Net Neutrality Threatened by Trump Administration

Tom Wheeler, the former chair of the FCC, used his final speech before stepping down to warn businesses and consumers that their choice of cloud services and business applications could be severely limited if the incoming administration strikes down the 2015 open internet order that he and his group put in place. This order positioned the FCC’s net neutrality regulation that prevents Internet Service Providers from slowing or blocking traffic on their networks. This gives all traffic equal opportunity and speed and prevents network favoritism.

Wheeler also showed concern for the Internet of Things, an area of economic growth that is quickly becoming top of mind to many businesses and policy makers in Washington.

“[T]he growth of the internet of things is another area that depends on the open connectivity of those things,” Wheeler said. “If ISPs can decide arbitrarily which IoT device can be connected, or favor their own IoT activity over their competitors, the bright future of IoT dims.” Wheeler continued, “As everything goes into the cloud, the ability to access the cloud free of gatekeepers is essential. If ISPs get to choose which applications and clouds work better than others in terms of access, speed and latency, they will control the cloud future,”.

Wheeler’s position may not be a surprise now but given his past as a lobbyist for the cable and wireless sector his support of net neutrality may come as a shock.

Bill Wilson, a consultant for Broadband Landing, said, “Wheeler may be underplaying the seriousness of the situation. Net Neutrality is the biggest deal that no one really understands. If consumers and small businesses actually realized what the internet would look like after it was bought and sold by large corporations that was be worried. This would be all that was being talked about.”

Wheeler has the same question many businesses do, namely will Trump dismantle a policy that is clearly working? With republicans openly opposed to net neutrality things do seem dire for the policy.

Wheeler’s speech not only acts as a warning to the incoming administration but also clearly attempts to widen the scope of the net neutrality debate as a whole. Consumer impact of the open internet order is almost always the lead in any discussion of net neutrality but here Wheeler’s focus was on the danger to businesses and their increasing use of cloud computing. Interruption or the slowing of these services is a bit more destructive than a video playing slow. Businesses might be required to completely change back office management systems. A company like Salesforce.com could have their customer base divided between users that have an ISP that allows their traffic and ISP’s that won’t. Situations of this type could be repeated across many business services. If AT&T buys a firm that provides CMS to sales and marketing groups, it is not unthinkable that they would show preference to this firm over others.

Wheeler specifically calls out Verizon and AT&T for the “zero rating” programs that give some companies free access by not charging customers for the data they use. While this isn’t the feared “Fast Lane” net neutrality has been trying to avoid, it may actually be worse.

Wheeler finished his speech with, “It now falls to a new set of regulators, to a new FCC and to those who advocate before it and the Congress to determine the road that they want to take from here,” Wheeler said. “We are at a fork in that road. One path leads forward and the other leads back to relitigating solutions that are demonstrably working.”

While the fork in the road analogy fits, it’s actually a bit more drastic than Wheeler makes it seem. One road leads forward and the other leads back a decade and then off a cliff into a hole filled with alligators.

What is a Dental DMO (DHMO) Insurance Plan vs. a PPO?

What is a DMO plan?

I found out the hard way the difference between a dental insurance DMO® plan and the PPO plan I had last year. My first clue that a DMO® did not have the best coverage is when I did a search on Google and it suggested “Did you mean: Dental HMO?”

Aenta insurance owns the term “DMO®” and currently offers this plan. DMO® stands for Dental Maintenance Organization. This plan will cover basic coverage like cleanings and x-rays along with regular services like fillings, crowns, root canals, etc. Some services are not covered so review your insurance options.

The Dental DMO is known as a DHMO at most insurance companies.
DMO vs. PPO Dental Coverage

In a DMO® plan, you are forced to select a dentist from a specific list from your insurance company and indicate a primary dentist. With a PPO you can visit almost any licensed dentist.

A DMO® plan is like a discount plan. The insurance company contracts with a dentist and the rate you pay a dentist is indicated by a % of coverage. For example, your coverage may state you pay 50% of the service fees for dental work. With a PPO, you may also see coverage which indicates you pay 50% of the fees. The difference is that with the DMO® plan you pay 50% of the Dentist’s listed fees vs. with the PPO you pay 50% of the insurance company’s contracted fees. The Dentist’s fees will almost always be higher. You pay a % of a higher price.

DMO ®plan monthly fees may be lower than PPO monthly fees, making the plan to seem like it has the same (or better) benefits and less cost per month if you don’t read the details.

DMO® will not have a deductible.

Referrals required.

If a service is not covered under the DMO® plan, there is no contracted discount on that service. Dentists who associate themselves with a particular PPO can offer discounted rates on services that are not covered under insurance.

Co-pay may be required depending on you plan. Aetna’s PPO does not require a co-pay.

Do Your Research

Dental Cost Calculator
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Dentist and Dental Hygienist Rating & Reviews
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Which Dental Insurance Plan is Best for You? Dentistry.com
Most insurance companies offer one of several dental benefit plans. How do you choose between a PPO, DHMO and indemnity plan? Find out which type of dental plan is best for you.

