EasyDentalQuotes.com https://www.easydentalquotes.com We make dental insurance easy. Wed, 15 Aug 2018 19:28:02 +0000 en-US hourly 1 https://www.easydentalquotes.com/wp-content/uploads/2016/09/cropped-Favicon_Art-1-2-32x32.png EasyDentalQuotes.com https://www.easydentalquotes.com 32 32 Can I get private dental insurance instead of the plan offered at my employer? https://www.easydentalquotes.com/can-i-get-private-dental-insurance-instead-of-the-plan-offered-at-my-employer/ https://www.easydentalquotes.com/can-i-get-private-dental-insurance-instead-of-the-plan-offered-at-my-employer/#respond Fri, 10 Aug 2018 15:20:16 +0000 http://www.easydentalquotes.com/?p=3803 Private dental plans versus group dental options Are you satisfied with the dental plan offered at your employer? Some companies offer great dental benefits, while others may offer skimpy plans with several limitations. We’ll discuss the benefits of group dental plans versus individual dental plans available in the private market to help you decide what […]

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Private dental plans versus group dental options

Are you satisfied with the dental plan offered at your employer? Some companies offer great dental benefits, while others may offer skimpy plans with several limitations. We’ll discuss the benefits of group dental plans versus individual dental plans available in the private market to help you decide what is the best dental option for you.

Dental plans offered by employers can vary in many ways

If you work at a company that offers an employee benefits package, you’re not alone. Depending on the size of an employer, many companies will offer a benefits package to employees that can include health insurance, dental insurance, vision insurance, life insurance, disability insurance, as well as many other types of benefits plans.

While medical insurance is typically the most sought after benefit, the second most popular employee benefit is usually dental insurance. However, not all group dental plans are created equal. There are many types of group dental plans including PPO plans, HMO plans, In Network only plans, as well as discount dental plans.

One of the downsides of employee benefit plans is that you’re limited to the plans and carriers your employer chooses to offer. These plans and provider networks can change from year to year, and some plans may include waiting periods for new hires, while others may not.

It’s important to understand the type of dental plan that may be offered at your employer. Your company may offer great dental benefits or your options may be limited, and not include the benefits you’re looking for. The first step is to properly understand your current benefit options.

Employer paid versus voluntary dental options

When it comes to employee benefits, there are two main categories of plan options. These are employer paid plans versus voluntary plan options. Some types of insurance plans like health insurance require the employer to pay a portion of a plan’s cost. Other types of plans such as dental insurance gives the employer the choice of whether to contribute a portion of a plan’s cost or shift the cost to the employees.

A voluntary dental plan is when an employee is required to pay a portion or all of the plan’s cost. This is important to understand because when the company pays for the cost of your dental plan, it usually makes sense to have this coverage, even if it’s not an ideal plan. However if you have a voluntary dental option, then you’ll want to make sure the plan is meeting your benefit needs because you’ll be responsible for the cost.

This is when it may be a good idea to compare the plans offered by your company to other dental plan options that are available in the private market. Then you’ll be able to decide what makes the most sense for your situation.

Individual and family dental plan options

Individual and family dental plans are different than group dental plan options. These private market dental plans are designed to meet the needs of individuals, families, or seniors regardless of their employment status.

Because of this, there can be a variety of plan types to meet a broad array of benefit needs. Some plans for families may include orthodontic benefits for dependent children. Plans best suited for seniors over age 65 may include large provider networks with no waiting periods. Other low cost discount dental plans can be a great choice for those on a budget looking to get the care they need.

The main idea is to compare the dental plan options at your employer to the other dental plan options in the private market. Most companies will have an open enrollment period once a year for members to determine whether they want to sign up for insurance benefits. This is a great time to evaluate your plan options and see if a private dental plan may offer better benefits at a lower cost than what your employer is offering. You can use online quote sites like EasyDentalQuotes to see private dental plans available in your area.

Choose the best plan to meet your dental needs

Employer sponsored insurance benefits can be a great opportunity. Most employees are grateful for having access to insurance benefits, especially the ones their company pays for.

However as we’ve discussed, there are some scenarios where it can make sense to shop for alternatives in the private market. If you’re willing to do a little research and comparison during your open enrollment period, you can be confident that you’re choosing the best dental plan to meet your needs.


