Aspen Dental - Near You in Santa Cruz, CA

Dental Insurance, What Should You Know

Dental insurance is not meant to be a pay-all. It's only meant to be an aid. You are very fortunate if you have dental insurance coverage and don't have to pay the entire dental fee plan out of your own pocket. Many patients don't have any dental insurance at all. Some patients have excellent dental insurance policies or dental credit, some have fair policies, and some have poor policies. Many plans tell you you'll be covered up to 80% - 100%. In spite of what you're told, most plans cover only 15% - 70% of the average dental fee plan. We realize that every bit of help you get from your insurance company is a big help, and we are glad you have coverage. However, it must be understood that how much your policy covers has already been determined by how much your employer paid for your insurance policy. The less he/she paid for the insurance, the less you'll receive.

FOR EXAMPLE: PLAN Costs a lot of money Costs 1/2 the amount Deductible is $50.00 Deductible is $100.00 Pays $84.00 on a filling Pays $35.00 on a filling Yearly maximum is $1,000 Yearly maximum is $800 It has been the experience of many dentists that some insurance companies tell their customers that "fees are above the usual and customary" rather than saying "our benefits are low."

Your insurance company sets the "allowables" or "a usual and customary dental fee plan" depending on how much your employer paid for your policy. It's just like your car insurance. The lower the benefits you choose, the less it costs you in premiums. Many necessary routine dentistry services are not covered by dental insurance at all. Again, what is covered and what is not is determined by what benefits and dental payment plan your employer purchased for you.

We do not believe it is in your best interest for your treatment to be compromised in order to accommodate an insurance policy's restrictions that may provide you with a quality of care that is considerably less than you deserve.

We strongly feel that you, not your insurance company, should choose the treatment you feel is best for you.

+Jim Du Molin is a leading Internet search expert helping individuals and families connect with the right dentist in their area. Visit his author page.

Learn About Seniors Dental Care

Q. Why do teeth seem to darken as people age?

A. Teeth may seem darker because plaque can build up faster and in larger amounts as one ages. Changes in dentin can cause teeth to appear a little darker as well.

Q. Why do some seniors lose their sense of taste?

A. Seniors tend to lose their sense of taste because age decreases the sense of taste and smell. Certain diseases, medications, and dentures also can contribute to a decreased sense of taste.

Q. Should seniors be worried about cavities?

A. Yes. The majority of seniors havetooth-root decay and are more susceptible to cavities.

Q. What is root decay?

A. Over time, tooth enamel can wear away in the crowns of teeth and around the tooth roots. Receding gums expose the roots, making them more prone to decay.

Q. What makes seniors more cavity-prone?

A. Seniors are more prone to root decay and gum recession. Additionally, many seniors have "dry mouth" (caused from medications or medical conditions), which increases the risk of cavities. Some also may have difficulty maintaining good oral hygiene due to physical limitations.

+Jim Du Molin is a leading Internet search expert helping individuals and families connect with the right dentist in their area. Visit his author page.