Choosing A Dental Plan

Next year when I renew my dental insurance I will pay the extra money for the PPO plan. I wish I had done my research and didn’t on the information provided by my employer to make my choice in dental care and insurance.

Are you having trouble deciding which insurance plan is right for your and your family? Call your dentist and ask their opinion and to quote a few comparable rates based on the plan type you seek. Your dentist (we hope) wants to give you the best care and most information and keep you as a patient.

Do your research on your dentist as well as your insurance company. Find out your Dentist’s reputation and billing rates with the links to the right. They will help you choose the right plan for your family.

Is Dental Insurance A Scam?

Is Dental Insurance A Scam, A Fraud?
Dental Insurance

Do you need dental insurance? Is Dental Insurance a scam, a fraud? I work with dental insurance every day, reading policies, explaining benefits, fielding complaints from people who can’t understand why their claims were denied, or why insurance doesn’t cover 100% of their bills. Some people get really mad, and call me an idiot because I won’t tell them what they want to hear. Often, they tell me they think dental insurance is a scam, and I advise them how to cancel their policies. Sometimes they find real examples of fraud and I also advise them of what to do about that.

A frequent complaint is: “Why am I spending $xx.xx every month if I won’t get paid back?” Exactly. Why ARE you spending that money? And, why is the insurance company selling you a policy in the first place?

Dental insurance typically covers only $500 to $2000 of your dental costs in any one year, depending on which exact policy you purchased. Any bills over your yearly maximum will never be covered by insurance. And, depending on the type of insurance you bought, some or all of your actual bills may not be covered either.

So, the question, why buy dental insurance. Insurance companies are trying to make money. Everyone would like to get something for nothing, to get paid back more than they pay out. Insurance companies are in the business of making sure that happens to their customers as seldom as possible, and to themselves as often as possible! Insurance companies are in it to make money, and the only way they can do that is if you the consumer pay more in premiums than the company pays back in benefits.

So, for the average person, you will spend more on your policy than you will receive in benefits. Insurance companies couldn’t sell the policies if this were not true. They would go bankrupt, the same as any other company that sells at a loss.

Dental policies became popular because companies offer them as part of their benefits packages. Your employer is paying part of the premium, so the plan looks cheaper than it really is. But even with your employer paying part of the premium, many people end up paying more than they ever will get back in benefits. How can you change this equation so you get more than you pay, without fraud or cheating?

Why do you buy insurance? The purpose of insurance is to cover you if some disaster occurs, and you can not afford to pay the immediate bills. If you expect dental insurance to always cover all of your costs, you are bound to be disappointed.

If you do intend to get some of your money back, most dental insurance allows for routine checkups and cleanings twice a year. Check your policy to verify this. If so, you can get a couple hundred dollars worth of services and pay very little, or nothing.

Policies vary widely on the benefits they pay. Some pay only for a small, select group of services, others cover almost any dental procedure you can imagine. READ YOUR POLICY! If it isn’t what you thought it would be when you signed up, cancel it quick. You may get a refund of you first premium if you cancel soon enough.

There are lots of details, of course, such as In Network or Out Of Network dentists. In Net means the dentist is under contract not to charge over a certain fee for each service. In Net is usually cheaper. So get your routine work done In Net, and normally you will pay very little or nothing for it. You may also get reduced prices on major work.

Out Of Network dentists’ charges are not controlled by the insurance company or the network. The dentist can charge any price he pleases. Some Out Of Network dentists may actually charge less than the network price, and be cheaper for you than In Network. You have to do your homework before going to the dentist. Find out if he is In Net or Out Of Net, and ask him directly how much it will cost before you go. They don’t like to tell you, but you are the customer. Be polite, but insist. Would you get a haircut if the prices were not marked?

(Unfortunately, dentists have good reasons for not wanting to quote prices. The best reason is, he doesn’t know what he will find until he actually has you say “Ah”. It may be routine, or he may need to spend a lot of time and do work he hadn’t planned. So don’t expect too much, but at least get his fee for the basic exam. If he gives you a treatment plan, then you can ask for specific charges and use those to compare with other dentists.)

There are so many different kinds of plans, and some only offer a discount, not a monetary benefit. Others only pay a small, flat rate. Make sure you double check both your policy, and with your dentist before having service done. Call the customer service number on your card, too. They can usually give you the information you need. Call your network. They can tell you if the dentist is In Network or Out, and may even be able to tell you the prices they guarantee.

For expensive, non-emergency services, have your dentist request a pre-estimate (also called pre-determination or pre-authorization) from the insurance company, so you will know in advance what will be covered, and how much you will have to pay yourself. Don’t be taken by surprise!

Now the hardest question. Do you really need dental insurance? Look at the policy. How much will it pay out in a worst-case scenario? Suppose you are in an accident and have severe tooth damage, or you suddenly need root canals and crowns. You still will not receive more than the yearly maximum, which for most plans is from $500 to $2000, depending on your plan. Many plans max out at $1000.

