If you have ever searched for affordable dental insurance, you’re far from being alone. A visit to the dentist will cost you, and saving money is a high priority.
However, if you are saving money by putting off needed dental care, you may be hurting your teeth and your budget. And, again, you would not be alone.
Marko Vujicic is chief economist and vice president of the Health Policy Institute at the American Dental Association. According to a study led by Vujicic, more people are avoiding dental care than other types of health care due to cost, the Washington Post reports.
Affordable Dental Insurance: The Cost of Prevention vs. Repair
Managing dental symptoms in a visit to an emergency room can be up to ten times more costly than the cost of prevention.
Most ER dental visits are for infections that a dentist could handle in their office, Vujicic said. According to data from the Agency for Healthcare Research and Quality, emergency room dental visits cost $1.9 billion a year. Forty percent of that is public money.
“I’m comfortable calling that highly wasteful,” Vujicic told the Post. “That’s a very inefficient way to spend dollars.”
Highlights of the study include the following findings:
– 12.8 percent of non-elderly adults (adults ages 19 to 64) were likely to forgo dental care due to costs
– 7.2 percent of seniors and 4.3 percent of children were likely to forgo dental care due to costs
– Nearly 1 in 4 adults with incomes below poverty level said they skipped dental care due to costs
Even those who do have dental insurance have avoided dental work due to cost, the study found.
How to Find Affordable Dental Insurance
Are you on the hunt for affordable dental insurance? You don’t have to be an expert to make a confident decision. Check out our info on dental plan basics.
You’ll learn how to:
– Identify your needs based on your age and family history
– Evaluate your dental plan options based on treatment, network, and cost variables
– And make your family’s oral health a priority
Regardless of which dental insurance carrier you may choose, make your family’s oral health a top priority. It’s a choice you’ll never regret.
With dental coverage, people tend to maintain better dental habits — brushing, flossing, and regular visits to the dentist — than those without. Teach your children healthy dental habits and help them maintain their teeth throughout life.
Studies of oral health roll out on an irregular basis. Some look at the entire population, such as the work reported by the Centers for Disease Control (CDC). Others look more closely at specific groups. One recent study looked at middle-aged oral health.
The University of Michigan National Poll on Healthy Aging found that many Americans in the 50-64 age range live with dental pain. In addition, many in this group feel embarrassed by their teeth. Moreover, many also report poor prevention practices where oral health is concerned.
Statistics on Middle-Aged Oral Health in the US
The UM study found that people aged 50-64 face not only current problems but also an uncertain future. Among the problems that people reported are the following:
- 1 in 3 Americans between ages of 50-64 say they feel embarrassed by the their teeth
- 1 in 3 in this group also say dental problems have caused them pain or other problems in the previous two-year period
- More than 1 in 4 have no dental insurance currently
- 51% of those polled do not know how they will get dental insurance after age 65
- 40% do not get regular teeth cleanings or preventive care
Dental Insurance and Middle-Aged Oral Health
The poll suggests insurance coverage and lack of oral health care are related. Only about one in four – 28% – said they had no dental plan. But among those who said they only sought care for serious dental problems, more than half – 56% – had no dental insurance.
How will they afford dental care in the future?
More than half of the sample did not know how they would get dental insurance after age 65. Some 13% are counting on Medicare or Medicaid to cover their oral care needs after 65. However, traditional Medicare will not cover routine dental work. In addition, Medicaid coverage for dental care is often limited.
The Findings “Highlight a Stark Divide”
AARP was one of the partners in the research. Michigan Medicine, U-M’s academic medical center, was also involved. The sample included 1,066 people ages 50 to 64.
“Our findings highlight a stark divide among middle-aged Americans in terms of their oral health now,” says associate poll director Erica Solway, Ph.D, “and a real uncertainty about how they will get and pay for care as they age.”
“This is not out of disregard for the importance of preventive dental care,” Solway continued. “…more than three-quarters of the people we polled agree that regular care is important to preventing problems later. But it does highlight opportunities to improve access to care and insurance options after age 65.”
