus Dental       Delta Dental       Spirit Dental       Renaissance Dental       California Dental Can you get Medicare supplmental dental insurance? Is supplemental orthodontic insurance worth it? Can you have two dental insurance plans?       How does secondary dental insurance work?       How do you determine which dental insurance is primary and which is secondary? Use the Direct Benefits Marketplace to find supplemental dental plans 6 of The Best Supplemental Dental Insurance Plans Despite the importance of high-quality oral care, many seniors go without dental insurance. If you’re only relying on Medicare, it’s a great idea to look into affordable dental plans that can help you save a lot of money. 1. Denali Dental  When you want a dental plan that comes with a high annual maximum, Denali is a good option to consider because its annual max is up to $6,000. This insurer also provides coverage for four cleanings each year, along with orthodontics coverage for kids and adults. And without any waiting periods, you don’t have to hold off on getting the care you need. 2. Argus Dental Argus is a bit different because their plans work on a fee schedule, making it easy to know how much you’d need to pay for a treatment before your appointment. With plans that have an unlimited annual max and no deductible, this might be a good place to start if you’re looking for low-cost coverage. Plus, there are no exclusions for pre-existing conditions and no waiting periods. 3. Delta Dental One great thing about Delta Dental is its large network of dentists that you can choose from. Also, the benefits they provide for both basic and major services will increase every year up to the third year. Just be aware that some plans might have waiting periods.  4. Spirit Dental Spirit is another carrier that offers a high annual maximum of up to $5,000. Their plans provide a host of benefits, such as three cleanings per year and coverage for children’s orthodontics. Plus, there aren’t any waiting periods, and this might be the right choice if you’re searching for supplemental dental insurance for implants.  5. Renaissance Dental Renaissance offers policies that don’t have any waiting periods, and you can sign up for plans that let you visit dentists who are out of network too. Plus, they provide coverage for preventive cleanings, children’s orthodontics, and major services. 6. California Dental An affordable option when you need a supplemental plan, California Dental offers policies without waiting periods and deductibles, and with unlimited annual maximums and low copays and premiums. Some of their plans might even cover cosmetic procedures, adult orthodontics, and implants. Can you get Medicare supplemental dental insurance? Seniors need to take great care of their teeth and gums because their risk of oral health problems may be higher. But if you only have Medicare Part A and Part B, trips to the dentist likely won’t be covered because there are limitations on the types of dental treatments that Medicare will pay for. The good news is Medicare supplemental dental plans are available to provide support when you need anything from preventive cleanings to restorative bridges. You might be able to get dental coverage with a Medicare Advantage (Part C) plan, or you can enroll in a stand-alone policy, such as one from the providers discussed above. Is supplemental orthodontic insurance worth it? It may be worth getting supplemental dental insurance for braces if your existing plan doesn’t provide enough coverage for orthodontics. You might be able to find a plan that has a high annual limit and will be there to help cover the cost of pricey braces, whether you need them as an adult or your kids need them. Plus, you might be able to sign up for a plan that covers pre-existing conditions and has no waiting period, further helping you get the care you need without holding you back. Can you have two dental insurance plans? Yes, you can have additional dental insurance even if you already have a policy in place. For example, if you and your spouse receive dental insurance from your employers, both plans can be active. This is referred to as dual coverage. How does secondary dental insurance work? In the event that you have two plans, you’ll need to figure out which one will act as the primary policy and which one will be the secondary policy. Then, a coordination of benefits (COB) can determine how each of the insurers will provide coverage. Your secondary insurance will kick in after the primary insurance to help cover the balance, thereby reducing what you might owe. Just keep in mind that your benefits won’t be duplicated, and your care won’t be covered beyond 100%. However, you may find that you’re able to save more when you have two plans. How do you determine which dental insurance is primary and which is secondary? There are a few ways to figure out which of your two dental plans will be the primary and which one will be the secondary. For example, if you have a plan from your job and another that you bought on your own, the one from your employer might be deemed the primary policy. Or, if you and your spouse have dental insurance from your jobs, your primary policy may be the one on which you’re the account holder, while your secondary policy may be your spouse’s insurance. Use the Direct Benefits Marketplace to find supplemental dental plans When you’re ready to look for supplemental dental insurance, Direct Benefits Marketplace can help make the process as simple as possible. Use it to search for and compare plans available in your area. Then, when you’ve decided on the policy that fits your needs, you can sign up quickly and easily.

Best Dental Insurance for Seniors on Medicare

Best Dental Insurance for Seniors on Medicare

Having reliable dental insurance when you’re a senior can help ensure you’ll be able to afford trips to the dentist for everything from cleanings and gum treatments to dentures and fillings. But if you’re on Medicare, you might be left with a high bill. Medicare Part A and Part B might help cover the cost of certain types of dental care, such as a procedure associated with the treatment for a serious medical condition. When it comes to routine care to keep your teeth and gums strong, unless you have Medicare Part C (Medicare Advantage) that includes dental coverage, you’ll need to pay for everything out of pocket. And seniors on a fixed income will likely find that hard to do. Not satisfied with what’s offered by Medicare Advantage? You have another option: go directly to an insurance provider to purchase a stand-alone plan. To help you get started, we’ve compiled some information on the best dental insurance for seniors on Medicare. Overview The best dental Insurance for seniors on Medicare: 6 carriers to consider       Argus Dental       Spirit Dental       Renaissance       Dental Denali Dental       Delta Dental       California Dental Does Medicare Have a Dental Plan for Seniors? Shop for Dental Insurance on the Direct Benefits Marketplace The best dental insurance for seniors on Medicare: 6 carriers to consider Despite the importance of high-quality oral care, many seniors go without dental insurance. If you’re only relying on Medicare, it’s a great idea to look into affordable dental plans that can help you save a lot of money. 1. Argus Dental When you’re on the hunt for dental plans for seniors on Medicare, it’s worth checking out the options offered by Argus. This might suit your needs if you want low-cost insurance, and you may find policies with an unlimited annual maximum, no waiting periods, and no pre-existing condition exclusions. Also, by signing up for plans that use a fee schedule, you’ll know how much a trip to the dentist will cost in advance, so there won’t be any surprises. 2. Spirit Dental With a large network of dentists, Spirit is another smart place to look for dental insurance if you’re a senior. They have plans with a high annual maximum that might be upwards of $5,000, and there are no waiting periods. Also, you can get coverage for implants and three cleanings annually. So, you might be able to easily find a plan that suits your needs and fits your budget. 3. Renaissance Dental If you want the freedom to go out-of-network, and you want to save money on preventive and restorative treatments, Renaissance might be just what you need. With plans that have a low annual deductible, no waiting periods, and a high annual maximum up to $3,000, this might be the ideal provider if you’re a senior in search of dental insurance. 4. Denali Dental One of the nice things about Denali is its high annual maximum, which might be as high as $6,000. This means you can get a lot of support, even when you need to undergo expensive procedures to restore the health of your teeth and gums. Plus, you can choose from a large network of dentists, you may not need to worry about annoying waiting periods, and options include coverage for adult orthodontics and four cleanings per year. 5. Delta Dental As one of the most well-known providers, Delta is another option to consider when you need dental insurance for seniors on Medicare. You might find plans with benefits that increase each year for the first few years. And, even though you might encounter a missing tooth clause and waiting periods with these plans, you can take advantage of a large network of dentists when you need basic or major services. 6. California Dental If you’re concerned about the cost of senior Medicare supplemental insurance, California Dental may be a good place to look for an affordable plan. You might be able to enroll in a policy that has an unlimited annual max, low copay, low premium, and no deductible to save money. And because this insurance company also covers things like implants, adult orthodontics, and cosmetic work on certain plans, you can enjoy greater peace of mind when it comes to how you’ll pay for dental care in your golden years. Does Medicare have a dental plan for seniors? You might be able to get dental and vision insurance for seniors through a Medicare Advantage Plan from a Medicare-approved private insurer. Remember, Original Medicare might only help cover the cost of dental care that’s related to things like surgery, hospitalization, and emergencies, so you’d be responsible for the cost of dental exams, X-rays, cleanings, fillings, root canals, crowns, dentures, implants, etc. Keep in mind that, if you’re thinking about going with a Medicare Advantage Plan that includes dental coverage, you might be restricted to signing up during certain enrollment periods. And plans can vary from one provider to another, as well as one location to another. Don’t worry, if Medicare Part C plans don’t meet your needs, you also have the option of buying a stand-alone dental plan, such as one from the companies discussed above. You might find that they provide more comprehensive or more affordable coverage. And you can enroll in a stand-alone plan at any time of the year. Shop for dental insurance on the Direct Benefits Marketplace If Medicare has left you wanting more in terms of dental coverage, browse the many plans available in your area with the help of the Direct Benefits Marketplace. After finding the right policy for your expectations, you can easily enroll to receive the care you need without breaking the bank.

