Dental Health Insurance
Similar to health insurance, dental insurance plans vary widely with different premiums, plans, and benefits. Finding the right dental plan for you can significantly save the user’s coverage and out-of-pocket- expenses.
The following are the most common designs that dental insurance for your oral health can fall under:
Directed Reimbursement programs
This program reimburse patients a fixed percentage of the total amount spent for dental care, regardless of the treatment type and category. This allows patients the freedom of going to the dentist of their choice.
Usual, Customary & Responsible (UCR)
This dental plan also allows patients to go to the dentist of their choice. This plan pays for a fixed percentage of the dentists’ fee and other co pay type of expenses. Although these limits are called “customary,” they may or may not accurately reflect the fees that area dentists charge. There is wide fluctuation and lack of government regulation on how a plan determines the “customary” fee level.
Table or Schedule of Allowance
Table or Schedule of Allowance dental programs provides a list of covered services or treatments with a specific assigned dollar amount. This fixed amount represents how much the plan will pay for regardless of the fee charged by the dentist. The difference between the allowed charge and the dentist’s fee will be covered by the patient.
This dental plan pays contracted dentists a fixed amount in the form of a monthly premium. The dentists then agrees to offer specific types of treatments to the patients at no extra charge.
Where Can I get Dental Insurance Today?
If your job or current insurance provider does not provide dental insurance you have the options of finding other plans on such websites as healthcare.gov where 1 in 3 health care plans include a dental plan for children. These premiums for children are substantially cheaper than the premiums of adults. Other plans offer an add on option of dental insurance to their plan. If you qualify, Medicaid expansion is another accessible dental care for low-income adults.
Why Is Oral Health Is So Important?
Taking good care of your oral health is an important goal in itself. In fact, good oral health will help improve your overall health and well-being in the long run. The latest research shows a connection between oral health and general health. A healthy mouth can help you ward off numerous medical disorders. On the other hand, bad oral health can lead to heart attacks, stroke, preterm labor, and poorly controlled diabetes. Brushing and flossing on a regular basis is important to maintain good oral health over time. Here is why oral health is so important.
John Powers, www.johnpowersdmd.com, one of the top dentist from Greenbelt, MD emphasizes educating his patients on how to properly take care of your teeth post-treatment. “It’s important to prioritize oral health if you want to keep that smile” Dr. Powers has been in the industry for over a decade and specializes in general and cosmetic dental procedures.
Medical experts claim that your mouth is a window into what is going on in the rest of your body. In fact, it helps to detect various signs and symptoms of other diseases. For example, AIDs and diabetes first become evident as oral problems or mouth lesions. Your healthcare provider will test your saliva to detect various conditions such as the cortisol levels in saliva determining the stress responses in newborn kids. On the other hand, bone loss in women could be detected through the fragments of bone-specific proteins in their saliva. Certain cancer markers are also detected in the saliva. Saliva testing can also help detect illegal drugs, toxins, antibodies, and hormones. HIV infection and hepatitis could be easily detected through such tests. Saliva testing is as important as blood testing in detecting various diseases.
Saliva helps protect against outside invaders such as bacteria and virus. But they can’t do a good job when your oral health is poor. There are more than 500 species of bacteria that survive in your mouth. These species will cause dental plaque that results in various health problems over time. When this happens, the saliva can’t do its job of protecting your mouth. That is why good oral health is important at all times. Good oral health should start in your home. Regular brushing and flossing are important aspects of good oral health. Periodical dental visits are also important in this regard. Your dentist is the best person to detect oral issues at their early stages and nip them in the bud. That way you can be free of acute oral health problems over time. Make sure that you visit a qualified and experienced dental professional in the area.
Oral health has a direct effect on your overall health and well-being. The aforementioned article provides information on why oral health is so important.