Solway and poll director Preeti Malani, M.D., a professor of internal medicine at the U-M Medical School, found that those polled fit into one of three groups based on their responses:
- Prevention-Focused: About 60% got regular preventive care and attention for dental problems
- Inconsistent Prevention: 17% sought preventive dental care only occasionally
- Problem-Only: 23% went to the dentist only for serious dental problems
“We know that oral health is a critical factor in overall wellness,” stated Dr. Alison Bryant, Senior Vice President of Research for AARP, “and this research helps us identify some key issues – such as affordability and coverage – that we can focus on to address those 40% who are not prevention-focused.”
Next: Learn about Supplemental Dental Insurance
There are many great stories we could include in a list titled “top dental news 2017.” Researchers have made many inspiring discoveries this year. Many people have provided deeper insights into the fields of oral health and dentistry over the past 12 months.
Here, in case you missed them, are our picks for the top dental news stories of 2017.
Top Dental News 2017: For healthier teeth, provide better food choices near schools
For a study on oral health promotion, researchers in Canada looked at schools in Greater Montréal. They wanted to see what effects oral health promotion had on kids’ cavity rates.
Many studies have looked at weight issues in and around schools. Only a few have looked at cavities. The researchers found that kids’ food, social and economic environments had a greater impact on oral health than programs that promote healthy choices.
From the report: “Policies promoting healthy eating environments could have a greater impact on children’s oral health than school programs run in isolation…”
Top Dental News 2017: New, fast-dissolving glass puts minerals back into damaged teeth
Researchers at Queen Mary University of London (QMUL) announced in September that they have created a new way to heal teeth. They’re using a type of glass that dissolves quickly.
To help repair teeth, the team is putting “bioactive” glass into toothpaste and dental fillings. As the glass dissolves, it releases Chloride. This forms a chemical that acts like tooth and bone. Used in dental fillings or toothpaste, it helps replace the minerals lost to decay.
“This toothpaste is unique because it can put back the mineral lost from your teeth after consumption of an acidic drink, but without the use of fluoride.” Professor Robert Hill from QMUL’s Institute of Dentistry said. “This isn’t just for people who have bad teeth, everyone can potentially benefit…”
Top Dental News 2017: Slippery inhibitor helps prevent cavities
In a study at the University of Alabama at Birmingham, researchers created a small molecular inhibitor that “shields” teeth. The inhibitor blocks enzymes so they cannot damage teeth.
In fact, it was able to reduce dental caries, or cavities, in rats even when fed a diet that would normally promote tooth decay. The study included researchers from the Department of Microbiology in the UAB School of Medicine.
The researchers explained that the inhibitor “…can be developed into therapeutic drugs that prevent and treat dental caries.”
Top Dental News 2017: A bad bite linked to postural, balance control
Teeth that don’t quite fit together can lead to jaw pain, gaps between teeth or crowding. However, two new studies have shown that this “malocclusion” can also have an effect on posture and balance.
“What is relevant in the study is that malocclusions have also been associated with different motor and physiological alterations,” explains the main author of the studies.
They showed that correcting the malocclusion improved control over posture and balance. Further proof, if needed, that oral health and overall health truly go hand in hand.
Top Dental News 2017: Household environment, not genetics, shapes salivary microbes
A study by the American Society for Microbiology sheds new light on the important role saliva plays in oral health and overall health. The researchers found that the microorganisms in saliva “are largely determined by the human host’s household,” not by human genetics.
“It’s generally becoming known that there’s a link between our microbiomes and our health and that’s reason enough to find out what’s in there, how they arrived there, and what they are doing,” explained Adam P. Roberts. Roberts is senior lecturer in antimicrobial chemotherapy and resistance at the Liverpool School of Tropical Medicine.
The findings indicate that a person’s early environment plays a larger role than was thought in the creation of the microbiome.
Top Dental News 2017: Molecule in human saliva has potential for wound healing
Sticking with the theme of saliva, another study looked at the odd fact that mouth wounds heal faster than other wounds. Scientists already knew that saliva played a role in this, but how was still a mystery.
