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.
3 Most Common Oral Health Problems At A Glance
Nearly everyone suffers from an oral health problem at one point in their lives. Many people are lucky to go without any serious oral health issues during their lifetimes, but some people do suffer from chronic oral health problems that can be embarrassing, painful, and not to mention bad for their overall health and well-being. The good news is, however, that most problems can be prevented or cured easily. Maintain oral health by brushing and flossing teeth regularly as well as eating a balanced diet and also paying a visit to your dentist regularly can help to keep most oral health problems at bay.
To give you a glimpse into the world of oral health issues and complications, here are three of the most common oral health problems facing people from all walks of life:
1. Bad Breath
Let’s face it, we’ve all had our ‘bad breath days’ and they are nothing short of embarrassing. Recent dental studies have revealed that more 85% of cases of chronic bad breath are caused by an underlying oral health problem. Bacteria, mouth dryness (dehydration), gum disease, cavities, and oral cancer all have bad breath as one of their main symptoms. Most people turn towards special toothpaste and mouthwash to try and get rid of the bad breath but this only masks the problems temporarily. To treat the underlying cause, you need to visit your dentist, especially if your case of bad breath is persistent.
2. Tooth Decay
Tooth decay is the second most common oral health problem out there today. Tooth decay is also referred to as cavities and the problem occurs when plaque (a sticky layer of dead food that forms on the teeth), combines with the carbohydrates and sugars we consume. The resulting combination produces acids that eat into the structure of the tooth starting with the enamel. You can avoid tooth decay by brushing and flossing after every meal. You should also avoid consuming too many sugary snacks and drinks.
3. Gum Disease
Gum disease or periodontal disease is the third most common oral health problem that affects people. Gum disease is different from the other oral health issues mentioned in this article as it carries the most severe consequences. Some cases of gum disease have been reported to cause heart attacks and strokes. Gum disease is an infection that affects the gums and mouth. It’s the main cause of tooth loss among adults. You can prevent this dental complication by maintaining high oral health standards.