Top Articles
12/08/2005
If you’re reading this now, it’s likely that you haven’t yet decided on which dental care option is best for you. Consulting with a licensed insurance broker can guide you through the maze of dental care choices and help you find the coverage to meet your goals at a price that falls within your budget. If you are unfamiliar with some or all of the types of dental products, a licensed insurance broker can explain the pros and cons of each and make a recommendation as to which type might best suit your needs. A licensed insurance broker can play a key role in helping you negotiate the maze of dental care options. Expert product knowledge and choice uniquely qualify licensed insurance brokers to provide you with detailed descriptions of product types and the different levels of benefits and risk that each offers.
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04/12/2005
Selecting an Appropriate Plan
Deciding on whether to purchase dental coverage and selecting from countless regional and national dental plans can seem like a daunting task. Whether you are considering small business, group, individual or family dental insurance, the information that follows can help guide you through the decisions. This article offers an overview of why dental insurance is important and cost effective and explains the different types of dental plans, including direct reimbursement, indemnity, preferred provider organization (PPO) , dental health maintenance organization (DMHO) , discount/referral or reduced fee for services (RFFS) and point of service (POS) plans.
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04/12/2005
The easiest and least costly route to good oral health is often the most overlooked. Brushing and flossing require just a few minutes of each day, yet few of us take the time to establish healthy oral hygiene habits. This article answers the questions of how often you should brush and floss, which teeth you should floss and what benefits you will gain by adopting a steady routine for you and your entire family.
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04/12/2005
Dentists concur that it’s never too early to begin an oral hygiene regimen for your children. This article explains how to care for a baby’s gums, even before the first tooth appears. Other tips include how to brush a very young child’s teeth, what type of brush to use, when to replace a brush and how long you should monitor your child’s tooth brushing process. The article also explains why bedtime is the most important time for your children to brush and when they should begin flossing.
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04/12/2005
Do you avoid seeing a dentist
even when you have dental insurance to cover the cost? If you are apprehensive or even phobic about dentists, the information presented in this article may help you. An important step toward conquering your fear is to educate yourself on the many options available today that help allay dental anxiety. This article points out what attributes to look for in a good dentist and provides tips on how to find one. You’ll also learn about the importance of the patient/dentist relationship and how communication and building trust can eliminate much of the anxiety.
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04/12/2005
Has your dentist recommended braces?
Perhaps you’re unhappy with your smile or are experiencing jaw pain. Orthodontic treatment aligns the teeth and jaws to improve your oral health and the cosmetic appearance of your teeth and face, and braces are the main gear dental professionals employ to achieve this goal. This article explains which patients can benefit, the optimum patient age and the different types of braces available today, including metal versus plastic and invisible “lingual” versus standard wrap-around bands. You’ll also learn about length of treatment, what to expect on each visit and what changes, if any, you will need to make to your diet and oral hygiene habits while undergoing orthodontic treatment.
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04/12/2005
Most visits to the dentist are for routine care, but in emergency situations, seeking immediate care may be the most important dental visit you’ll ever make. The following article discusses the many dental emergencies that might occur and the steps you should take to minimize pain and damage. Emergencies that are specifically addressed include teeth that are knocked out (evulsed), forced out of position (extruded), or broken (fractured). Other emergencies include cuts to lips, gums or cheeks. This article points out emergencies that require immediate dental care within 30 minutes and provides guidelines for those that should be referred to a hospital emergency room.
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04/12/2005
Recent studies show that more than 90 percent of the adult U.S. population—literally millions of people—suffer from some form of periodontal disease. Are you one of them? Periodontal diseases affect the tissues that support and anchor the teeth, and left untreated, can lead to tooth loss. The article below describes types of periodontal diseases, their signs and risk factors. Also described is the role of the periodontist, a dentist who specializes in periodontal disease prevention, diagnosis and treatment, and what you can expect when you visit a periodontist.
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04/12/2005
Years ago, teeth with diseased or injured soft cores, or pulp, were removed. But today, root canal treatment provides dentists a safe way of saving teeth. The following article presents detailed graphics and explanations of this treatment, including a definition of dental pulp, what happens when the pulp is injured, and the why the pulp should be removed. Root canal treatment is performed by a general dentist or an endodontist, a dentist who specializes in problems of the pulp. A definition of abscess, its causes and treatment are also included. You’ll also learn about preparation for the treatment, temporary fillings, permanent crowns and how long you can expect your restored tooth to last.
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04/12/2005
A Consumer's Guide To Dental Insurance
Consumers searching for individual, family, group or small business dental insurance can choose from a broad range of regional and national dental plans that accommodate a variety of needs and expectations. The following article begins with a brief overview of the fundamental differences between medical and dental insurance and the role dental coverage plays in maintaining your overall health and well-being. The article then presents information that helps you make an informed decision when selecting a dental plan and also provides tips for maximizing use of the plan’s benefits.
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04/12/2005
What looks like a bargain today may not be a good buy in the long run. While your out-of-pocket costs are, of course, an important part of your decision-making process when choosing a dental plan, they are not the only criteria to use when evaluating your options. Your primary focus should be to determine whether the coverage will satisfy your dental care needs. Consider the following:
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04/12/2005
Whiter teeth and a brighter smile are easier to obtain than many might think. While some dental insurance plans provide benefits for a portion of the cost to whiten teeth, you’ll find the increased self-confidence is worth the cost, even if your dental plan doesn’t cover it. The following article explains one dentist’s method of correcting tooth discoloration due to aging, consumption of staining substances such as coffee, tea, colas and tobacco, trauma, tetracycline (antibiotic) staining, excessive fluoride, nerve degeneration and old restorations.
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04/12/2005
By the time we reach our late teens and early twenties, many of us are urged by our dentists to have one or more of our wisdom teeth removed. The article below provides a brief history of why humans develop wisdom teeth when there is no room in the mouth to accommodate them and explains why dentists recommend removal even when your wisdom teeth don’t seem to be giving you a problem. You’ll learn about the primary reasons for removing the teeth, including potential infections, damage to adjacent teeth and pain.
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04/12/2005
If you are a denture wearer, you may think it’s not necessary to visit your dentist as often as you used to, or even at all. The following article explains why it is important for denture wearers to maintain a good regime of oral care, which includes routine visits to a dentist for cleanings and checkups. The article also discusses why dentures should be cleaned daily and provides guidelines on how to safely clean them, such as rinsing and brushing the denture after each meal and before bed, avoiding scouring powders and abrasive cleaners, using chemical immersions and having the dentures ultrasonically cleaned by your dentist at each visit.
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04/14/2005
Group Plan: An employer group purchases and maintains insurance coverage for its employees. Premiums are paid by the employer and may require the employee to partially or fully pay for coverage with pre-tax income deductions. The employer may customize the plan with the insurance company with regard to benefits, employee deductibles/co-pays, covered treatment, and annual maximums.
Private employer-sponsored group benefit plans are regulated by the Employee Retirement Income Security Act of 1974 (ERISA), under the Pension and Welfare Benefits Administration, U.S. Department of Labor.
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04/10/2005
Does the sound of a dentist's drill set your teeth on edge? Consider how much greater your anxiety would be if you had no dental insurance.
Forty-six percent of the population doesn't, according to the National Association of Dental Plans.
Individual coverage is available, but finding the right policy can take a little digging. And, like the group coverage offered through employers, it doesn't always pay for everything.
Some dental insurance professionals believe that individual policies are more expensive and in some cases less comprehensive than you might get with a group plan.
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