The Best Dental Insurance Plans With No Waiting Period

The Best Dental Insurance Plans With No Waiting Period

When shopping for dental insurance, you’ll come across plans that impose a waiting period that might last a month to a year or more. This means that certain levels of coverage, or perhaps even all coverage, won’t kick in until after the waiting period is over. Sounds inconvenient and frustrating, doesn’t it? The good news is there are dental insurance no waiting period options available. So, if you want to rest assured that your policy will cover everything from preventive to major services from the day your plan becomes active, searching for full coverage dental insurance with no waiting period is the right way to go. To help you get started, we’ve compiled a list of some of the best dental insurance providers that offer plans without a waiting period. Overview Dental insurance with no waiting period: 6 options to consider     Spirit Dental     Denali Dental     California Dental     Argus     Renaissance     Delta Dental What is the best dental insurance with no waiting?     Cost     Coverage     Network Are there ways to avoid a waiting period with dental insurance?  Shop now for dental insurance with no waiting period Dental insurance with no waiting period: 6 options to consider 1. Spirit Dental Spirit Dental provides several perks that might be hard to get with other providers. For example, the $5,000 annual max is higher than many others, three cleanings are covered each year, and you can choose from a large network of dentists or go with a plan that lets you select any dentist you wish. Plus, there aren’t any waiting periods to worry about, and you can find plans that cover children’s orthodontics. 2. Denali Dental Another insurer that has one of the highest annual maximums is Denali Dental, with a $6,000 max. Although these plans tend to be pricey, there are several perks, such as four cleanings per year, no waiting periods, and orthodontic coverage for children and adults. Plus, with a large network of dentists to choose from, as well as plans that let you select any dentist you want, this may be a good choice if you prefer that flexibility. 3. California Dental With California Dental, you can find plans that have low premiums and copays, no deductibles, and an unlimited annual max, so they’re a good option if you’re on a budget. Even though there are limitations in terms of the dentists you can choose from, there aren’t any waiting periods. And you might be able to get coverage for implants and cosmetic treatments. 4. Argus Argus offers affordable plans that work on a fee schedule, so you can figure out the cost of a procedure before you go to the dentist. This insurer also provides other perks, such as an unlimited annual max, no pre-existing exclusions, no deductible, and no waiting periods. 5. Renaissance Renaissance is yet another provider that offers plans without waiting periods, but there is an annual deductible that should be considered when calculating out-of-pocket costs. You can also take advantage of a high annual max, coverage for children’s orthodontics, and the flexibility to select any dentist. 6. Delta Dental Delta Dental is available nationwide and has become popular for several reasons. The benefits on basic and major services increase up to year three, there’s a high annual max, and you can choose from a large network of dentists. However, although you might find a plan in your area without a waiting period, many plans do have waiting periods for certain services, so read the fine print before deciding which one will meet your needs. What is the best dental insurance with no waiting period? To find the best dental insurance no waiting period option, compare plans that give you the amount of coverage you need at a price you can afford. Cost Even when your focus is on getting a plan that won’t restrict you with a waiting period, it’s wise to evaluate options based on out-of-pocket costs, including the premium, deductible, copay, and coinsurance. And don’t forget about the annual maximum, which is the highest amount the insurer will pay to cover dental services each year. All of these factors can help determine how affordable a plan will be, as well as how much you can potentially save every time you see the dentist. So, you might want to narrow your options down to dental insurance with no waiting period and no maximum. Coverage Some plans will impose a waiting period for specific types of treatments and services. For instance, while you might be able to start using the insurance to cover preventive care immediately, you might need to wait before receiving coverage for basic or major services. Try to find plans based on the support you’ll need for yourself and your family. Here are some examples: If you’re shopping for a family plan that includes coverage for kids, consider dental insurance for braces with no waiting period. If you’re a senior, you might want to find dental insurance that covers dentures with no waiting period. If you tend to need dental care often, it might be best to choose dental insurance with no waiting for root canals. If you think you might need expensive and invasive treatments, consider dental insurance with no waiting period for major services. If you’re a veteran, you might be eligible for dental insurance for veterans with no waiting period. Network Finally, consider the network of dentists you’ll be able to choose from. Will you be restricted to a network, or will you be able to choose any dentist you like? Depending on how much flexibility you want when it comes to selecting a dental professional, this factor can help you figure out which dental plan with no waiting period is right for you. Are there ways to avoid a waiting period for dental insurance? Yes, it might be possible to have a waiting period waived. For instance, if you had dental insurance over the past year, the insurer might not make you wait. Contact the provider directly if you have questions about waiving a waiting period. Shop now for dental insurance plans with no waiting period If you’re ready to shop for dental plans in your area but you’re feeling overwhelmed, use the Direct Benefits Marketplace, where you can compare plans and weigh their pros and cons based on factors like waiting periods. Then, once you’ve found a plan that works for you, you can easily sign-up so you can start reaping its benefits as soon as possible.

The Best Dental Insurance for Implants

The Best Dental Insurance for Implants

Dental implants are used to replace missing teeth. Whether you lost a tooth in an accident or you needed an extraction because of extensive damage or decay, an implant might be the ideal replacement because it looks and functions just like a natural tooth. Unfortunately, dental implants are pricey—in fact, they could cost thousands. But does dental insurance cover implants? Yes, some providers offer plans that can help reduce the amount of money you’d need to pay when undergoing this procedure. What insurance covers dental implants, and what are your best options to lower your cost of implants? To help you find the right dental insurance for implants, we’ve compiled a list of insurers that are worth considering. Overview 6 of the best dental insurance plans that cover implants Spirit Dental Delta Argus Renaissance Denali California Dental Are dental implants covered by insurance? How much does insurance pay for implants? Variations in total cost Limits on coverage Ready to shop for high-quality dental insurance that covers implants? 6 of the best dental insurance plans that cover implants 1. Spirit Dental The nice thing about Spirit is their plans may come with a high annual maximum (upwards of $5,000), so that can be helpful when you need to undergo expensive treatments and procedures. Although they do have a missing tooth clause, they don’t impose a waiting period, even on major services, and they provide coverage for dental implants. 2. Delta Dental Delta Dental offers various plans to suit your needs, so if you want a policy that will cover implants, it’s important to check the details to ensure you’ll receive this particular level of coverage. Their annual maximum may be high, which can be helpful, but there might be a missing tooth clause along with a waiting period for major services. 3. Argus If Argus plans are available in your area, you might be able to sign up for a policy that covers a portion of the cost of dental implants. Plans might have no waiting periods, no deductibles, and no pre-existing condition exclusions, making them a good choice if you’re looking for coverage for major services. However, even though they offer plans with an unlimited annual max, there might be a cap on certain procedures. 4. Renaissance Renaissance offers plans that cover a percentage of the cost of dental implants, and they may have a high annual maximum that can also help ensure you’ll save money when needing major services. However, there may be a deductible that you’ll need to cover each year, so that’s one out-of-pocket expense to keep in mind. 5. Denali With a high annual maximum (up to $6,000) and plans that cover a percentage of major services, Denali can be another smart choice when shopping for dental insurance that covers implants. Plus, they offer plans without waiting periods, and you may be able to choose from a large network of dentists, which can be useful if you’re hoping to find more affordable providers. 6. California Dental California Dental offers a plan that can help cover the cost of dental implants, even if your teeth are already missing when you sign up. This insurer provides affordable options with low premiums, no deductibles, low copays, and no waiting periods. And you can also find plans with an unlimited annual max.  Are dental implants covered by insurance? There are dental plans that cover implants, and they might help you save a lot of money in the event that you or someone in your family needs one or more dental implants. Not all providers and plans provide this level of coverage, though, so it’s important to shop for insurance carefully. For example, a basic plan that doesn’t include coverage for major services won’t help you pay for dental implants. On the other hand, a policy that includes major services might cover implants. Note: A dental policy might have restrictions regarding pre-existing conditions. If that’s the case and you’re already missing a tooth when you enroll, you might not be eligible for implant coverage. How much does insurance pay for implants? Different insurance plans offer varying amounts of coverage for implants. For example, if a plan classifies implants as a major service, and major services are covered at 50%, the insurance would cover half of the cost. Variations in total costs An implant procedure is expensive because it involves several steps, on top of the cost of the implant itself. Also, the final price will depend on factors like where you’re located, the dental professional you use, and how extensive the procedure is (e.g. if you also need a bone graft or a tooth extraction). But, again, if your insurer is covering at least part of the cost, you may still end up saving a substantial amount. Limits on coverage There may be limits on how much the insurance will provide, and there might be out-of-pocket fees that you’ll be expected to pay. So, when shopping for dental implant insurance, consider the annual maximum, which is the total amount that your insurer will pay each year to help cover the cost of care. And look for other fees like copays, deductibles, and coinsurance that will also play a role in how much you’ll owe. Bottom line: When comparing different dental implant insurance options, read the fine print to estimate how much you might save. Ready to shop for high-quality dental insurance that covers implants? When it comes to how to get dental implants covered by insurance, it’s all about carefully researching the companies that provide this specific type of coverage. We’ve outlined a few of the top options, but you can quickly and easily compare various plans in your area by using the Direct Benefits Marketplace.