Compare dental plans in your area

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Dental insurance claims… explained https://www.easydentalquotes.com/dental-insurance-claims-explained/ https://www.easydentalquotes.com/dental-insurance-claims-explained/#respond Fri, 27 Jul 2018 14:40:32 +0000 http://www.easydentalquotes.com/?p=3755 Learn how to easily read dental claims and EOBs Insurance claims can be confusing sometimes. It doesn’t matter if it’s for medical, home & auto, or even dental, understanding insurance claims can seem difficult. However, with a little explanation, we can help you gain a better understanding of how dental insurance claims work, and give […]

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Learn how to easily read dental claims and EOBs

Insurance claims can be confusing sometimes. It doesn’t matter if it’s for medical, home & auto, or even dental, understanding insurance claims can seem difficult. However, with a little explanation, we can help you gain a better understanding of how dental insurance claims work, and give you more confidence that you’re getting the most of your insurance benefits.

What is an insurance claim?

Let’s start with the basics. What is an insurance claim? In its simplest form, an insurance claim is simply a “claim” against your insurance policy requesting a benefit payment for covered services that are performed. It’s almost like a notification to the insurance company that you’ve received covered treatments, so they need to make a payment to the provider who performed the services.

What is claims filing?

If an insurance company never receives a claim, then they’ll never know if any covered services are performed for an insured member. This is why a claim needs to be filed so that the carrier can be notified of the insured event.

With dental insurance, most dental offices will file claims directly to the insurance company on behalf of the patient. These claims are often electronically filed, which can speed up the process. Members can also file claims themselves if needed.

What is claims processing?

Once the insurance company receives the filed claim, it will need to be processed. Claims processing is simply reviewing the services or treatments that were performed and making any payments according to the plan benefits. Most benefit payments are made directly to the dentists’ office.

For example, let’s say a member has a dental plan with benefits for general exams covered at 100%. Once the member has their dental exam, the dentist will file the claim with the insurance company. The carrier then processes the claim and makes a payment for 100% of the allowed charges filed by the dentist. The carrier then sends a payment back to the dentist, and also sends an Explanation of Benefits to the member.

What is an Explanation of Benefits?

When a claim has been processed, the insurance carrier will send an Explanation of Benefits or EOB to the covered member. An EOB is a summary of the claim details to show what was filed and how the claim was processed.

The Explanation of Benefits will typically include several key pieces of information. An EOB will show the services and procedures that were performed, the allowed amounts that the carrier applied for each charge, the payments that the carrier made, and the patient responsibility for charges payable by the member.

How to easily read an EOB

Let’s dig in to the components of an EOB to explain how to properly understand it. When you receive an EOB for dental treatments, there are a few things you can check to make sure the claim was processed correctly.

The first thing you can do is to make sure that all the procedures and services that you received are shown on the EOB. Then you can check the charges and allowed amounts for each procedure to see how the carrier paid the claim. Typically most dental plans will pay a percentage for each charge depending on the category the service falls in.

Lastly, you’ll want to make sure the patient responsibility amount that’s listed at the bottom of the EOB matches the amount the provider is billing you. This way you can know that you’re paying the correct amounts to the dentist office.

Be sure to review your dental claims and EOBs

You see, dental claims and EOBs aren’t that difficult to understand after all. With a better view of the entire claims process, you can see how claims are filed, processed, and paid. Then you’ll be able to properly review your EOB to make sure everything was paid correctly. Once you’ve done these things, you can be confident you’re getting the most out of your dental benefits.


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Guard your mouth… it’s the gateway to the rest of your body https://www.easydentalquotes.com/guard-your-mouth-its-the-gateway-to-the-rest-of-your-body/ https://www.easydentalquotes.com/guard-your-mouth-its-the-gateway-to-the-rest-of-your-body/#respond Fri, 13 Jul 2018 15:04:24 +0000 http://www.easydentalquotes.com/?p=3579 Prevent oral issues that can have negative effects on your health It’s an interesting thought, but a true one. The mouth is the gateway to the rest of the body. Obviously food, water, and air enter the body through the oral passage way, but there are other reasons why it’s important to protect your mouth […]

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Prevent oral issues that can have negative effects on your health

It’s an interesting thought, but a true one. The mouth is the gateway to the rest of the body. Obviously food, water, and air enter the body through the oral passage way, but there are other reasons why it’s important to protect your mouth and teeth as it can affect your overall health. We’ll take a look at a few of them.

Oral trauma can affect your appetite and health

It’s no secret that a tooth ache can hinder your appetite. Whether it’s trying to eat on one side of your mouth or avoiding hot and spicy foods, oral pain can limit your appetite and lower your energy level. Sensitive teeth can also limit your food choices, and result in a poor appetite.