How much are you paying each month? $30? $50? Treat insurance as an investment. Is a total return of $1000 every few years worth what you pay? If you pay $50 a month, times twelve months, that is $600 every year. If you pay $30 a month, it’s $360 per year.

Ask yourself if it is worth it for you to pay that much compared to your total return. Consider how many people are on your plan, and how much work they are likely to need each year.

If you have several children, a spouse and yourself, it may very well be a good deal. Do your kids need orthodontic work (braces)? Does your plan even cover orthodontics? Most don’t, unless you pay extra premiums, and the benefits for orthodontics usually are not high enough to cover all of the costs. A typical plan might cover only $1000 per child. If you know your kids will need braces, that might be worth the extra premiums. Do the math, before you buy the policy!

Whether to buy insurance or not is a very personal decision, and depends on so many factors that I cannot give strong advise here. But many policies pay out so little, that they are not worth the premium cost and the hassles involved. And there can be lots of hassles.

If you are able to save enough money to cover an emergency without borrowing, it might be wiser to do so rather than buy insurance. But if you know you or your dependents will be needing extensive care, it might be worth your money.

As with any medical insurance, watch out for pre-existing conditions, such as a missing tooth, they usually are not covered. And, many policies have waiting periods before they offer major services such as crowns or root canals. You may pay premiums for many months before receiving more than basic care, exams and cleanings.

Dental insurance isn’t a scam. For some people it works very well, and provides peace of mind. It works best for people with large families, or who know in advance they will be needing expensive dental care. But remember, if you don’t take advantage of the free or low cost cleanings and check-ups, you will probably spend more money on it than you will ever get back.

Use your calculator before you buy! Buyer beware. The insurance companies are counting on you to pay more than you get back. What dollar value do you put on peace of mind?

If you have questions, put them in the comment box below and I will try to answer. If I don’t know the answer, I’ll tell you that directly.

What Can the Poor Do about Dental Care?

Since I’ve been writing articles about dental care, I’ve wondered what people do when they need dental care yet have no money, dental insurance or credit cards. If you’re in such an impoverished state, and you have a tooth that is throbbing with pain, what are your options?

My Own Story

Recently I had my own dental horror tale. A lower left bicuspid (already crowned) started aching, particularly when I pressed down on it, which invariably means a root canal is needed. I had to wait another day before calling the dentist because the following day was Thanksgiving. The day after the holiday, I called my dentist, told him my problem and he called in a prescription for some antibiotics and pain pills. Good for me, because as soon as I started taking the pills my tooth became a thrashing, serpent-like creature that wouldn’t die for 24 hours!

I later discovered that the necrosis in the root of my tooth had descended into the bone, causing a big abscess, which eventually took months to heal. The total cost to save the tooth was $2,000, including $500 to repair the crown (the dentist had to drill down through it to get to the root of the tooth). Let me tell you, The cost of the dental care hurt more than the toothache!

As bad as my situation was, at least I could afford the drugs ($35) and the visit to the dentist for which I had to pay $200 to ascertain the nature of my trouble. You’d think I could have told the dentist I needed a root canal and saved the $200, but that’s not how modern dentistry works!

Of course, many people – millions of them – couldn’t even pay for the drugs I bought, and I couldn’t help but sympathize and empathize with these poor folks. What would I do in a similar situation? Would I try to reduce the pain with OTC drugs and wait until Medicaid (known as Medi-Cal in California) did something about it? They certainly wouldn’t have performed a root canal, because nowadays there’s little or no money for dental restoration in Medicaid. Therefore, when I eventually saw a Medi-Cal dentist, I would have needed to get the tooth pulled ASAP.

In the following paragraphs I’ll explore the various issues confronting the poor as they attempt to obtain at least emergency dental care.

A Tragic Tale

For an example of what can happen to someone who needs emergency dental care and either can’t get it or gets it too late, an article appeared in the Baltimore Examiner on March 13, 2007:

Deamonte Driver was just 12 years old when bacteria from an abscessed molar spread to his brain. By the time his mother realized he needed attention, it was too late. Not even two brain surgeries and six weeks of hospitalization – at a cost of $250,000 – were able to save him.

Maryland’s Medicaid program failed Deamonte Driver. In many states Medicaid pays so little than even routine dental care is not provided, and a little bit of that may have saved this young man’s life.

The Internet is full of such horror stories.

Oral Cancer

Oral cancer strikes an estimated 35,000 people per year, and perhaps 25 per cent of those people die from the disease. The use of alcohol and tobacco has been linked to the incidence of oral cancer, but 25 per cent of the people who get the disease don’t use alcohol or tobacco.

If treated early, this form of cancer can be easily cured by excision of the cancerous sore. Regular checkups would spot the disease but, of course, poor people often can’t afford dental checkups, regular or otherwise.

African-Americans seem particularly prone to this disease, having an incidence of one-third higher than Caucasians. Blacks are also twice as likely to die from the disease.

Can People Pull Their Own Teeth?