The Best Dental Insurance Companies

The Best Dental Insurance Companies

You know how important it is to maintain the health of your teeth and gums, but you’re also aware of how expensive a trip to the dentist can be. From preventive care to major services, the costs quickly add up, and it can sting if you’re paying for it all out of pocket. The solution is simple: sign up for one of the best dental insurance plans that will give you the coverage you need at a price you can afford. To begin, take a look at our picks of some of the best dental insurance companies you can choose from. 6 of the top dental insurance carriers When you’re on the hunt for the best dental plans available, consider checking out options offered by the following providers: 1. Denali If you tend to need expensive treatments, you can get a lot of coverage with Denali. They have one of the highest annual maximums (up to $6,000), so you can worry less about hitting that max and focus more on getting the care you need. Plus, there are plans without any waiting periods, coverage for orthodontics for kids and adults, and a large network of dentists to choose from. And you get four cleanings annually. 2. Spirit Dental Spirit Dental is another dental insurance provider that offers comprehensive plans that cover everything from child orthodontics to dental implants. There aren’t any waiting periods, they cover three cleanings annually, and you can find plans that let you select any dentist if you don’t want to choose from a network. Plus, the annual maximum is up to $5,000, so this is another great option if you need to see the dentist often. 3. Renaissance With Renaissance, you can enjoy the perks of a high annual maximum (up to $3,000) and no waiting periods. Preventive cleanings are covered, and you can select from plans that cover major services too. If your kids need orthodontics, this insurer can help cover the cost. Plus, if you want to be able to choose any dentist, you have that option as well. 4. Delta Dental There are various Delta Dental plans available, so reading the details carefully will help you decide on the one that’s right for you. Some plans have waiting periods, but this provider does offer a wide network of dentists to choose from, and the annual maximum is up to $2,000. Plus, the benefits you receive for basic and major services will increase each year, up to the third year. 5. Argus For affordable dental insurance, see if Argus is available in your area. With an unlimited annual maximum, no waiting periods, no deductible, and no exclusions for pre-existing conditions, this provider offers a lot of perks. Plus, because the plans work on a fee schedule, you’ll know how much a trip to the dentist will cost before you go. 6. California Dental California Dental offers plans with an unlimited annual maximum, no waiting periods, no deductibles, and low copays. Low premiums also help make this an affordable option to consider if you’re on a budget. Plus, they even have a plan that covers dental implants and cosmetic services like teeth whitening, which many providers don’t cover. Is it worth paying for dental insurance? Most dental care isn’t covered by medical insurance, so enrolling in a plan offered by one of the dental companies in your area is wise. Even when you factor in out-of-pocket expenses, such as premiums, copays, coinsurance, and deductibles, you may be able to save quite a bit if you select the right plan with the right amount of coverage. To estimate how much you might save, consider the cost of basic preventive care, such as checkups, X-rays, and cleanings, and think about how expensive fillings, root canals, and other restorative procedures can be. With the help of insurance, you won’t need to pay for it all on your own. What Is the best dental insurance for you? The ideal dental insurance plan is the one that gives you plenty of coverage at an affordable price. You should feel assured that you’ll be able to save money whether you need to go to the dentist for a cleaning or you need to replace a missing tooth with a dental implant. Some plans provide more coverage than others, so compare options carefully. For example, while one plan’s premium might be more affordable than another, it might only cover basic services while falling short on more expensive treatments like bridges and crowns. In addition to analyzing dental plans based on costs and coverage, consider the network of dentists. For example, would you be fine with choosing from a limited network of dental professionals or do you want to be able to use any dentist? Other factors to consider include the annual maximum, whether or not there are long waiting periods before coverage kicks in, and whether or not orthodontics are covered. Is there a dental plan that covers everything? Yes, you can find comprehensive dental plans that will cover everything, including preventive care, basic services, and major services. These types of policies might also provide extra coverage for things like orthodontics too. Even with a comprehensive plan, it’s important to read the fine print to know exactly what you’re getting and what you’ll be expected to pay out of pocket. For example, you might find plans that cover 100% of preventive care, 80% of basic services, and 50% of major services. What’s an easy way to shop for good dental insurance? When you’re ready to look for the best dental insurance, use the Direct Benefits Marketplace to narrow down your options and compare them with ease. That way, you’ll be able to determine which plan will help you save the most money.

Senior Dental Care Options in Retirement

Senior Dental Care Options in Retirement

The joys of retirement are endless. Whether it’s starting that new hobby you’ve always wanted to try, traveling to exotic places, or the simple pleasure of not setting an alarm, retirement is fun! But being on a fixed income requires some planning to ensure the fun won’t run out. One aspect of retirement planning is senior dental care. As you get older, your teeth begin to fade and having a dental care plan will help you navigate issues when they arise. When you retire or reach age 65, here are some dental coverage options available to you: Purchase a plan with Medicare Advantage Purchase a dental plan on the individual market Pay for dental services out-of-pocket Purchase a dental discount plan We’ll go over each of these options below, and we’ll find out which one works best for you. Purchasing a dental plan with Medicare You’ve probably heard this before: original Medicare (Medicare Part A and Part B) does not cover routine dental or vision care, though some coverage is provided in an emergency setting. If you’re looking to package your Medicare health plan with a dental plan, Medicare Advantage (also known as Medicare Part C) may be what you’re looking for. Medicare Advantage partners with private insurance companies to provide dental coverage for you to choose from. Choosing a dental plan with Medicare provides you with the convenience that all of your insurance is wrapped in one package. But you still need to do research on what these plans provide as it pertains to what you’re looking for. Because only a certain number of dental insurance companies partner with Medicare, you may be best served shopping the individual market. Shopping the individual market Shopping for dental insurance online can seem overwhelming, but it also gives you the power of choice. These days, buying any insurance online is relatively simple. But choosing the best plan for you might take some research. Figuring out what your needs are now and in the future will give you the best opportunity to choose the best plan that works for you. What are the dental coverage needs you’re looking for: Are you looking for a low-cost plan that provides preventive cleanings and exams covered 100%? Do you want a plan that increases coverage over time because you foresee expensive issues (dentures, crowns and implants) down the road? Do you need an expensive procedure ASAP and looking for a plan with a high year one annual maximum and no waiting period? Typing “senior dental insurance” into Google will provide you with a litany of links and articles to click on. Some of these links are research articles that bring together the best dental brands for seniors. You will see there is a lot of information out there. Once you know what you want for dental coverage, go through the process of getting a quote, find a plan that looks good, and dive into the details. What are some dental coverage plan items to look for? Premium – monthly cost of your insurance plan Coinsurance – a percentage of coverage you share with the insurance company Coverage of services – preventive, basic and major services may differ in coverage but typically follow a 100-80-50 percentage. Copays – this is the cost you pay each time you visit a dentist Deductible – similar to health insurance, the deductible (some are annual and some are a one-time lifetime fee) must be met before services are covered  You can also call the dental insurance customer service number to further speak with someone on getting the best plan option. Some dental companies hire experienced insurance agents to help answer your calls, so you know you’re getting the best information for the plan you’re interested in. Paying out-of-pocket for dental coverage Some people may not be able to afford dental insurance. That’s OK! Dental services can indeed be covered out-of-pocket. Some dentist offices may even set up a payment plan that works for you. You can also check out community dental events or dental schools for cheaper rates. On the other hand, if you can afford it, you may wonder if dental insurance is even worth it. Your teeth may be healthy, so you'll just pay out-of-pocket when an issue arises. This too can be done, but if you have dental insurance, you’re more likely to visit the dentist for annual checkups. Annual checkups are important because dentists can see and treat areas your toothbrush and floss cannot reach. As issues go unnoticed, more expensive procedures might be needed later down the road. If you do decide to pay out-of-pocket for dental care, be sure to visit your dentist regularly. Not only do they help clean your teeth and scrape away plaque you’re unable to wash away, they can also spot other health issues like heart issues, cancer and even osteoporosis. Dental discount plans Dental discount plans are not dental insurance plans. These act just like coupons. When you need a dental service, you’ll show your discount coverage and receive a percentage or dollar amount of the procedure. These are low-cost options and include advantages to dental insurance like no waiting periods and coverage for implants even if the tooth is missing. You will however miss out on preventive cleanings & exams covered 100% by typical dental insurance plans, and you may also get more coverage with a dental insurance plan on basic and major services. Choosing a dental insurance plan with the Direct Benefits Marketplace Whether you’re looking for an individual, family, senior or discount dental plan, the Direct Benefits Marketplace has you covered. With top dental brands to choose from, no matter where you live, you’re sure to get a great rate and have plenty of dentist options close by. If you have questions, our licensed insurance agents are standing by to help guide you to the best plan for you and your family. Shop the Direct Benefits Marketplace for dental insurance today and smile!   Sources: https://www.medicareadvantage.com/coverage/medicare-dental-vision-coverage https://www.healthline.com/health/where-to-find-free-or-reduced-cost-adult-dental-care#dental-schools https://www.health.com/condition/oral-health/health-conditions-dentist