This can be a problem because it’s important to maintain a healthy appetite to keep your body nourished and energetic. This helps the body fight off any sickness or inflammation that may arise. Plus it helps you feel better too.

Oral pain can impact your mental state and overall well being

Pain and inflammation can affect your entire body, regardless of it’s origin. But oral pain can especially impact your overall health. Oral pain can affect your energy, your mental state, and your emotional health.

Oral pain that’s allowed to linger can do more than put you in a bad mood. It’s proven that low energy and a poor emotional state can contribute to other illnesses or depression. It’s better to deal with oral issues, so your body can better handle other conditions from a stronger state of mind.

Oral bleeding can impact your cardiovascular health

It’s often overlooked, but oral bleeding can be a dangerous condition. Since the body is connected by the cardiovascular system, oral bleeding can allow any particles, microbes, or bacteria in the mouth to invade the blood stream and move to other parts of the body including your heart.

It’s been shown that patients with continual oral bleeding are more likely to develop heart disease due to the spreading of plaque through the arteries. People with poor oral health are also susceptible to other infections spreading to the body from the mouth if bleeding is left unchecked. If you’ve had consistent bleeding in the mouth, it’s best to get treatment to stop the bleeding in order to prevent additional health risks.

Get immediate treatment for oral issues

With these negative effects and risks of oral issues in mind, it’s always best to take care of oral conditions with proper dental care. Dental professionals are able to identify the source causes of any negative symptoms and begin a treatment plan to get you on the path to oral health.

With proper dental care, you can maintain a healthy mouth that will help promote a healthy body and positive state of mind. Because when it comes to the way you feel, a trip to the dentist can be well worth your while.


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Common dental procedures… explained https://www.easydentalquotes.com/common-dental-procedures-explained/ https://www.easydentalquotes.com/common-dental-procedures-explained/#respond Fri, 29 Jun 2018 14:28:42 +0000 http://www.easydentalquotes.com/?p=3570 Get simple definitions to common dental procedures Dental terms are commonly used with the assumption that everyone knows what they mean. But don’t worry if you’re a little fuzzy about the meaning of some dental terms. We can help easily explain what common dental procedures are and what they can do for your oral health. […]

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Get simple definitions to common dental procedures

Dental terms are commonly used with the assumption that everyone knows what they mean. But don’t worry if you’re a little fuzzy about the meaning of some dental terms. We can help easily explain what common dental procedures are and what they can do for your oral health. Let’s dig in.

Dental exam
Bitewing x-ray
Panoramic x-ray
Deep Cleaning
Dental Sealants
Fillings
Tooth Extraction
Root Canal
Crown
Bridge
Denture
Dental Implant

General dental exam

Most dental procedures start with a basic dental exam. Preventive dental exams do a basic cleaning of the teeth to remove plaque and other debris. Once cleaned, the dentist is able to check the overall oral health of your mouth. Sometimes x-rays may be performed too. After polishing your teeth, a dental professional may recommend other treatments if needed. Most people see the dentist every six months for a basic exam to maintain their oral health.

Bitewing x-rays

Bitewing x-rays are a basic type of procedure that allows a dentist to evaluate the health of your teeth on the inside. X-rays can indicate if there are any issues in a tooth or the jaw that might require further attention. But don’t worry, bitewing x-rays are perfectly safe and painless.

Panoramic x-rays

Panoramic x-rays are also known as full mouth x-rays. Similar to a panoramic picture of the skyline, these x-ray machines are able to get a larger view of the entire mouth and jaw in one panoramic view. A dentist may recommend one of these tests if they need to get a better diagnostic view of any potential oral issues.

Deep cleaning

Deep cleanings may be needed for some patients that need additional care beyond a basic dental cleaning. For patients that have excessive plaque or tarter build up, a deep cleaning or periodontal root scaling helps to remove the oral debris in the mouth. These more involved cleanings can clean the mouth both above and below the gum line to keep teeth clean and healthy.

Dental Sealants

Dental sealants are a newer preventive treatment to help prevent cavities and protect your teeth. Sealants are a plastic like substance that is applied to the deep grooves of the molars or back teeth. This helps create a “seal” to keep food particles and sugar from getting stuck in the teeth that could create cavities. Dental sealants are most popular with children.