I hope you don’t end up like the man who pulled 13 of his own teeth because he couldn’t afford a dentist or get the job done for free via government services. This Englishman had to use a pair of pliers to do this grisly work. Now the man needs dentures; unfortunately, he can’t make those himself!

I don’t recommend that anybody pull their own teeth. If the procedure is not done properly, infection could set in, causing the person even more misery. In the United States at least, it appears the poor have access to dental services that will extract teeth for free or for a small fee. (Actually dentists don’t “pull” teeth, they simply rock them from side to side until the tooth breaks loose from the bone and then slips right out.)

County Services for the Medically Indigent

County services can provide dental care, but the services they provide are different in each county of the United States. In Sacramento County, for instance, the County Medically Indigent Services Program (CMISP) has a dental clinic that pays for front teeth fillings, extractions and medications. Naturally, as the budget axe continues to fall, these services could disappear in the coming months or years.

Health Resources and Services Administration (HRSA)

Run by the Department of Health and Human Services, this federal agency may help you find a federally funded dental clinic, which could provide cleaning, checkups and even emergency care. This organization may ask people to pay what they can, but many services are free to indigent folks.

Dental Clinics

In many areas, dental clinics are available for low-income people, but in many cases they will charge you some money, say $10 for an X-ray, which is somewhat cheaper than you would normally pay. These clinics will also take insurance such as Medicaid (Medi-Cal) or Delta Dental. Also, if you are a Native American, some clinics provide care to people with at least some native blood in them.

Free Dental Health Clinics

From time to time, a free health clinic may visit your area. In April 2012, the Tennessee-based Remote Area Medical Volunteer Corps came to Cal Expo in Sacramento, California. Another free dental clinic took place at Cal Expo in late August 2012. The free dental care offered included cleanings, fillings and extractions. These organizations seem to come around about once a year, so for those interested, be prepared to line up very early in the morning!

The California Dental Association (CDA) held another free dental clinic at Cal Expo in March 2015. An estimated 2,000 patients received free dental care, provided by 1,700 volunteers.

The CDA provided more free dental care to the indigent the weekend of 10/28/16 thru 10/30/16. CDA also provided free dental care in Stockton, California the weekend of 10/15/16 and 10/16/16.

Dental Colleges or Universities

Dental colleges or universities frequently offer some services to the poor, but only cleanings, checkups and X-rays may be offered. For restorative work such as root canals and crowns, you’ve have to check with the dental colleges in large universities. By all means, look into this possibility, as it could save you thousands of dollars.

Denti-Cal

If you live in California and qualify for Medi-Cal, you have good news. California’s budget for 2014 includes millions of dollars for dental care for the poor, essentially replacing money that was axed from the budget back in 2009. So, when this money becomes available, stand in line and get everything done ASAP!

Obamacare Dental Plans

Low income folks may be able to get dental insurance as part of their health insurance per the dictates of the Affordable Healthcare Act. As with regular Obamacare, subsidies or tax credits may be available to help you pay for dental care. But dental insurance doesn’t pay for dental care over a certain limit, generally around $1,500 per year, which provides little for expensive restoration work such as root canals, crowns or bridges.

Please note that for some reason that $1,500 annual limit hasn’t changed for decades, even though dental costs have increased every year. What’s up with that? Anyway, if you have a mouthful of problems, Obama dental care won’t pay for much. Sorry! Nevertheless, if you can get checkups, cleanings or filings at low cost, this coverage could save you hundreds of dollars!

Please click here for more information regarding Obamacare dental plans.

Conclusion

The solution to the problem of providing quality dental care to the poor is to make more funds available for such purposes, so vote for candidates who might make this happen. Perhaps practicing dentists could also be persuaded to provide some of their services for free to the poor. In some areas, dentists do this from time to time, so keep your eyes peeled for such a windfall and be the first in line.

My best advice for people who live on a low fixed income and have little chance of inheriting a large amount of money, you may consider getting all your teeth extracted and replacing them with dentures. You’ll save yourself much pain and trouble in the coming years and look much better as well.

As for people who would like to keep their teeth as long as they can, good dental hygiene is a recipe for success, and for more information about that process as well as more about dentistry in general, please click on the links below:

Good, Cheap Dental Insurance Programs

If you are smart, you will stay on top of your dental health by seeking consistent dental care. To pay for it, you need to know about the various programs out there.

Most insurance plans are purchased in order to protect consumers from unexpected accidents or illnesses. Dental insurance, however, is different from other forms of insurance. Although dental insurance can protect you if you have an injury or illness regarding your teeth, mostly it is used for preventative purposes. In fact, most dental problems are caused because preventative care is not done. Companies who sell dental insurance know that if their customers receive regular dental care, then they are likely not to need extensive care later on. This saves the dental insurance company money as well.

Because the insurance companies want patients to get preventative care, most dental programs are built to encourage this. Insurance plans vary on how they pay for dental care. Some plans offer their customers a discount on all dental procedures. Some plans will completely cover some procedures, and offer a discount on the others. Preventative care is usually covered or deeply discounted so that it is affordable for all customers to get regular checkups and cleanings.