Dental Insurance is as Efficient as You—Gig Economy

Dental Insurance is as Efficient as You—Gig Economy

As a gig worker in the gig economy, you know how to operate with efficiency; whether that’s knowing your niche and riding the wave of exhilaration to your next consulting opportunity or picking up people for rides during boost time periods, the gig economy allows those looking for more freedom to get the job they want on their terms and make money. You may not think dental insurance operates the same way, but it does! Dental insurance works with efficiency just as much as you do. There are all types of dental insurance plans on the individual market to choose from. Which one is right for you will depend on your needs. How much do you want to pay per month? Your monthly cost may be the first thing you check off when shopping for dental insurance. You want to make sure this fits within your budget before you purchase a particular plan. If you’re interested in getting the best value for your money, some additional research into the plans may be needed. But this is a benefit to you. Why pay for something if you don’t need it? For example, let’s say person A is healthy, wants the preventive cleanings 3x per year, and doesn’t require major restorative work, but may need it in the future. Person A will look for a plan that covers exactly this. Now, let’s say person B needs dental insurance ASAP, is looking for major restorative care (such as a crown) but doesn’t see a need for the annual cleanings. There is dental insurance out there with pricing reflecting both needs. Preventive cleanings are the ultimate efficiency tip Similar to saving more money earlier in life that will gain interest, you will also save more when you take care of your teeth earlier. Cavities can form from a very early age. Once cavities form, it becomes a haven for bad bacteria to thrive as brushing sometimes won’t reach the areas needed to be cleaned—a dental professional will be needed for this. With the bad bacteria continuing its way with degrading the tooth through the enamel, dentin and pulp, it may reach your connective tissue which would then require a root canal. Eventually, you may need an implant or partial dentures if the tooth needs to be extracted. Taking care of your teeth early saves you from pricey procedures later. It’s also no secret that bad bacteria that live in your mouth like to form a protective sticky substance called plaque that is difficult for you to remove. As noted above, a dental professional is needed to take care of this by scraping the plaque away and also getting to the areas difficult to reach. Dental insurance typically provides 100% covered preventive services allowing you to save more with preventive cleanings. Networks that bring savings & convenience If you’re interested in saving money, then you’ll definitely want to pay attention to which dental insurance plan has the network that works for you. The network is a contractual agreement by the insurance carriers to particular dentists that have reduced rates for dental services. If you choose to visit an in-network dentist, you will receive these lower rates. If you go out-of-network to visit a dentist, you will not get the lower rates, but may still get the benefits of the dental plan you chose. Different networks work with different plans. A DPPO (dental preferred provider organization) plan offers a wide net of dentists to choose from, whereas a DHMO (dental health maintenance organization) plan will be more limited but may offer better benefits. There are also dental discount plans that operate as a coupon would. You show up with your discount plan and receive a discounted rate from your service. If you have questions about particular plans, call your dentist’s office, or the insurance carrier to find out more. Waiting periods & the value of dental insurance Time is of the essence when it comes to efficiency. The quicker you solve an issue, the sooner you can move on to the next task at hand. When it comes to dental insurance, you may find some dental plans have waiting periods for certain dental services—but not all do. Shop dental insurance with no waiting periods to find the plan you want. The reason for waiting periods is to keep costs low. How do some dental insurance carriers offer no waiting periods with a competitive price? These dental insurance carriers are certain that once you see the advantages of receiving dental care with your insurance, you’ll see the value dental insurance brings and keep your insurance plan. The need for dental insurance and the gig economy The gig economy provides benefits on a multitude of levels. For the employer, they’re able to save time, money and become more agile in achieving their goals. For the employee, they get the freedom to choose where, when and what they’ll work on. On top of those benefits, the overall economy grows and the consumer is rewarded with lower costs and convenience. Dental insurance provides similar benefits mentioned above. Choice is front and center in getting the dental plan you need. There are plans with networks that save you more money and provide convenience by offering a location near you. There are also no waiting period plans and preventive cleanings that save you money in the long run. If you’re shopping dental insurance, the Direct Benefits Marketplace provides the best options from top brands for you to choose from. Compare plans and purchase in minutes. If you have questions, our customer support team loves talking dental insurance and guiding you to the plan that works best for you and your situation. Chat live with someone during business hours or give us a call!

Why You Might Need a Dental Clearance Before Surgery

Why You Might Need a Dental Clearance Before Surgery

When you head in for an elective surgery such as a knee or hip replacement (two of the most common elective surgeries), you may be confused as to why your physician requires a dental clearance before operating. First off, this is nothing to worry about and is common practice. What the medical doctor wants to ensure is your oral cavity (mouth, gums, teeth) are healthy enough to prevent bad bacteria from landing within the surgical repair location. This bad bacteria could cause infection and cause further damage even as the incision heals. To prevent this, the medical doctor will ask for a dental clearance. What is a dental clearance? A dental clearance might be needed before surgery to determine the health of the oral cavity—gums, teeth and mouth—to prevent infection to the surgical site. With all the bacteria teaming in your mouth, most of it is good bacteria. But some bad bacteria that form cavities and periodontal (gum) disease can enter the bloodstream to cause harm in other areas of the body. They are prone to attach to the heart. They can also find their way to open wounds, such as a surgical site. How does a dental clearance work? A dental clearance is performed by a dentist. When you schedule the appointment with your dentist, tell them you’re interested in receiving a dental clearance for an upcoming surgery. When you come in for the appointment, the dentist will give your mouth a thorough oral evaluation. The dentist will be looking for tooth decay and periodontal (gum) disease in particular. This includes noting any bleeding of the gums, recession, pockets, mobility and any other issues. A saliva test may also be ordered. This includes a saline solution you swish around and spit into a test tube that is sent for evaluation by a laboratory. This may take up to 48 hours to get the results. This will determine the type of bacteria found and will ultimately help determine the overall health of your oral cavity. Your dentist will follow up with the results and provide the dental clearance in the form of a written letter with copies of the salivary analysis and the periodontal charts. What if my results come back unacceptable? If your results come back in good health, you can proceed to your operation. However, if the results come back negative, your physician may not want to proceed with the operation. The dentist can then provide a treatment plan that could get your mouth back into good condition for the operation. Depending on how severe the issues are with your mouth will determine how simple or complex the treatment plan will be. Treatments that could occur to fix the issues for teeth are root canals or extractions. Gum treatments could include scaling or root planing. Keeping your mouth healthy is essential for complete overall health Receiving a poor dental clearance report isn’t the end of the road—it’s just the beginning to better oral and overall health. You may be someone that hasn’t visited the dentist in a while. Finding out you have poor oral health that prevents you from surgery is the first step to recovery. The treatment plan your dentist provides will help you going forward. Fixing the problems now ensures better health in the future. Dental procedures can be costly, but dental insurance helps cover some of the cost. With the Direct Benefits Marketplace, you can choose from a variety of plans that best suit your needs. Most dental plans cover preventive cleanings and checkups 100%, so you’ll always know where your dental health stands. There are also no waiting period plans that get you into the dentist right away. The procedures you’ll need to cover will also be listed under either basic or major services. With dental insurance, your teeth will always be in good hands.   Sources: https://www.dentistrytoday.com/focus-on/10456-focus-on-dental-clearance https://pocketdentistry.com/3-developing-the-treatment-plan/ https://www.mainedentalclinic.com/blog/getting-surgical-clearance-from-dentist/

Tooth Pain | The Dentist is Your Advisor

Tooth Pain | The Dentist is Your Advisor

It happens instantly. You’re chewing away, and suddenly, tooth pain strikes. Ouch! The next few moments are a mix of worry, sadness and hope; hope that the tooth pain will go away on its own and it was only just a temporary flare-up. When should you visit the dentist? Should you go at the first sign that something is wrong? Should you go after you wait it out a couple of days? One week? Two weeks? If you visit your dentist on an annual basis a couple of times a year as most dental plans offer, you’ll have a good idea of when you should go. The dentist is your advisor Visiting your dentist regularly helps you make decisions easier, and they set you up for success. Dentists examine your teeth and provide an action plan for what’s best for your oral health. If you’re in pain, dentists can diagnose the issue and tell you how to prevent it in the future. Dentists provide these services: Educates about dental hygiene Provides expert advice on products Examines X-Rays Fills cavities Removes plaque Analyzes growth of teeth and jawbones You may know you’re prone to sensitivity. Your dentist can recommend what to watch out for, products to use and how to combat the sensitivity. Routine cleanings are essential for pain-free teeth Your mouth is full of bacteria. Most of it is good bacteria, but some is bad. This bad bacteria acts as the instigators in creating cavities. As food particles are left behind in the mouth, the bad bacteria forms a sticky substance known as plaque. This plaque eats away at your teeth and causes cavities. If left alone, the cavities turn into bigger issues such as a root canal. As plaque grows, it becomes harder to wash it away with a toothbrush, floss or mouthwash. A dental professional is needed to achieve complete oral health. They will use their expertise to spot problem areas and scrape the plaque away thus ridding you of any potential issues down the road. Spotting other health issues Dentists not only treat teeth, gum and jaw issues, but they can also spot other overall health-related issues. They can diagnose early warning signs before they become issues. Research being published today is showing a connection between oral health and teeth health. Your dentists can diagnose: Diabetes Heart disease Osteoporosis Chron’s disease Anemia Stress If you suffer from bad breath and bleeding gums, this could be a sign you have diabetes. A sore and painful jaw may be a sign of an oncoming heart attack. And an X-Ray may show bone loss connected to osteoporosis. Fixing the issue Dentists not only provide the action plan when you step out of the office, but they’ll also take care of that issue you have right away. Dentists know tooth pain isn’t fun. Their job is not only to fix the issue but to make you feel at ease too. The causes of tooth pain include: Inflammation Infection Sensitivity Damaged Grinding 21st-century dentistry brings advanced tools to make the process of fixing your teeth painless and long-lasting. From Invisalign to laser dentistry to dental implants, new age dentistry is revolutionizing the way your teeth are taken care of. Dental insurance boosts your oral health Most dental plans include multiple preventive cleanings covered 100% each year to get you into the dentist to take care of your oral health. With the reasons listed above, the benefits of seeing the dentist go further than just going in for a cleaning. With the Direct Benefits Marketplace, you can choose from multiple plan options to get the right plan that works for you. Shop dental plans and feel protected today!

