Individual Dental Coverage - 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.

Avoiding Big Dental Costs

Whoever warned against being "penny wise and pound foolish" must have been thinking of times like these. When the economy is just limping along (and dollars are tight at home) it's natural to look for ways to cut down on unnecessary expenses. Too often, cutting back on today's unnecessary expense leads to far greater costs just a ways down the road. And that's especially true of dental care.

Of course, your dental practitioner recognizes that every household economy goes through its own ups and downs. But they also believe that maintaining a high level of health is the cheapest form of insurance. So they'll work with you to get the dental care you need, and information on dental financing - when you need it.

When you wait too long, a lot can happen.

• Gum problems don't hurt at first, so you may not even know you have disease lurking. And periodontitis can flare up despite conscientious home hygiene.
• Old fillings can leak at the margins where filling and tooth meet, inviting decay under a filling. If you let it go, it's crown time.
• A fractured tooth is often invisible and may require a root canal to save it. Waiting for it to heal usually results in dental bridges.
• If you're missing a tooth, your neighboring teeth will grow disrupted and loose.
• Topical fluorides and sealants are a good idea for children - even adults.
• Early orthodontics can save you a bundle later on.

Another wise philosopher pointed out, "There's a time in the life of every problem when it's large enough to see…and small enough to solve." It might be a good idea to look into dental financing. By catching dental problems before they grow, you'll be spared both money and discomfort in the long run.

+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.