Now, researchers at the Federation of American Societies for Experimental Biology have shown that a peptide known as salivary peptide histatin-1 promotes blood vessel formation. This process, called angiogenesis, is vital for wounds to heal efficiently.
“We believe that the study could help the design of better approaches to improve wound healing in tissues other than the mouth,” said Vicente A. Torres, Ph.D., associate professor at the Institute for Research in Dental Sciences within the Faculty of Dentistry at the University of Chile in Santiago.
Thanks for reading! Here’s wishing you and yours a happy, healthy new year!
A growing number of dentists are finding that VR improves dental experiences for patients.
Virtual reality (VR) is technology that transports users into a “virtual world.” According to recent projections, its use in health care could grow into a $5+ billion industry by 2025.*
Some dentists are already on board with this trend. A growing number have found that using VR improves dental experiences for patients.
Dr. Bryan Laskin of Lake Minnetonka Dental in Minnesota is one. After listening to a virtual reality conference and studying its correlation to pain management, he’s been trying out VR.
“I like to think of virtual reality like digital nitrous,” Laskin said. “I think that VR in health care is going to take a different path than in the entertainment and gaming industry, and I think we are the right people to chart that path,” he added.
How VR Improves Dental Experiences
However, is there solid research to back this trend? It turns out, researchers have studied this use of VR for years. Many studies have found that using VR can help manage pain.
Recently, British researchers looked more closely at the issue of dental pain and VR. They wanted to see if using VR improves dental experiences. To find out, they used it during routine work such as getting a filling or extraction.
In their study, patients were given standard care, took a VR “walk” along a beach, or “walked” through a virtual city. Those who strolled the beach (called Virtual Wembury) were “less anxious, experienced less pain, and had more positive recollections of their treatment a week later,” the researchers reported.
However, patients who took a VR “walk” around a virtual city did not find the same benefits.
Natural Environments and Stress Reduction
Why should imagining walking along a beach help block pain?
The authors stress that the type of VR environment is important. The fact that only patients who visited the beach had better experiences than standard care makes some sense. That’s because many studies have shown that natural environments can help reduce anxiety.
“…people are happiest and most relaxed when they are at the seaside,” co-author Dr Mathew White from the University of Exeter said. “So it seemed only natural to investigate whether we could ‘bottle’ this experience and use it to help people,” he added.
Proof that VR improves dental experiences
In short, there is clear proof of the positive effects of VR on dental experiences.
“Our research demonstrates that under the right conditions, this technology can be used to help both patients and practitioners,” the lead author of the study, Dr Karin Tanja-Dijkstra, said.
“The level of positive feedback we got from patients visiting Virtual Wembury was fantastic,” added Melissa Auvray, the dentist involved in the research. “Of course, as dentists we do our very best to make the patient feel as comfortable as possible,” Auvray said, “but we are always on the look out for new ways to improve their experiences.”
*Healthcare Augmented & Virtual Reality Market Worth $5.1 Billion By 2025, published May 2017, www.grandviewresearch.com.
When you buy a major medical insurance policy, dental insurance is usually not included. Typically, you have to purchase a supplemental dental insurance plan separately.
Have you ever wondered, though, if you could have more than one dental plan? The answer is, “Yes, you can.” Supplemental dental insurance can help if you have dental needs that your current dental plan won’t cover.
However, while it may cut back on your out of pocket costs, having a second dental plan will not double your coverage. When you have two dental plans, the insurance companies work together to coordinate your benefits.
Supplemental dental insurance and benefit coordination
Having supplemental dental insurance, or “dual” coverage, does not mean you’ll be able to get dental work free. It means that your plans will work together and coordinate your benefits so you can get the work done for less.
In practice, this means one plan will be the “primary” plan and the other will be the “secondary” plan. The primary plan pays first, and then the secondary plan kicks in.
However, a secondary plan’s benefits are typically limited. In most cases, it only pays whichever is less: its normal benefit or the patient’s out of pocket costs under the primary plan.