Ouch! Why is my tooth so sensitive?

Ouch! Why is my tooth so sensitive?

Teeth are instrumental in helping chew, drink, smile and even talk. Most of the time, teeth go by unnoticed. And then you take a drink of your favorite cold soda, and your world turns upside down. Ouch! What just happened? Your day was going along great, and now, you’re worried about your tooth! What could it be? How long will this last? Is this something I need to get checked? These are all great questions to ask yourself. Let’s dive in and see what the cause of your tooth sensitivity could be. Cavities Cavities form when bad bacteria combine with food, acid and saliva to produce plaque. This sticky-like substance eats away at your tooth enamel and forms a hole. This is the cavity and one of the more common reasons for your teeth sensitivity. In fact, did you know 91% of Americans over 20 have had cavities at some point in their lives? That’s a lot! How do you know if you have a cavity? Tooth sensitivity is the first clue, but you can also visibly see these little holes when you look in a mirror. Brown, black or white staining is another visible indicator. Tooth enamel erosion Tooth enamel is the protective outer layer of your tooth. It’s considered the hardest substance in the human body! But that doesn’t mean it’s not subject to wear and tear. When enamel begins to erode, sensitivity to hot and cold substances becomes apparent. As noted above, plaque is one way tooth enamel is worn down. Another way is by grinding your teeth which often occurs when you’re sleeping, and you might not realize you’re doing it. Gum recession Receding gums is a common dental issue, but it can be difficult to identify on your own. The main cause of gum recession is gum disease or periodontal disease. This occurs when bad bacteria accumulate and begin to eat away at your gum tissue. If you brush your teeth too hard or use a toothbrush with hard bristles, this also will take away your gum tissue. Genetics also plays a role. Some people are born with gums that are too weak or thin. Pregnancy Your body goes through a lot of changes during pregnancy. And one of these changes you’ll feel occurs in the mouth with tooth sensitivity. It can be difficult to pinpoint the exact cause of the sensitivity but here are a few things to consider: Increased blood flow to your gums Morning sickness Dietary changes An irregular dental routine An inflammatory response to your gums from hormonal fluctuations Some of these are difficult to avoid and happen naturally. Do your best to keep a regular dental hygiene routine at home. Cracked tooth or crown Do you remember recently eating something hard? Crunching down on a piece of ice or hard candy can result in a chipped, cracked or fractured tooth. You may not notice anything at first until you chew on something again or drink something hot or cold. If the chipped tooth doesn’t penetrate the nerve, you may not feel anything at all. But it’s still important to get it checked out to ensure there wasn’t further damage you can’t see. Whitening strips If you’re a frequent user of at-home whitening strips, this could be the reason for your sensitivity issues. The main ingredient for most whitening strips is hydrogen peroxide. This by itself can lead to sensitivity. Also, if you eat or drink anything hot or cold right after you take the strips off, this will cause sensitivity issues. It’s important to follow the instructions of any product you purchase. If sensitivity continues, seek out a dentist.   The dentist is your advisor When you have questions about your teeth, there’s no better person to go to than your dental professional. Dentists can take X-Rays and evaluate your teeth to determine the cause of your sensitivity. They can provide an action plan for you to feel better. Here are some services they can provide from the examples given above: Cavities: fillings or cap Enamel erosion: Crown, inlay/onlay Gum recession: Gum surgery Pregnancy: Advice on how to limit your sensitivity Cracked tooth: Filling, cap, crown or veneer Whitening strips: Professional products or services to use Dental insurance helps protect your smile and your wallet by getting you in to see your dentist at a discounted rate. It adds stability to your life knowing you’re always covered if something arises and you can get in to get your annual cleanings. Use the Direct Benefits Marketplace to choose from the top dental brands and find the dental solution you’re looking for today!

6 Ways to Boost Your Dental Routine at Home

6 Ways to Boost Your Dental Routine at Home

From a very early age you’re taught to brush your teeth twice a day. Typically, this occurs when you wake up and when you go to bed. This can seem like a mundane task to accomplish but the reward of having clean teeth is exponential. Having a good dental routine rewards you with: Fresh breath No tooth pain Little to no cavities Healthy gums That clean, minty feeling A survey conducted finds nearly 70% of Americans brush their teeth twice a day leaving 30% that don’t brush enough. Is it boredom? Forgetfulness? Too much going on? Here are 6 ways to boost your dental routine to keep you motivated and flossing away. 1. Revamp the old and bring in the new People love shopping. And what better way to get excited about brushing your teeth than to purchase a new toothbrush! Those fresh out-of-the-box bristles will energize you to brush more. Package your purchase with floss and new mouthwash too. Toothbrush Have you thought about using an electric toothbrush? The battery-powered toothbrush knocks away bad bacteria with ease and prevents gum erosion. If electric isn’t your thing, feel the love with a soft bristle toothbrush. Your teeth will bathe in delight. Floss Don’t settle for the floss your dentist provides—buy floss you’ll actually use. Did you know some floss is designed to fit small spaces? Look for floss that is waxed that eases the floss in-between your teeth for ultimate comfort. Try the mint flavor! Mouthwash Purchasing mouthwash is an added reminder to go further with your dental routine. And even though mouthwash doesn’t replace brushing and flossing, it does give you a quick option if you’re running late to get some fluoride on your teeth. Just remember to not eat or drink anything for 30 minutes after use to get the most out it. 2. Purchase additional tools you haven’t thought of Besides the typical toothbrush and floss, how about a water flosser? Water flossers add a new sense for your teeth as water is pummeled in-between your teeth to dislodge particles. Another floss-like tool is a dental pick. Dental picks or mini brushes may provide better control to get in-between your teeth. Tongue scrapers are also an effective tool that helps wash away the bacteria that gives you bad breath. Purchase these tools for a more robust dental care routine. 3. Take an active break with mindfulness Do you find yourself rushing and not having the time to brush your teeth? Combine this activity with mindfulness. Mindfulness is the practice of gathering your thoughts with your breath and relaxing. When you use mindfulness while brushing, you’ll feel more energized and refreshed when you’re finished. This will create positive feelings, and you may even find yourself looking forward to brushing. If flossing doesn’t do it for you because you just don’t have the time, mindfulness will help keep your focus on the task at hand. Imagine, taking your time, flossing between each tooth, dislodging all the crud, taking a breath, listening to the water as it hits your toothbrush, feeling the bristles glide over your teeth and finally enjoying that fresh, crisp feeling your mouth will feel when you’re complete. 4. Drink more water with acidic drinks Outside of brushing and flossing, there are other techniques to utilize. Acidic drinks weaken your tooth enamel. So before drinking acidic beverages such as orange juice or coffee, take a sip of water. This prevents the acidity from directly attacking your teeth. In the same light, avoid brushing your teeth after you drink acidic beverages. 5. Eat foods that help Crunchy fruits and vegetables such as broccoli, kale, apples and pears act as natural brushing and flossing agents as they dislodge particles from your teeth. Your saliva then acts as an important natural tool your body uses to wash away unwanted bacteria. If you leave for work or school without brushing, don’t worry! Simply grab some crunchy fruits and vegetables to help you through. 6. Teeth whitening Teeth whitening is cosmetic mainly and not for health. That said, people typically take the care necessary to brush their teeth before using the whitening strips, which is how whitening lands on this list. You should always brush your teeth before using whitening strips to avoid getting trapped bacteria between the strips and your teeth. However, it is recommended for sensitivity purposes not to brush your teeth immediately before using the strips. Wait at least half an hour. Also, always consult your dentist prior for the proper way to use whitening strips. Dental insurance gets you into the dentist for a more thorough cleaning There are some things your dental routine at home cannot accomplish without a dental professional. This occurs when bad bacteria hardens to form plaque that brushing cannot wash away. This is performed by a dentist or a dental hygienist by scraping your teeth. This is essential for your complete oral care because these bacteria form cavities; cavities turn into root canals and eventually, in extreme cases, tooth loss. Dental insurance helps get you into the dentist for these cleanings and checkups. The Direct Benefits Marketplace puts the top dental plans side-by-side for you to choose which plan works best for your situation and lifestyle. Choose the Direct Benefits Marketplace for your dental solution.