The care that dental plans offer is divided into three categories. The first is preventative and diagnostic care. These services are usually completely paid for by the insurance or available for a small out of pocket cost to patients. The best dental plans will offer 100% covered preventative dental care. This should include two dental examinations a year. It should also include two dental cleanings a year. X-rays should be done once a year with a more complete series done every three years. If children are covered by the plan, they should be able to receive fluoride treatments and sealants.

The second category of care is typically called basic dental services. This type of care is done to fix minor dental problems before they escalate into larger problems. Ideally, a dental plan should cover around 80% of this type of care. This includes fillings, root canals, treatment for gum disease and tooth extractions. The final category of care is classified as major dental services. Most dental plans will cover about 50% of the cost of this care. Major dental work includes both partial and complete dentures, bridges, and crowns.

There are a few other things that you should look for when selecting a dental plan. Some dental plans will have you pay a percentage of what the dentist actually charges for the procedure. In other cases, the dental plan will determine a set price for each procedure. Which one is better for you depends on the price of dental care in your area. You also need to find out how high the deductible is on your dental plan. Check to see if there is a cap on the insurance benefits and whether it is annual or lifetime. Also, be sure you know the rules regarding pre-existing conditions. There is no one dental plan that will fit the needs of everyone. The best dental plan is one that provides the coverage you need in the most affordable manner.

Dental Insurance & Why It’s Important For Your Family

It may often go overlooked, but dental insurance is something that every individual needs to think about. In the event of a sudden toothache, the need for a regular checkup or cleaning and even possibly oral surgery, dental insurance is a must. Coverage is available from a variety of sources, including some employers and national insurance providers.

Dental insurance is more affordable than medical insurance and can often result in low monthly payments for those who have to seek out the coverage themselves. The amount of insurance that is selected will determine what type of deductible, if any, the patient is responsible for.

It may be surprising, but many people develop problems with their wisdom teeth. In the event that they do not develop as they should, they may become impacted underneath the gums and need to be surgically extracted. This procedure is very expensive and requires a certain amount of followup care, which can really add up without dental insurance. There are a number of other reasons that someone would unknowingly need dental care, including an accident that requires

Unlike life or health insurance, the cost of dental insurance isn’t particularly affected by age. While it’s true that a patient’s past oral health may be in question, it is much easier to get than other types. Prior to being accepted by a dental insurance provider, the patient may be required to undergo an oral checkup and x-rays in order to determine any previous or current conditions that may require treatment. In most instances, a new dental insurance policy will not cover previously known conditions. In other words, you could not find out that you have an impacted wisdom tooth and then sign up on a new dental plan to get the coverage for a procedure. The patient is required to disclose any previously known condition(s).

Dental insurance can be purchased as an individual plan or for the entire family. In order to make sure that a particular dentist accepts a specific dental insurance, the patient should inquire about the office policy prior making an appointment or arriving for treatment. The worst time to learn that a dentist doesn’t accept your dental insurance is after receiving treatment and immediately prior to getting the bill. In order to avoid the headache, make sure that the dentist will accept your provider’s coverage ahead of time. In some instances, insurance plans are only accepted at specific locations.

Family Dental Plan Insurance – High Risk Dental Insurance

High risk dental insurance is a type of dental insurance that are afforded dental insurance clients who are considered financially unsound due to problems that had been experienced from them in the past with different insurance companies. The title of this kind of insurance would denote the kind of dental insurance clients it would cater to – high risk clients. To compensate for the risk that these dental insurance companies are taking by accepting clients that are considered high risk, these companies will be charging a much higher dental insurance cost.

As in all other types of business, dental insurance companies has their own background identification checking and information sharing of client relationship to identify insured clients who had been remiss in their payment obligations and other negative information that would classify them as high risk. Dental Insurance applicants who would be included in these lists will automatically be rejected by dental insurance companies because of their unsound financial relationship with other insurance companies. The growing number of dental insurance applicants considered as high risk has lead to the creation of a dental insurance company that caters to high risk dental insurance applicants.

Sometimes when it comes to problematic dental insured clients, the usual problems that would create issues in their payments would be the limitations that some of the insurance companies has in the coverage that they provide their clients. These limitations, which if not fully explained to the clients, will cause irritations and disagreement between the dental insurance company and the insured clients causing the clients to renege on their payments either to the insurance company or to the dental provider that may have provided the service. Still, there are clients that are just too hard up to pay up due to some financial problems that would result to their names being considered as high risk.

Being considered a high risk dental insurance applicant will of course subject your insurance application to outright rejection by most dental insurance companies. In these regard, you can end up applying for insurance from dental insurance companies accepting high risk dental insurance applicants. In recognition of the plight of low salaried workers and employees when it comes to their dental insurances and benefits, every state in the country has its own state law in terms of assisting hard up dental insurance applicants out rightly rejected by dental insurance companies as being high risk. You can consider applying for those high risk dental insurance policies sponsored by individual state to help their citizen avail of a dental insurance coverage that are government sponsored.