Have kids? Are you ready to deal with dental trauma?
Example: How supplemental dental insurance works
Suppose you have two dental plans, and each includes two cleanings a year. That sounds like you’d be allowed to get a total of four cleanings a year, doesn’t it?
Actually, you would only be entitled to two. That’s because your dental plans will work together to coordinate your benefits. The primary plan covers two cleanings, leaving nothing for the second one to pick up.
This means that if you shop for a second plan, you will want to coordinate as well. You will want to look for additional coverage that fills gaps in your primary plan, not simply duplicate what you have.
Learn about Discount Dental Plans.
According to the US Census, 24% of the US population will be 65 or older by the year 2060. As Americans age, more people are asking about dental insurance for seniors.
That should be no surprise. Older Americans have seen record advances in oral care. Dental tech has grown far beyond where it was even 50 years ago. Dental schools have raised the bar for dental training and certification. Also, dental care products are simply more varied and easier to find today.
Moreover, older Americans are healthier now than in the past. They’re more active and conscious of health and diet than their parents were. In short, seniors today have more teeth than at any other time. And they want to keep them.
Who needs dental insurance for seniors?
Even with better dental care products, tech, and training, people face added oral health challenges as they age. In fact, according to the CDC, the following are just a few of the oral health issues in aging adults:
- Untreated tooth decay: 1 in 5 adults age 65 and older have untreated tooth decay
- Tooth loss: 1 in 5 adults in this range have lost all of their teeth
- Gum disease: Nearly 2 in 3 adults in this age range have gum disease
- Oral cancer: Cancers of the mouth are primarily found in older adults
- Chronic disease: Prescription and over-the-counter drug use can cause dry mouth, which reduces saliva flow and increases the risk of cavities
Still, staying on top of these and related oral health concerns is only part of what’s driving the interest in dental insurance for seniors. What else is driving the need? Well, as the Boomer generation retires, more older adults will need to find a dental plan that will pick up where their employee plans left off.
While Medicare provides benefits that help ensure healthcare coverage continues into old age, it does not cover routine dental care. The federal government may not see the connection between oral health and overall health, but you can bet your dentist does.
How to find dental insurance for seniors
The “healthy teeth, healthy body” link is just one more reason to protect your teeth as you age, and dental insurance is the best way we know to preserve your hard earned oral health.
To find dental insurance for seniors that will fit your lifestyle and needs, get started with a free quote today.
Did you know that you could buy your own dental insurance whenever you want to? It’s true! Wondering what’s the best way to start your search? It’s easy. Get some dental insurance quotes.
Everything you need to get started with a new dental plan is available right online. Getting a quote is the place to start. This site let’s you search for plans that are available where you live.
Then, you can compare the plans to find the one that’s right for you. You can even apply for and purchase your new dental insurance right from the comfort of…well, wherever you may be.
Dental Insurance Quotes Help You Sort Your Options
Dental insurance is important for a number of reasons. One is to keep your dental care costs low. If you need work such as oral surgery, dentures, or a crown, a dental plan will help you save money. Preventive care is also very important. Most plans will pay for routine exams and cleanings. Insurers know: Repairing damaged teeth is far more costly in the end.
Oral Health Facts: 60–90% of kids have cavities.
If you’re ready to take control of your dental care costs, getting some dental insurance quotes will help you sort your options. Getting a quote is easy. In most cases, all you need to start a quote is your Zip code.
You can try this out right now on our home page. Enter your Zip code and click “Find Plans.” On the Plan Summary page, you’ll see a list of the dental plans that are available in your area. You can sort by plans that offer dental only, vision only, or see plans that have both dental and vision benefits.
Dental Insurance Quotes Make Comparing Plans Easy
It is easy to compare up to three dental plans side by side. Simply check the “Compare” box in up to three plans on your list. Then click “Compare.”
What you’ll see next is a summary of the plan types and costs for your Zip code area. Providers and Plans are at the top, followed by the Plan Type. To learn about the type of plan, such as a PPO plan, you can click on the type for a pop-up definition.
