Dental Plans – Make Dental Work Affordable or Supplement Your Dental Insurance

Does Your Dental Plan Cover Everything?

Many Americans do have dental coverage from work, though millions of Americans have no coverage at all. Even if you are covered with basic dental insurance, you may still have to pay out of pocket costs for many procedures. Typical dental plans come with deductibles, yearly maximum payments, and limitations on the work they will cover. While most dental insurance will help out with yearly checkups, cleanings, and x-rays, you may find yourself with a steep bill if you have to have orthodontic work done, need crowns, or perhaps, dentures. Also, if you choose to have cosmetic dentistry performed, you will probably have to pay the whole bill!What if you don’t have a dental plan at all?

If you are not even covered by any sort of dental plan, you may have trouble finding area dentists that want to see you. When you try to make an appointment, the first question you will probably be asked is what sort of dental plan you have. When you tell them you do not have any dental plan, many dental offices will want to know how you are going to pay for the work they do.

Discount Dental Plans

Discount dental plans are networks of dental providers who agree to participate. These dental providers agree to allow network members have substantial discounts from 10% to 60% on dental services. Some networks even provide for greatly reduced, or even free, checkups. Joining dental plans is a very affordable way to save money on dental treatment, and will encourage members to have routine dental work done. They will also make some optional dental work much more affordable!

Many dental networks are sponsored by large, national companies and have tens of thousands of participating dental providers. Almost everybody is sure to be able to find local dentists who are on the plan. To be sure, these plans have zip code searches, both by plan name and dental providers, that prospective customers can access before they join. Better yet, many dental plans cost less than ten dollars a month!If you have dental insurance that still leaves you with large bills to pay, or if you do not have any sort of dental plan, a dental discount network can pay for itself with one office visit. Simply do a zip code search. Find dental plans in your neighborhood and see if the benefits will help you. Then check to find local dentists on the plan. You can apply online, and make an appointment with a dentist that day. It’s that simple!

Could Your Dental Work Be Making You Sick?

Have you ever suffered from vague discomfort and aches but just couldn’t quite pinpoint what the problem was? Or, perhaps have you been the victim of migraines, headaches, high blood pressure, allergies and digestive problems? And, the root problem seemed to be evasive. Well, take a look at what’s is going on inside of your mouth. And, by that I mean the treatments that you are receiving in your dentist’s office.

Many people spend untold thousands of dollars on doctor visits, blood work and other testing in order to get to the root of such problems. But, some are finding that their dental work could be at work against them. It could just be that your dental fillings are working against our health. Let’s take a closer look.Your Fillings and your Health

Mercury is a potent neurotoxin and is the second most toxic metal on earth. It vaporizes easily at room temperatures and is readily absorbed into the blood stream. It is really horrific to think that this metal is in a deadly amalgam in our mouths. It also makes me wonder about the increases in certain neurological diseases, such as ADD.

Mercury, further renders the immune system helpless against the many bacteria, viruses and other toxins that it has an almost daily battle against. Now, just think about the bugs out there as we approach winter time. But, obviously the problem is more complex than that.

Also, take into consideration the nutritional status of most folk, along with the fact that many middle-aged Americans are on drugs that also render the immune system helpless, such as steroids and anti-rejection medications, it is no wonder that we are plagued by numerous chronic diseases.

Mercury plagues the environment

Mercury is just as deadly in the environment. Just think, the mercury in the body is discharged into the environment through our household toilets, manufacturing plants, the dental office’s waste lines, respiration, cremations, burials and fertilizers.Now, once this toxic chemical is released into the environment, it bioaccumulates in fish, hence the danger to all, especially those with a developing brain such as the fetus and young children.

The remedy

Remedying this situation is not easy as removal of this toxin poses health risks still to the individual and the environment. Many grass roots organizations are forming to address this problem. They are also banding together via petitions to force local government to address this issue.An internet search will probably lead you in the direction of removing potentially harmful fillings.

Get Dental Work Discounts After Your Insurance is Exhausted

If you have dental insurance you probably have to pay a portion of your dental work. The portion that you have to pay can sometimes be significant. This is especially true if you have a lot of work that needs to be done, such as crowns or root canals, etc. Your dental insurance probably covers 50-80% of your dental costs, but often there are limits on the amount that is covered each year (normally $1,000 or $1,200). When the maximum dental insurance benefit is exceeded for the year many people start to run into problems paying for dental work. That’s the bad news…The good news is that there is a way that you can get help paying for the excess dental costs. Here is what you can do…You can get a dental discount plan and use it with your dental insurance. You just have to make sure that your dentist accepts both your dental insurance and the dental discount plan (a large number of dentists accept the discount plans).Purchasing a dental discount plan can help you in two significant ways:

1. Help you pay your co-pay/co-insurance (the percentage that insurance does not cover normally 20-50%). Just submit your dental discount card with your dental insurance card when you visit your dentist. The receptionist will be able to assist you in coordinating your insurance and discount plan to maximize your savings.

2. Give you discounts when you reach your yearly insurance limit. If and/or when you go over your annual maximum limit on your dental insurance plan, use your dental discount card to get discounts on the work you still need. You can save up to 50% on dental work with the dental discount plan after you exhaust your dental insurance coverage for the year.

Considering how much you can save using the discount dental plans, they are definitely worth buying, especially if you have a good amount of dental work that needs to be done. If you have great teeth and only go for cleanings, however, the insurance alone may be significant for you. Here are some of the main advantages to purchasing a plan:

Dental discount plans are:

Affordable. The average plan will cost an individual around $8.00-$10.00 per month (most plans do require that you pay for the year in advance). The plan can pay for itself almost immediately. For example if you have a crown that regularly costs $1,200 your plan may discount on average of $600. In this case the plan paid for itself 6 fold.No limits. You can use the plan as much as you want during the year with no limits. If you have thousands of dollars of work that needs to be done, this can potentially save you thousands.

No pre-existing condition limitations. You won’t get denied a discount card just because you have a condition, in fact this is the best time to get a discount plan.

3 day waiting period (sometimes no waiting period). You can make an appointment right away. This is especially helpful if you have a tooth that is hurting!

The plans are offered by large insurance companies and there are many to choose from. Some of the plans come with vision discounts and chiropractor discounts.