It would be considered as a relief if you can get a dental health insurance even on a high risk insurance policy especially if it is government sponsored. It is much better than to have no dental insurance at all. If your dental insurance application was rejected because you are considered as a high risk applicant, you can try searching the internet for dental insurance companies that are accepting high risk dental insurance applicants. You can also access the website of your City and look for high risk dental insurance sponsorship. Before applying for a sponsorship, be sure that you have read the pertinent guidelines and checklist if you qualify for such a state sponsored high risk dental insurance policy holder plan.

Dental Insurance Plans Secrets Revealed

Dental insurance plans are insurance designed to pay the costs associated with dental care. Dental care by dentists, orthodontists and hospitals will have a portion of their charges paid by dental insurance. By doing so, dental insurance protects people from financial hardship caused by unexpected dental expenses.

More than 50% of the people in the United States aren’t covered by any of dental insurance plans according to the American Dental Association (ADA). Almost all of those people that receive dental insurance sign-up for it through their employer as a secondary part of their health insurance. You should consider having a compatible program to fill in the gaps between the two plans depending upon what type of health insurance you have. By doing this, you will receive preventative dental care as well as the advantage of saving money.

That said, dental insurance plans are not highly desirable by a lot of dentists. Basically, this means less pay plus more work (especially more paperwork.) It is important to not over-insure nor under-insure so it is important to assess your situation when purchasing adequate coverage. Furthermore, you should keep in mind that all insurance plans have restrictions such as annual maximum payments and pre-existing conditions.

Common sorts of dental insurance plans are mainly Dental Health Maintenance Organizations (DHMO) or Preferred Provider Organizations (PPO). PPOs and DHMOs are both types of managed care and, therefore, both dental insurance plans have disadvantages and advantages.

All fees are generally not covered because even though dentists provide their services for these plans and have agreed upon amount that they will charge the insurance companies, there are still a few fees left unpaid. There are deductibles to consider and most of these types of dental insurance plans only pay a percentage of the charges, leaving the patient with a co-pay. Additionally, there may be an annual maximum amount that the dental insurance plans will pay.

If your employer is paying the monthly premiums for the dental insurance plan and the dentist you use is part of the PPO, this might be an attractive option.

Based on medical HMOs, DHMOs offer other dental insurance plans. Here, too, the patient is enrolled in a program and can visit any dentist in that program. However, by comparison to a PPO, dentists may not be held to spend as much time with each patient and may end up providing services below cost. In a DHMO, volume matters more than quality, and so dentists are often driven to spend less time with their patients. Due to lack of time, even though a patient will eventually be seen and treated, there is no true relationship between the dentist and the patient. If you want to be seen by a dentist who takes time with his or her patients, this may not be your optimum dental insurance plan.

Non-Insurance Dental Plans… An Alternative to Dental Insurance Plans

In these types of plans, commonly called Reduced-Fee-For-Service or Discount Plans, participating dental providers provide care at a discounted rate to the plan subscribers. These types of plans began in the early 1990s, and they offer benefits such as braces, fillings, exams, and routine cleanings in exchange for a discounted fee to its members. Members typically receive a discount of 30%-35% off retail prices.

Unlike traditional indemnity-based dental insurance, discount dental plans have no annual limits, no health restrictions and no paperwork. In addition, consumers must pay either a monthly or yearly membership fee in exchange for the ability to get these discounts on dental services. To ensure that customers receive the savings they were promised, most plans will provide a price list or fee schedule for these discounted services.

A typical discount plan, for example, would direct you to a dentist that has agreed to charge a discounted rate, say $700 for a crown instead of $800.

Discount dental plans are designed for individuals, families and groups looking to save money on their dental care needs. Dental providers participating in these plans have agreed to accept a discounted fee as payment-in-full for services performed for a plan members. In general, plans are active within five business days and sometimes even on the same business day.

Be careful; if you do not have dental insurance coverage in addition to a discount dental plan, you can be left with a substantial liability for payment to providers. For example, a 25% discount applied to a $2000 dental bill would still leave a person with a $1500 liability. In addition, because payment due at the time of service (i.e. when your dental work is completed), be prepared to pay your dental bill in full before leaving the dental office.

Before Purchasing a Discount Dental Plan

You should know the answers to all of the questions below before you purchase any type of dental coverage, whether you are choosing a non-insurance discount plan or are one of the many traditional indemnity-based dental insurance plans.

*** Ask for a list of participating providers in your area/zip code

*** Contact any providers that you plan to see to confirm they still participate in the plan

*** If you are interested in having a procedure done, ask the provider with the normal fee is

*** Make sure the provider offers the promised reduction in fees

Finally, be advised that state insurance departments do not regulate dental discount plans. That said, the fact that they are not regulated, doesn’t mean that they aren’t legitimate… just be cautious. If you are uncertain whether you are purchasing insurance or not, simply ask if a licensed insurance company is offering the plan and verify this with the insurance company. In California and Arizona, there are now state licensed dental discount plans.