Dental Discount Plans: Could one help you?
Next, you’ll see the Requested Effective Date. This tells you when your plan would take effect based on when you apply. Plan Costs are next. This section lists the plan premiums for individuals, couples, and families.
Our dental insurance quotes also show you clear information about fees. In addition, a number of links help you dig deeper into plan info and learn about plan providers.
Finally, when you find a plan that fits your needs, you can simply click to apply.
Dental insurance companies, or “carriers,” make up most of the dental insurance industry. The nearly 1,500 businesses in this industry earned nearly $75 billion in revenue during a recent period. In addition, the industry employs nearly 82,000 people.
Dental insurance is a type of financial product. Dental insurance companies create dental plans to help people pay for dental care.
While the past 6 years have seen spending on health care rise, some say that trend has also led to higher dental care costs. Hence, to be profitable, dental insurance companies must be frugal. They have to think about every penny when they create and market dental plans.
The Dental Insurance Companies on this Site
As a leading provider of dental insurance, we’ve made it our job to help you shop and apply for dental plans. To help you find the plan that’s right for you, we show you only some of the country’s top dental insurance companies and plans.
The following are a few of our favorites.
Ameritas is a top provider of dental and eye care products, services and business solutions. Also, it is part of Ameritas Life insurance Corp., and earns high ratings from industry analysts.
American National is among the largest life insurance companies in the US. It’s part of American National Insurance Company, which markets health and other products.
HumanaOne Dental is part of Humana Inc., one of the nation’s largest publicly traded health benefits companies. Its HumanaOne Dental and Vision Plans can help you save money with a simple and hassle-free experience.
Delta Dental is a very large and experienced carrier. In addition, they offer dental plans for a wide range of people and groups.
Dentalsave is one solution to the rising cost of traditional coverage. Northeast Dental Plan and Southeast Dental Plan in Florida and are both affiliates of DentalSave, America. Inc.
Dominion National Services is a provider of dental and vision benefits. Among its 840,000 customers are both individuals and groups.
Guardian provides dental plans to 7 million customers. It also provides access to a large dental network with competitive benefits.
But wait, there’s more…
Nationwide offers comprehensive dental insurance created to offer you protection and flexibility. In addition, Multiflex covers basic, preventative, and major dental services.
Primecare Dental is a dental plan operating in California. Founded by dental professionals, it began marketing its first dental plan in 1983.
Time Insurance Company provides a variety of plan choices. Its headquarters are in Milwaukee, Wisconsin.
Argus is owned and operated by professionals with extensive experience with dental insurance and clinical dentistry. Its benefit plans meet the needs of individuals and groups.
Delta Dental of MI is one of the largest carriers in the nation. Its plans are also part of a group of plans that provide coverage to more than 54 million Americans.
Renaissance Dental provides flexible plans and exceptional customer service. It boasts an A- rating from A.M. Best Company and provides online tools that make it easy to find and manage information.
Starmount Life Insurance provides dental insurance to individuals, families and groups. In addition, it has more than 600,000 covered people in 49 states and the District of Columbia.
How to Choose Dental Insurance
Even with a curated group of companies to choose from, choosing a dental insurance plan requires thought and consideration. Therefore, to take stock of your needs and choose the plan that’s best for you, start with this simple checklist.
Then, when you’re ready to start shopping, get your free quote and compare the dental insurance companies and plans available here at DentalInsurance.com.
Discount dental plans (DDPs) are not the same as dental insurance. They’re a common type of plan that can help lower the costs of dental work.
People with no dental insurance often turn to a discount dental plan for help. DDPs also appeal to those who have a dental plan that does not cover certain types of work. Having this type of plan can help you avoid an unnecessary trip to the emergency room.
Discount dental plan members receive discounts only when they use a dentist who takes part in the plan. In general, more dentists take part in DDPs than HMOs. The number of dentists in a DDP is very similar to what you might find in a PPO plan.
Learn about the types of dental insurance plans.