Dental fillings

Dental fillings are necessary to repair cavities. Cavities are the early stages of tooth decay that must be treated to prevent further oral damage. Dentists typically remove the tooth debris and soft decay, and then use a resin or amalgam substance to “fill” the missing space that was removed. Dental fillings can last for many years to keep a tooth healthy.

Tooth extraction

When a tooth has been damaged or decayed beyond repair, it may need to be removed. Tooth extractions are simply the removal of a tooth. These can be wisdom teeth for oral surgery or other teeth with a simple procedure in the dental office. Most patients receive some type of anesthetic to prevent any pain during the extraction.

Root canal

Patients with oral pain may need a root canal. A root canal removes the pulp or soft tissue at the root of a tooth to help relieve the pain and also help the tooth heal. A root canal can be the first step to try to save a damaged tooth.

Crown

A crown is a porcelain tooth cap that improves the appearance and usage of a damaged tooth. Crowns are typically glued to the base of an existing tooth that is shaved down to receive the crown. For those with a dental plan, crowns are typically considered a major service for dental insurance.

Bridge

Patients who have a tooth extracted may need a bridge. A bridge is an artificial porcelain replacement for one or more missing teeth. Bridges are typically glued to the base of the existing teeth on either side of the open space. If someone looses a tooth due to oral trauma, then a bridge can be an important treatment for tooth replacement.

Denture

For those who are missing several teeth, a denture is a removable artificial replacement for a set of missing teeth. Dentures can be adhesively attached to the gums or other anchors. When needed, patients can receive both upper and lower dentures. They can also have partial or complete dentures to replace a larger number of missing teeth.

Dental implant

Dental implants are a popular new alternative to missing teeth. A dental implant is a permanent replacement for one or more missing teeth. Whereas crowns and bridges need a tooth base to attach to, dental implants are actually anchored to the bone of the jaw. When fully implanted, dental implants can look and feel like natural teeth. Implants can even be covered by dental insurance.

Hopefully we’ve made these common dental procedures easier to understand. Be sure to ask your dental provider more about any dental services they may recommend for your treatment plan. At EasyDentalQuotes, we make dental easy.


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Simple answers to the best questions about dental insurance https://www.easydentalquotes.com/simple-answers-to-the-best-questions-about-dental-insurance/ https://www.easydentalquotes.com/simple-answers-to-the-best-questions-about-dental-insurance/#respond Fri, 15 Jun 2018 15:23:15 +0000 http://www.easydentalquotes.com/?p=3536 Get answers to the most asked questions about dental plans So you’re thinking about dental insurance? Well you’re not alone. The need for dental services has never been greater, and the cost of dental care has become more expensive each year. Dental insurance remains one of the best methods to help finance the cost of […]

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Get answers to the most asked questions about dental plans

So you’re thinking about dental insurance? Well you’re not alone. The need for dental services has never been greater, and the cost of dental care has become more expensive each year. Dental insurance remains one of the best methods to help finance the cost of vital dental services like routine exams, root canals, crowns, and dental implants. We’re going to take a look at some of the top dental questions most people ask. Let’s get started.

Why do I need dental insurance?
What do dental plans pay for?
How do dental plans work?
What are different types of dental plans?
How do dental networks work?
Where can I find dental plans?
How much does dental insurance cost?
Need more dental questions answered?

Why do I need dental insurance?

This is a great place to start. Why? I suppose the first question could be, “Why do you need to see the dentist?” Most people agree that it’s important to visit the dentist in order to take care of your teeth. But what most people find is that the cost of dental care has become expensive. Even the cost of routine exams and basic dental tests can run into the hundreds of dollars. Then if the dentist recommends a treatment such as a filling, extraction, or major service, the costs can quickly jump into thousands of dollars.

The reality is that most people don’t keep a chunk of change lying around for unexpected dental treatments. This is where dental insurance can step in, to help members be able to receive the dental services they need with a combination of network benefits and insurance payments. We’ll explore dental plans in a little more detail.

What does dental insurance pay for?

So you may ask, “Ok, what do most dental plans pay for?” In short, most dental plans pay for the common types of dental services that the majority of patients need. Most dental insurance plans will breakdown into three main categories: preventive services, basic services, and major services. Most dental treatments will fall into one of these categories.

For example, routine exams and x-rays are usually considered preventive. Common basic services can be fillings, sealants, and other minor procedures. Major services can include root canals, crowns, dentures, and even dental implants.

On the flip side, many dental plans don’t include any benefits for cosmetic procedures like tooth whitening or bleaching. Fortunately, the majority of dental procedures you might need are covered by most dental plans.