Article Source: http://EzineArticles.com/1202119

Your Expert Guide to Discount and Full Coverage Dental Insurance

Dental insurance plans are a little more complicated than an auto insurance. This is because insurance companies allow you to add (or subtract) dental procedures so that it fits your current situation. For instance, a young man in his 20s would not really need to be insured for dentures unless he is active in a physically taxing sport that involves body contact. He might prefer to be insured for preventive maintenance, diagnostics, root canal, extractions, and treatment for gums.

If this is allowed by the insurance company, and it usually is, then the payments scheme will probably decrease. Thus, a young man will be able to afford the dental insurance plan with his current financial status.

Dental insurance plans are also categorized according to premiums. Premiums in this case refers to the dental procedure. There are minor premiums and major dental premiums. Most, if not all, minor procedures are covered by the basic package by about 70%. This means you should the remaining 30%. Most major procedures fall under the 50% rating, which means there is a monetary responsibility on your part to shoulder the balance. Some insurance companies shoulder the total costs of minor procedures if the policy can allow for it. This is the kind of dental insurance plan you should aim for.

Regarding payment, you have a choice of paying monthly or annually. Some insurance companies even allow quarterly payments. If you compute the monthly charges, the total amount would be more than the amount you would pay if you chose the annual payment scheme. The advantage of the monthly payment scheme is that it is easier to manage.

All insurance companies will put a limit to the number of procedure you can have in a year, as well as in your lifetime. Ask your insurance agent about this. It is referred to as the Annual Benefit Cap and the Lifetime Benefit Cap.

These are just some of the basics of dental insurance plans. As you delve deeper into the details, you will discover that it gets easier to understand.

With discount dental plans now being offered by finance companies as an alternative to dental insurance, more and more people are beginning to see hope. Hope, that is, in being able to afford to get expensive dental treatments at a discounted rate.

If you want to find the best discount dental plan, finding one online will make the process easier for you. You save on time and effort because most of the important information is already posted on the web. Keep in mind though that the features of discount dental plans will differ depending on the company that is offering it. Thus, you will need to compare and contrast the plans against each other to find the one that you feel will work best for you.

There are many advantages of discount dental plans such as the unlimited charges in discount dental plans, and the savings in discount dental plans. The fee you will pay for one year will be more than covered by the savings in discount dental plans. This is because the discount rates ranges from 10 to a whopping 60% off from the regular rates. You can just imagine how much that is at the end of the year.

There are some conditions you must meet to avail of the discount. First, you need to be updated with your payments. Second, you will need to pay in cash. Third, you will have to use the services of qualified dentists in the list of the finance company. You cannot use your own qualified dentist unless he is on the list.

If you compare the conditions and terms against the advantages of discount dental plans, you will not even spare a second thought, especially if you compare it with dental insurance. Dental insurance terms can be very rigid and uncompromising because it has a limit on the number of times you can get maintenance procedures, as well as be required to submit existing dental conditions. This is because existing dental conditions cannot be covered by dental insurance.

Thus, with the availability of discount dental plans so easy with the internet, finding a good one will not pose a problem at all.
If this is allowed by the insurance company, and it usually is, then the payments scheme will probably decrease. Thus, a young man will be able to afford the dental insurance plan with his current financial status.

Dental insurance plans are also categorized according to premiums. Premiums in this case refers to the dental procedure. There are minor premiums and major dental premiums. Most, if not all, minor procedures are covered by the basic package by about 70%. This means you should the remaining 30%. Most major procedures fall under the 50% rating, which means there is a monetary responsibility on your part to shoulder the balance. Some insurance companies shoulder the total costs of minor procedures if the policy can allow for it. This is the kind of dental insurance plan you should aim for.

Regarding payment, you have a choice of paying monthly or annually. Some insurance companies even allow quarterly payments. If you compute the monthly charges, the total amount would be more than the amount you would pay if you chose the annual payment scheme. The advantage of the monthly payment scheme is that it is easier to manage.

All insurance companies will put a limit to the number of procedure you can have in a year, as well as in your lifetime. Ask your insurance agent about this. It is referred to as the Annual Benefit Cap and the Lifetime Benefit Cap.

These are just some of the basics of dental insurance plans. As you delve deeper into the details, you will discover that it gets easier to understand.

With discount dental plans now being offered by finance companies as an alternative to dental insurance, more and more people are beginning to see hope. Hope, that is, in being able to afford to get expensive dental treatments at a discounted rate.

If you want to find the best discount dental plan, finding one online will make the process easier for you. You save on time and effort because most of the important information is already posted on the web. Keep in mind though that the features of discount dental plans will differ depending on the company that is offering it. Thus, you will need to compare and contrast the plans against each other to find the one that you feel will work best for you.

There are many advantages of discount dental plans such as the unlimited charges in discount dental plans, and the savings in discount dental plans. The fee you will pay for one year will be more than covered by the savings in discount dental plans. This is because the discount rates ranges from 10 to a whopping 60% off from the regular rates. You can just imagine how much that is at the end of the year.