Stressed? Teeth Grinding Tells the Story

Stressed? Teeth Grinding Tells the Story

Stress comes and goes with everyday life, and it can be difficult to know when stress is physically harming you. Stress affects mood, behavior, overall health and even your way of thinking. One result of stress is teeth grinding. Teeth grinding, also called bruxism, mostly occurs unconsciously while you’re awake or while sleeping. Up to one-third of adults grind their teeth during the day and more than 1 in 10 at night. These numbers have increased since the start of the pandemic. Pandemic-related anxiety has led to an increase in tooth fractures due to teeth grinding. Dentist Laura Philip says she’s seen more tooth fractures in six weeks than in the previous six years. Identifying the signs of grinding becomes essential not only for teeth health but also a way for you to know when your stress is causing issues. How do you know when you’re grinding your teeth? Identifying teeth grinding yourself is difficult to do. After all, if this is happening unconsciously, how can you tell? A common response dentists hear from their patients is, “I never grind my teeth.” But dentists can see a different story. Here are some symptoms to identify yourself: Headaches Sleep issues Sore jaw Chipped teeth Abnormal bite If you do find yourself with these symptoms, visiting a dental professional will help clarify your issue. Dentists check your teeth for cracks, chips, loose teeth and excessive wear. What are the effects of teeth grinding? Catching teeth grinding early is essential to preventing further teeth complications. As grinding continues, teeth begin to wear away. Your once enamel-protected tooth becomes worn down, and dental procedures will be needed to protect it from disease. These include bridges, crowns and root canals. If the grinding becomes so severe, tooth loss could be a result. You’ll then need implants or partial dentures. Other potential problems occur with the jaw and muscles in your face. Temporomandibular (TMD) is a disorder that causes a clicking or popping sound when the mouth opens and closes. Difficulty in chewing or an uncomfortable bite ensues. What you can do to prevent teeth grinding If you find yourself grinding your teeth, the good news is you can prevent it. Here are some ways to accomplish this: Manage your stress. It’s easy to forget about stress because when you’re stressed, it’s difficult to slow down. Set scheduled breaks throughout the day to remind yourself to relax. Take some deep breaths and grab a drink of water. Eating healthy and exercise helps regulate your stress as well. Even try mindfulness while brushing your teeth. Work on better posture when sitting. When you lean forward while sitting with bad posture regularly, this puts excessive strain on muscles and joints in the head, neck, shoulders and jaw. Posture exercises will help your body loosen up and thus help lower the risk of teeth grinding. Even taking a break to stand and “wiggling” your body to loosen up can help. Purchase a mouthguard to protect your teeth. Mouthguards are a tool in the toolbox to combat teeth grinding, but it won’t solve the issue. Your teeth are still grinding away. That said, mouthguards do help slow the wear and tear. There are different varieties available including over-the-counter mouthguards. But some over-the-counter mouthguards can make underlying conditions worse. It’s best to visit a dentist that can diagnose the issue and provide a custom-made mouthguard that fits your teeth. Dental insurance gets you into the dentist Stress or no stress, teeth grinding can happen to anyone. And as noted, you may not know it’s occurring. Dentists help you identify signs of teeth grinding and provide you with solutions to keep your teeth healthy—and dental insurance gets you into the dentist. Dental insurance actively promotes preventive care with cleanings and exams typically covered 100% (depending on your plan) multiple times per year. This ensures your teeth stay strong. If you are in need of a dental procedure due to teeth grinding, dental insurance helps cover your out-of-pocket costs. If you’re looking for the right dental insurance plan, the Direct Benefits Marketplace carries a variety of brands to give you more choice. Compare the best plans side-by-side and don’t be afraid to give us a call or use our chat feature on the website. We have experts standing by that love talking dental insurance and finding dental solutions for you.

Clean Teeth, Happy Heart, Healthy You!

Clean Teeth, Happy Heart, Healthy You!

As we assess our overall health, heart health typically springs to the top—and for good reason. The heart is the powerhouse of the body and pumps nutrients and oxygen throughout the day and through the night. What about teeth health? Did you ever think there could be a connection between your teeth and your heart? Before we dive in to the connection, check out these heart facts from the CDC: Heart disease is the leading cause of death for men and women in the U.S. One person dies every 36 seconds in the United States from cardiovascular disease Someone has a heart attack every 40 seconds Coronary heart disease is the most common type of heart disease, killing 365,914 people in 2017 As you can see, the heart is a major concern for a lot of people across the U.S. We want the heart healthy, and dental health is in fact one major piece of the heart health strategy. Oral health linked to heart health There are many facets to complete heart health that you probably know well: exercise regularly, eat healthy, avoid smoking, drink alcohol in moderation, and manage your stress.  Now add oral care to that list. Numerous studies have shown a link between bad bacteria from the mouth entering the bloodstream and attaching to the heart that either causes inflammation or infection. Just as the heart works hard, so does your mouth. Chewing and swallowing those nutrients you put into your body puts a lot of responsibility on your mouth to perform at a high level. Trouble arises when the mouth isn’t performing at a high level (cavities, missing teeth). Gum disease is a main contributor that affects heart health. How does gum disease affect heart health? Gum disease, or periodontal disease, occurs over a period of time when food particles are not washed away, and bad bacteria begins to form and build plaque. This creates a pocket that attacks your tissue and bone. Tooth loss is a result of severe periodontitis, and chronic inflammation may set in. This not only affects the immune system, but also the heart. People that have gum disease are two to three times as likely to have a heart attack, stroke, or other serious cardiovascular events. The plaque that’s created is carried through the blood and builds up inside arteries. This fatty plaque that has formed is known as atherosclerosis and is the prime instigator of coronary artery disease. How to avoid gum disease? Gum disease is prevalent among Americans. 47.2% of adults aged 30 and older suffer from some form of gum disease. What can you do to prevent gum disease? Brush and floss twice a day Use mouthwash as needed Be mindful of what you put into your body (smoking, diet) See your dentist regularly You’ll see that the at-home dental care routine is essential to prevent gum disease. But seeing a dentist is also important. This is because once plaque is established, it can harden and form “tartar.” Unfortunately, tartar can not be removed by brushing and flossing at home. You must visit a dental professional such as a dentist or a dental hygienist to remove the tartar. If you have severe gum disease, surgery may be needed to reverse the infection. If the disease gets too far along, compounding issues occur: tooth loss and bacteria moving to other areas of the body. Dental insurance helps your teeth and your overall health Dental insurance, unlike health insurance, puts emphasis on preventive care. Dental insurance ensures you get into the dentist for regular cleanings and checkups. Plus, Dentists not only check on your teeth and gums, but they can also diagnose diabetes, cancer, HIV, anemia and chronic kidney disease. If you’re looking for dental insurance to help protect your teeth and your overall health, the Direct Benefits Marketplace makes it easy for you to choose the plan that works for you. With a variety of brands to choose from, your dental solution is here.

5 New Year’s Resolutions for Dental Health

5 New Year’s Resolutions for Dental Health

New year’s resolutions are a way for people to look back at the past year, reflect and make appropriate changes for the following year to better themselves. Some of the more common resolutions you may have said yourself might be to exercise more, eat healthier, learn a new skill or travel more. What about new year’s resolutions centered around dental health? Sound boring? Well, did you know oral health is directly linked to overall health? In fact, oral health has been linked to the cause of these diseases and conditions: Cardiovascular disease Endocarditis Stroke Diabetes Pneumonia Pregnancy and birth complications With improving your oral care as your new year’s resolution, you’re adding an additional layer of protection for your overall health that will allow you to be more productive and most importantly, healthy. So cheers to your oral care 2021 new year’s resolution and these 5 tips! 1. Revamp your dental care hygiene routine We all know brushing and flossing on a regular basis is the foundation for good dental health. So why not treat yourself and purchase a toothbrush that will get you excited for brushing your teeth. Maybe you’re thinking about switching to an electric toothbrush, but it’s too expensive. Is there anything in your budget that you could cut out to replace the expense? According to the American Dental Association (ADA), electric toothbrushes clean better than manual toothbrushes. The pulsating action breaks up plaque and sweeps it away, something a manual toothbrush can’t do as effectively. The same goes for flossing. If you don’t floss because you hate it, there are other options out there: Dental pick Water flossing Interdental brushes Tape floss Investing in a floss option that will motivate you to floss more is a step in the right direction. And let’s admit it: brushing is so much easier than flossing. But bacteria gravitate to those places that are hard to reach and where food typically gets lodged and missed by your toothbrush. Flossing rids these particles and does not allow bacteria to build plaque. 2. Make your teeth dance with a deep cleaning twice a year Your brushing and flossing routine is flawless, yet you still find a pain growing in your bottom molar. You head to the dentist and they say, you’ve got a cavity. But wait! I’ve done everything you’ve asked. Brush and floss daily and visit the dentist twice a year! Two words: Streptococcus mutans This little booger is the main contributor to tooth decay and breaking down your enamel. And dentists happen to be the best Streptococcus mutans hunter you’ll find (and dental hygienists). So get to your dentist and ensure those extra difficult places get cleaned by a professional. 3. Restore your teeth for ultimate strength As mentioned above, sometimes no matter what you do, bacteria will prevail and cause your teeth some concern. But it doesn’t mean you failed and that’s the end of the line for your tooth. There are plenty of oral care techniques that stop corrosion and help keep your teeth strong and healthy. Armor for tooth Fillings are needed to fill a decayed tooth before further damage occurs. If a tooth has been left alone for too long, a crown will be needed. And bridges help keep crowns in place on multiple teeth. Replacements for tooth If a tooth needs replacing, a dental implant may be needed. Implants help maintain and strengthen bone structure, provide the ability to chew food and provides the confidence a smile can bring. Dentures are another option for replacing teeth in bad condition. 4. Be mindful of what you put into your body For this section, you can throw in the kitchen sink with your new year’s resolutions: quit smoking, eat healthier, drink more water and limit sugary foods and drinks all suffice as oral care essentials. Even eating crunchy fruits and vegetables helps saliva production with your teeth—which helps wash away food debris. Combining these actions with a regular oral care routine will keep your teeth clean and healthy. 5. Saving and staying healthy with dental insurance You’re only as strong as your weakest link. If you have a tooth that’s hurting, even though 97% of your teeth are still OK, that one tooth will still bring your spirits down. When your tooth hurts, a trip to the dentist is typically required. But, some people don’t make it to the dentist as: 59% say cost affects their decision 22% are afraid 19% cannot find a convenient location or appointment time Dental insurance can help with these issues: 1) Dental insurance brings down the cost with network savings, coinsurance and annual maximum money that is yours to use throughout the year; 2) By choosing a dental insurance network that is expansive, your options will automatically multiply so you can find a dentist close to you that also saves you money; 3) And although dental insurance may not help with dental phobia itself, knowing that you have dental insurance that will save you money may help ease the anxiety you experience. One place to get all the information you need plus purchasing dental insurance is the Direct Benefits Marketplace. We offer plans you can compare side-by-side, and a call center team that are licensed agents who don’t get paid on commission. They will provide superior guidance to help you in your decision of which dental insurance product is right for you and your family. Your dental solution is here!