Discount Dental Plans: What to Expect
With typical dental insurance plans, you have set co-payments or coinsurance fees. Not with DDPs. Your discount dental plan payment comes in the form of a member fee.
Also, with a DDP, you pay the dentist for work, not the plan. Once you pay to be a member, you can work with the plan’s dentists at their discounted rates. DDPs base their costs on a discounted fee schedule.
Some DDPs offer you ways to save on costs that you can’t get with insurance. For instance, some DDPs may have no annual limits or exclusions. Some let you pay the member fee in easy monthly payments.
Some Examples of Discount Dental Plans
There are many discount dental plans. Some popular DDPs include the following.
The True Advantage Dental Discount Plan is a discount program from Aetna. It gives you access to the Aetna Dental Access® Network, which is one of the largest, most recognized discount dental networks in the nation. Learn more about Aetna True Advantage.
The Alpha Dental Plan from Beta Health is a discount fee-for-service network dental plan. Beta offers another discount dental plan called the Choice Dental Plan. The plans can even be combined to create a “Triple Choice Dental Plan” option. Learn more about Beta Health plans.
The Argus Dental Plan is licensed through the Florida Department of Insurance. Argus’ flexible benefit plans meets the needs of individuals, families, and groups of all sizes. Their network of dentists continues to grow every day. Learn more about the Argus Dental Plan.
The Careington International Plan is a dental discount plan that provides a low monthly cost, a broad list of services, and an extensive provider panel. Members receive discounted dental services at participating provider offices. Learn more about the Careington International dental discount plan.
The Patriot Health Dental Plan is for Americans who have no type of dental coverage or want to supplement existing coverage. This reduced fee-for-service dental program provides dental care at more than 3,600 participating dentists nationwide. Learn more about Patriot Health.
AmeriPlan® Corporation has been a provider of supplemental healthcare benefits since 1992. Members get instant savings when they pay the Network health care provider directly for all services. Learn more about AmeriPlan.
Checklist: Find the Best Discount Dental Plan for You
Yes, there are many great discount dental plans that can help you save on the costs of dental work. However, how can you choose the best one for you? Check out this checklist from DentalInsurance.com! It will help you evaluate which is the best discount dental plan to meet your needs.
Orthodontia is the field of dentistry that focuses on teeth and jaw abnormalities. Orthodontics refers to the devices, such as braces. Specialists use these to help address teeth and jaw related issues. Orthodontists are the specialists who work in this branch of dentistry.
Many people have teeth that are naturally straight and fit together well. However, those with problems such as an overbite or teeth that are too far apart may need help from an orthodontist.
Orthodontic devices, such as braces, help to do the following:
- Straighten crooked or misaligned teeth
- Correct problems related to “bite” – the way teeth come together
- Close any gaps between teeth
- Ensure the lips and teeth are properly aligned
Kids are not the only ones who get orthodontics treatment such as braces. Many adults get braces, as well.
However, many kids get orthodontic treatment to help ensure the jaw grows properly. When the jaw grows as expected, permanent teeth have a better chance of growing in correctly.
Having straight permanent teeth can also help to prevent future oral health problems. And, of course, having healthy teeth can be a help in other parts of life, as well.
Learn how to keep your teeth healthy and strong.
In some cases, braces alone may not be enough to change the way teeth and jaw grow. For these situations, orthodontists may recommend wearing orthodontic headgear. People wear this type of device outside of the mouth to provide added traction.
Headgear can help move teeth into a better position and keep them from shifting. Typically, orthodontic headgear is only worn while at home, such as in the evening or while you’re sleeping.
A retainer is a custom-made orthodontic device that may be either fixed in place or removable. Retainers attach to teeth to help hold them in position.
People usually wear a retainer after a full treatment with braces. However, sometimes orthodontists prescribe them to treat teeth without also using braces.
Whether used alone or with braces, retainers help keep teeth correctly positioned. They are typically made of plastic or rubber and have metal wires that cover the teeth.
For post-braces care, patients should wear their retainer at all times for the first six months, then usually only while sleeping.
Learn more about orthodontia.