There are some conditions you must meet to avail of the discount. First, you need to be updated with your payments. Second, you will need to pay in cash. Third, you will have to use the services of qualified dentists in the list of the finance company. You cannot use your own qualified dentist unless he is on the list.

If you compare the conditions and terms against the advantages of discount dental plans, you will not even spare a second thought, especially if you compare it with dental insurance. Dental insurance terms can be very rigid and uncompromising because it has a limit on the number of times you can get maintenance procedures, as well as be required to submit existing dental conditions. This is because existing dental conditions cannot be covered by dental insurance.

Thus, with the availability of discount dental plans so easy with the internet, finding a good one will not pose a problem at all.

Article Source: http://EzineArticles.com/3806076

Best Dental Insurance For Individuals

Dental insurance plans for individuals are urgent in the lives of all people. Especially for those who wait for a crisis to jolt them out of their skins. Such people ignore personal wellness and tend to take life for granted. There is also the lurking fear of high premiums which are hand in glove with the dental insurance individual plans. They regard this as an unnecessary expense, which they could well do without. Budgets they feel get shaken with worthless expenses like the dental insurance for individuals. However, such thoughts and decisions are absolutely wrong. You must have some backup plan in case your teeth need aid. Keep in mind that visiting dentists is a very expensive proposition. Their fee is sky rocketing, especially in bigger cities. Best Dental Insurance for Individuals A cheap dental insurance plan keeps you stress free as your visits to the doctor are covered under the best dental insurance for individuals. Dental treatments too end up burning a hole in your pocket. Intelligent is the person who organizes his life and is well planned for dire situations.
Dental insurance for individuals really works like magic. It helps you to tide over tough times, simply by paying a small premium every month. You might be aware of a big dental expense coming your way, like the replacement of bridges and crowns. Be savvy and make sure to purchase a cheap dental insurance, which would cover your up coming expenses. If you have no dental insurance individual’s policy, you may end up paying double the price. Look out and research for cheap dental insurance for individuals, in ord Such people ignore personal wellness and tend to take life for granted.er to attain maximum benefits.
There are innumerable dental plans and dental insurances for individuals to choose from. There are separate rates for different categories of people. Children and seniors fall in another group. The elderly are more liable to dental problems, thus they face either higher premiums or sometimes even exclusions.
Remember that biannual checkups are a must for a healthy mouth. Without the dental insurance plans for individuals, these visits cost the earth. Some insurance companies give you the option to choose plans for specialized dentistry. These do not have an upper ceiling on the amount of the insurance cover. Thus, the most expensive dental procedures get covered by dental insurance plans for individuals. In such cases you have to pay higher premiums, but at least your problems get sorted out.
Dental insurance individual plan takes care of you in your hour of need. Don’t stay away from it as that can leave you in feeling helpless and miserable.

Individual Dental Insurance Plans
Most insurance companies stay away from providing dental insurance for individuals. This is because there are a huge number of dental patients. Also, the fee of the dentists is very high and the dental treatments are hitting the roof. Furnishing dental insurance plans for individuals becomes a non viable venture for the insurance company. If the patient has a dental insurance individual plan, then it must be beneficial to him and lucrative for the company. Individual Dental Insurance Plans. The owners of existing dental insurance plans for individuals will on no account want to pay extra premiums. Yet, they must keep inflation in mind. If this continues then the insurance companies pay more, give extra benefits and yet earn lesser from premiums. Thus, they end up losing money. That is why dental insurance for Such people ignore personal wellness and tend to take life for granted. individuals is a very expensive program. The company offering dental insurance for individuals must keep into account the previous claims made by the individuals, before offering any plans to the customers. Often, the insurance companies refuse further insurance cover or ask the individuals to pay a higher premium. Look out for dental insurance for individuals, which has a good set of listed dentists. Sometimes, the dental insurance plan for individuals does not work beneficially for you. In that case, tie up with dentists who are affordable and can offer some sort of a lucrative dental plan to the patients. They may have a system of making monthly payments, which might be more feasible than paying insurance premiums.
There are many dental insurance plans for individuals. There is a different price for each. You will find both cheap dental insurances and costly ones. The cheap dental insurance may not necessarily be the best dental insurance for individuals. Check the benefits you will get for the different dental insurance plans for individuals. Purchase the dental insurance individuals plan, most suitable for your needs. Also, remember to check the deductibles. Obviously, you would want to pay lower premiums in case of preventive dental care. Try and buy the dental insurance for individuals, which leans more towards the client rather than one which almost discourages you from getting a dental insurance individual plan. The premiums must be fair and not such that you want to run a mile.
The dental insurance individuals plan benefits families too, for cleaning and regular dental check ups. These are the best for people who do not get dental insurance coverage from their employers. In case of the dental insurance for individuals, you have to be responsible for your own payments. It is more expensive than a group plan. The best dental insurance for individuals has customization and flexibility. The cost works out to approximately $10 to $ 25 per month. The dental insurance individuals plan