How Do Insurance Deductibles Work for Dental & Vision Plans?

How Do Insurance Deductibles Work for Dental & Vision Plans?

Shopping for dental or vision insurance on your own can be daunting, especially if you come across terms that you aren’t familiar with. A couple of examples are maximums and deductibles. What do these terms mean, and how do they factor into your out-of-pocket costs?    What is a dental insurance deductible? Here’s a basic insurance deductible definition: this is the amount of money that you’ll be required to pay annually before certain types of coverage will kick in.  As you work on calculating how much dental insurance will cost, remember to include the deductible along with the premium. However, unlike a premium, which is what you pay to be enrolled in a plan, a deductible is paid towards professional care in the dentist’s chair.  Here’s an example: if you sign up for a plan that has an annual $200 deductible, certain types of dental care won’t be covered by the insurance until you meet that deductible. How do you meet it? Well, whenever you see your dentist for treatments that aren’t immediately covered, you’ll need to pay for them out-of-pocket. But, once you spend the $200, your insurance will take over and help pay for future treatments.  Note: Once a new year starts on your plan, your deductible will reset.  How do insurance deductibles work if you have a family dental plan? If you’re planning on signing up for a policy that will cover your whole family, read the details to learn about the deductible. You’ll likely find that there’s an individual deductible, along with a family deductible. It’s a little more complicated, but once you get the hang of things, it’ll make sense.  As individual members of your family receive dental care, and pay towards their individual deductibles, that money will also be applied to the family deductible. Then, once the family deductible is reached, deductibles will no longer apply for anyone, and your insurance will provide the additional coverage.   Here’s an example: if your household of four has a family deductible of $200 and an individual deductible of $100, if two members of the household meet their individual deductibles, the family deductible will also be met.  Remember: Before the family deductible is met, if an individual deductible is fulfilled, that person will receive the additional coverage, while other members will still need to pay towards their individual deductibles. However, once the family deductible is met, everyone in the family, regardless of whether or not they met their individual deductibles, will reap the benefits of the extra coverage. Does all dental work count towards the deductible? The answer to this question depends on the plan that you sign up for.  With some plans, you might be able to receive certain types of care by paying a copay at each visit, without needing to worry about a deductible. Also, many plans will cover preventive care at 100%. On the other hand, you might find that restorative treatments, such as crowns, will only be covered after you’ve met the deductible.  Knowing which out-of-pocket payments count towards the deductible will give you a better idea of how much you’ll need to budget. For example, if you need a treatment within a category of care that comes with a copay, it may or may not count towards the deductible.  Are there plans with no dental insurance deductible? Yes, you might be able to find plans that don’t have a deductible! A DHMO may not have a deductible to worry about, while a DPPO usually has one.  Deductibles vary from one plan to the next as well, so you can search for policies that have the lowest deductibles if that’s what you’d prefer.  What is a dental annual maximum? A dental insurance annual maximum refers to the amount of money that the provider will pay in a year to help cover the cost of care you receive. This, too, will vary from one plan to the next.  If you’re the type of person who typically needs a lot of expensive care, opting for a plan with a higher annual maximum can help you save more money.  Example: a plan that has an annual maximum of $5,000 will pay out that much money before you’ll be responsible for any additional treatments you need.    Once your plan renews at the start of a new year of coverage, the annual maximum will be reset.  What should you do when you max out your dental insurance? The good news is that many people don’t end up hitting the annual max on their dental plans. However, if you do, you’ll be responsible for any care you receive from that point forward, until the plan renews the following year.   If you’re concerned about being able to pay for care totally out-of-pocket, talk to your dentist. You might be able to hold off on receiving treatment until your plan renews and the annual maximum resets. Or, you might be able to schedule treatments in a way that will help you avoid hitting the annual max.    Does vision insurance have a deductible? In many cases, you won’t need to worry about a vision insurance deductible. Most plans don’t include this cost. However, you may have other expenses, such as copays, and there might be an annual maximum too.      Use the Direct Benefits Marketplace to shop for dental and vision plans Looking at all of the details that make dental and vision plans unique can be tedious. That’s why the Direct Benefits Marketplace makes it simple to browse and compare policies, whether you’re searching for dental insurance with no waiting period and no maximum or vision insurance with no deductible. 

Oral Cancer Signs, Treatment & Insurance Coverage

Oral Cancer Signs, Treatment & Insurance Coverage

Oral cancer can occur in the mouth or throat, such as on the cheeks, gums, tongue, lips, roof of the mouth, or base of the mouth. A person can be diagnosed with this cancer at any age, but the risk tends to increase as you get older. And the risk is also higher if you drink heavily or if you’re a smoker.   Once it starts to grow, it can spread, so it’s wise to check your mouth at home for oral cancer signs, as well as have your whole mouth examined by a dentist. This strategy can help boost the odds that you’ll recognize the earliest signs of this disease so you can receive treatment sooner.  Continue reading to learn more about the early signs of oral cancer, and how your dentist can help.  What does oral cancer look and feel like? It’s a good idea to become familiar with some of the main symptoms that are associated with oral cancer so you can keep an eye out for them.  This type of cancer can provide some warning signs, so if you notice something is wrong, visiting a doctor or dentist right away can help you get a proper diagnosis, as well as start treatment immediately, if necessary.  Here are some of the things to look out for as you check the inside of your mouth in the mirror at home: A red or white patch or spot that is painless and flat Thickening of the skin A lump or swelling Rough or crusted spots Bleeding in the mouth or throat A sore that isn’t healing and bleeds easily Tenderness, pain, or numbness that develops in the lips or mouth Other symptoms that might occur include: Sore jaw Sore throat Earache Hoarseness Loose teeth A change in your bite Trouble chewing, speaking, swallowing, or moving the jaw or tongue Note: Some experts recommend waiting about two weeks to see if the symptoms resolve on their own. But if you feel like you need to see a dentist or doctor sooner, definitely do so. Is oral cancer curable? It is possible to treat oral cancer, and be cured, especially if you catch it in time. The goal is to become aware of the problem in its earliest stages before it has had a chance to spread.  Oral cancer treatment options might include surgery, radiation and chemotherapy. Remember, the sooner you can receive treatment, the better!  How is oral cancer detected early? To look for oral cancer signs, try to check the inside of your mouth regularly, and don’t forget to examine your lips as well. By doing so, you can become familiar with what your mouth looks like, and that knowledge will help you keep track of what’s normal and what’s abnormal for you.  In addition to checking your mouth at home, seeing your dentist on a regular basis, such as twice a year, is a smart move because dental professionals know how to carefully examine your mouth for indications that something is wrong. They are trained to look for early oral cancer on gums, the tongue, and other areas of the mouth.  At your routine dental check-up, it’s also best to discuss any symptoms that you’ve experienced, or anything that you noticed in your mouth that doesn’t appear normal to you. Be upfront, as there’s no need to feel embarrassed!  In the event that your dentist finds something that may be cancerous, he or she might take a sample of cells from your mouth, or you might be referred to a specialist for further evaluation and a biopsy.  Can dental Insurance help? Because your dentist can perform an oral cancer screening at a check-up, yes, dental insurance can certainly come in handy! Preventive care that includes check-ups and screenings is usually covered at 100%, so you can save a lot of money, and you won’t need to sacrifice seeing the dentist often.  Being able to afford dental care is so important because simply seeing the dentist can make a big difference when it comes to catching problems as early on as possible. Plus, your dental insurance, along with your medical insurance, might step in to support you financially if you’re ever diagnosed with oral cancer and need to undergo treatment. This can be especially helpful for seniors on a fixed budget.  Bottom line: going to the dentist is about more than just keeping your teeth and gums in tip-top shape; it can also help catch oral cancer before it’s too late! So, if you don’t already have insurance that can help make appointments more affordable, consider browsing the many plans on the Direct Benefits Marketplace to get started.   

Coverage for Young Adults on Parents' Dental Insurance

Coverage for Young Adults on Parents' Dental Insurance

How Long Can You Stay on Your Parents’ Insurance? Many people over the age of 18 remain on their parents’ insurance plans. But how long can you stay on your parents’ insurance before you’ll be required to get your own plan? To help clear things up, we’ve compiled a list of FAQs about this topic. How Long Can I Stay on My Parents’ Dental Insurance? Being able to stay on your parents’ plan means you can reap the benefits of their insurance policy for quite a few years after you’ve graduated high school or college. And this can be really helpful if you have trouble finding a job that offers these benefits, if you have a job but don’t receive dental benefits, or if you would struggle to afford going on your own dental plan.   But, when it comes to how long you can stay on their plan, the answer isn’t so simple. Some dental insurance providers might allow you to stay on your parents’ plan until you turn 26. This is the same age limit set by the Affordable Care Act (ACA) for health insurance. The problem, though, is that the ACA didn’t set the same rule for dental insurance. Therefore, not all providers let you stay on your parents’ plan that long.  So, how long can children stay on parents’ insurance? Well, the answer may vary from one provider to the next, and it might also vary by state. For example, you might not be eligible once you turn 19, especially if you were on a health plan that provided pediatric dental services.  Do I Have to Be a Full-Time Student to Stay on My Parents’ Insurance? And Can I Stay on Their Plan If I Have a Job? Regardless of whether you’re single, married, working, unemployed, or going to school, you should be able to receive the dental coverage you need if your parents keep you on their family plan, as long as the insurance provider allows this level of coverage.  Remember, not all plans have the same age restrictions. So, it’s necessary to check the details of your parents’ policy to determine when you’ll no longer be able to stay on it.  Can I Stay on My Parents’ Insurance After 26? If your parents do have a dental insurance plan that provides coverage to dependents until they turn 26, you’ll be able to receive coverage until your 26th birthday. After that, you will need to sign up for a plan of your own. Thankfully, there are a lot of surprisingly affordable options available, so you don’t need to stress.   How Do I Shop for My Own Dental Insurance Plan? Having dental insurance as an adult is certainly beneficial. Your teeth change as you age, and it’s just as important as ever to maintain a great oral hygiene routine, while also seeing your dentist regularly for checkups and cleanings.  Sure, being on your parents’ policy can be convenient because you don’t have to worry about gaps in coverage, you might be able to save money, and you don’t need to fret about any changes to what you’re used to. But there are a lot of comprehensive plans out there, so if you start your search, you might realize that you can actually get an even better policy than the one that your parents have! When you’re ready to shop for dental insurance, check out the Direct Benefits Marketplace, where you can browse the plans that are available in your area. Compare the policies, and then select the one that meets your needs best. Once enrolled, you’ll be able to continue seeing your dentist while saving money, and you’ll be able to say you did it all by yourself!

Dental & Vision Self-Employed Insurance Options

Dental & Vision Self-Employed Insurance Options

When you’re self-employed, you’re used to making big decisions for yourself, especially when it comes to your dental and vision insurance because an employer isn’t there to cover those benefits for you. Although it might be a little scary to think about the costs of buying insurance for yourself and your family, the great news is that there are a lot of affordable choices available for people just like you. When it comes to dental and vision insurance options, you don’t need to miss out, and you don’t need to break the bank to get the coverage you want. To tackle this important topic, we’ve compiled a list of frequently asked questions surrounding self-employed insurance. Check out the information below to see how easy it is to make sure you’ll be able to maintain your oral and vision health.  Can I Buy Dental Insurance on My Own? Absolutely! Self-employed insurance plans are available to entrepreneurs and those who run their own businesses, as well as those who work as freelancers or independent contractors. You don’t need to be traditionally employed to get high-quality, comprehensive coverage!  In fact, when searching for dental and vision insurance for self-employed individuals, you’ll likely realize that you can get similar plans to those that employers can buy for their employees.   Does Self-Employed Health Insurance include Dental? As you shop for health insurance, you might find plans that include dental coverage. This may be a convenient option if you want to get everything from a single provider, with one premium to pay each month. Just be sure to read the details so you’re aware of any limitations. Alternatively, you can search for separate dental insurance plans that don’t come as part of your health insurance package. You might discover that a standalone dental plan provides you with the level of coverage that you prefer, at a price you can afford.  What Is the Best Insurance for Self-Employed Workers? The best insurance for individuals who are self-employed is one that’s affordable and comprehensive. Here are a few things to keep in mind while you look at the options that are available: Self-employed dental insurance plans  There are different types of dental insurance plans, such as HMOs, PPOs, and indemnity plans. Each has its own pros and cons to consider. For example, compared to an HMO, you might have more freedom to use a dentist that’s out-of-network with a PPO, but you may not get the same amount of support as you would if you went to an in-network provider. On the other hand, with an indemnity plan, you might be able to choose any dentist you want, and the insurer will cover a percentage of the cost. With dental insurance, there are different categories of care that you can receive. These are known as preventive care, basic procedures, and major services. Coverage for each category will vary from one plan to another. For example, an insurer might cover 100% of preventive care, 70% of basic procedures, and 50% of major services, and you’d be responsible for anything that the insurer doesn’t cover. If you have a particular dentist that you want to continue using, it’s wise to search for a plan they accept. It’s also a good idea to check if you’d need to get a referral to see a specialist. Dental insurance plans typically come with various out-of-pocket costs, such as a monthly premium, co-pay, deductible, and coinsurance. And there may also be an annual maximum that dictates how much the insurer is willing to spend each year to help you get the care you need. Self-employed vision insurance plans  As is the case with dental plans, a vision plan will come with out-of-pocket costs, such as a monthly premium, deductible, copay, and coinsurance, and there might also be limits on the amount of support you can receive annually. Vision plans might have limits on the types of coverage that they provide for things like exams, glasses and contacts, and laser vision correction procedures. It’s a great idea to see if there are limits in coverage if you see an out-of-network provider, or if you need a referral to see a specialist. If there’s an eye care professional that you want to continue using, consider enrolling in one of the plans that they accept. Is Dental Insurance Deductible for Self-Employed People? Are dental insurance premiums deductible for self-employed individuals? Yes, in the same way that you may be able to deduct the costs of health insurance and medical care, you might be able to take advantage of a self-employed dental insurance deduction and/or vision insurance deduction come tax time. Plus, you might be able to deduct some of the out-of-pocket costs that you incurred throughout the year when receiving dental and vision care.  Discuss this with your accountant or a tax expert for personalized guidance, as that is the best way to determine if you qualify for these types of deductions, which might help you save money.  Start Shopping for the Best Insurance for Self-Employed Pros! It’s extremely important to take great care of your teeth and gums, as well as your eyes and vision. But dental and vision costs can quickly add up when you’re paying for them completely out-of-pocket, Thankfully, there are low-cost vision plans, as well as affordable dental insurance plans for self-employed people.  When it comes to getting self-employed dental insurance, or vision insurance for self-employed professionals, the process is straightforward. You can use resources like the Direct Benefits Marketplace to browse the many options that are available in your area, and you can compare plans to see which ones suit your needs, preferences, and budget best. Then, once you’ve made a decision, you can enroll quickly and easily, at any time of year, and start reaping the benefits of your coverage before you know it. 

Why Dental Insurance for Kids is Important

Why Dental Insurance for Kids is Important

Kids of all ages can end up with cavities and gum problems if their teeth and gums aren’t taken care of properly. That’s why, in addition to teaching your children about the importance of brushing and flossing, it’s necessary to take them to the dentist regularly so they can receive professional level care.  If you’re like a lot of parents, you might be concerned about the cost of high-quality dental care for kids, but dental insurance can help you afford every visit without breaking the bank. That’s right: in the same way that adults benefit from having dental coverage, kids can too!  To better understand the perks of signing up for dental insurance for kids, check out the FAQs below.  Does Health Insurance Cover Kids Dental Care? Under the Affordable Care Act (ACA), dental care for individuals up to 18 years of age is considered essential, so insurance companies have to offer dental insurance for kids. However, buying this type of insurance is optional, so you won’t get hit with a penalty if you don’t have pediatric dental insurance. Also, in most states, you won’t be required to have this insurance, but check your local laws to be sure.  If you do want to get this insurance for your kids, you can get coverage that comes as part of a medical plan, or you can decide to purchase a standalone plan that’s separate from your medical insurance policy. It’s important to compare the level of coverage offered by both of these options. You might discover that a standalone dental plan is more comprehensive.  Do Kids Need Dental Insurance? Maintaining dental health for kids is extremely important. Therefore, having dental insurance can be helpful, especially when it comes to affording expensive checkups, treatments, and orthodontics.  Dental insurance can be there to help cover the cost of the following:     • Exams         • X-rays        • Cleanings     • Preventive care     • Treatment for cavities and early childhood caries     • Emergency treatment of injuries and damage caused by accidents     • Fluoride treatments     • Orthodontics for aligning teeth and fixing bite problems  When Should I Get Dental Coverage for My Child? By now, you might be wondering if you need to go ahead and get dental insurance for a baby or toddler. And you might be thinking about what’s covered under pediatric dental insurance.  When do kids need dental insurance? Well, you can get coverage for your baby so they can visit the dentist by the time their first tooth grows in. Plus, getting this type of insurance so early on in a child’s life can be a smart move because the dentist will keep an eye on their mouth as it grows, and will also be able to identify the earliest signs of problems that need to be treated promptly.   Whether your children end up with cavities in their baby teeth, your dentist realizes that they would benefit from orthodontics, or anything in between, having the right insurance can give you peace of mind. You’ll receive support that can help you afford all of the appointments and treatments necessary to maintain your kids’ oral health.  Getting Dental Insurance for Kids Is Easy! Shopping for dental insurance that will cover your children is simple, especially if you’re already accustomed to buying insurance for yourself and your family.  You can start by comparing plans on the Direct Benefits Marketplace. Consider how much you can afford in out-of-pocket costs, the level of coverage that you’d prefer, and the dental professionals that you want to continue using.  Once you’ve found the right plan, you can sign up quickly and easily. Then, you can start taking your kids to the dentist without always worrying about how much it’s going to cost.