How do common dental insurance plans work?

Let’s say you get a common PPO dental insurance plan. With PPO plans, you can generally choose any dentist you’d like to see. Then the plan will help pay for any dental procedures you incur, according to the plan’s benefits.

Some plans can cover your routine exams at 100%. For other dental services, there’s usually a coinsurance split, where the plan may pay 80% and the member pays the other 20% of costs. For major services, it’s common for plans to only pay up to 50% of the costs, leaving the other half to the patient.

After the benefit payments, another important item to consider is the plan’s maximum benefit. Plans can pay anywhere from $1000 up to even $3000 a year per member. This will be the maximum amount of benefits in any one year the plan will pay out. Some plans may also have a yearly deductible of around $50. These are the main features to consider for most common PPO plans.

What are the different types of dental plans?

There are many different types of dental plans, but you can first breakdown plans into two main categories: discount dental plans and dental insurance plans. We’ve mainly been describing dental insurance plans that have an annual benefit max and make benefit payments to a dentist’s office.

With discount dental plans, they work a bit different. Discount plans do not make an actual payment to the dental provider. They only provide a discounted rate per procedure if you see an In Network dentist. The good thing is that these discounts can be from 30-50% or more of retail costs.

On the flip side, dental insurance plans can include PPO plans, Indemnity plans, or HMO type plans. PPO plans allow you to see any dentist, but you get more value by staying In Network. Indemnity plans make a larger payment for Out of Network dentists, while HMO plans are generally In Network only plans. But the most common type of plans are PPO dental plans.

How do dental networks work?

Most dental plans will include a dental network of participating dental providers. These providers can include general dentists, pediatric dentists, orthodontists, endodontists, oral surgeons, and other specialty providers. In Network providers agree to accept a plan’s lower negotiated rates in order to see a plan’s patients. This means savings for patients who see In Network dentists.

As mentioned before, PPO dental plans allow members to see Out of Network dentists too. These dentist can generally charge retail rates and are not subject to any In Network pricing. But most dentist will file claims for patients regardless of network participation.

Where can I find dental insurance options?

There are a variety of places to find quality dental plans. For those who work full time jobs, it’s common for many companies to offer dental insurance as an employee benefit.

However, not all companies offer dental or the coverage options may be lacking at some employers. This is where the private market for dental plans for individuals, families, and seniors comes in. There are many online options to find plans such as EasyDentalQuotes.com. It mainly comes down to finding the right resource for plan options to meet your dental needs.

How much will a dental plan cost?

The cost of a dental plan can vary depending on several factors. First of all is your geographic location. There are certain parts of the country where the cost of living is higher than others. This also relates to the cost of dental plans because rates are based on the charges that most dentists make in a specific area.

There are also various plan factors that can effect cost. Generally plans that offer higher levels of benefits such as orthodontic care or higher benefit maximums will cost more than entry level dental plans. Fortunately, it’s easy to compare dental plans by cost and benefits to be able to find the best solution for your situation. At EasyDentalQuotes, just enter your zip code to see rates for plans in your area.

Answers to more questions

Well we’ve covered some of the most common questions about dental insurance. If you’ve still got questions, we’ve got additional resources to check out concerning all things dental. In the meantime, the most important thing is to be able to get access to the dental care that you need. At EasyDentalQuotes, we help make dental insurance easy.


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What are deep cleanings and periodontal root scaling? https://www.easydentalquotes.com/what-are-deep-cleanings-and-periodontal-root-scaling/ https://www.easydentalquotes.com/what-are-deep-cleanings-and-periodontal-root-scaling/#comments Fri, 25 May 2018 15:35:37 +0000 http://www.easydentalquotes.com/?p=3425 Deep cleanings or periodontal root scaling and planing explained Has your dentist recommended a deep cleaning or root scaling and planing for your teeth? This is becoming a more common procedure, especially for maturing adults. We’ll take a more in depth look at this dental treatment, and explain why it can have very beneficial effects. […]

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Deep cleanings or periodontal root scaling and planing explained

Has your dentist recommended a deep cleaning or root scaling and planing for your teeth? This is becoming a more common procedure, especially for maturing adults. We’ll take a more in depth look at this dental treatment, and explain why it can have very beneficial effects.

Why are basic cleanings not adequate to clean my teeth?

First of all, you may ask why regular cleanings are not able to keep your teeth clean? It’s common knowledge that most dentists recommend getting your teeth professionally cleaned at least every 6 months. This is the schedule that most dental plans allow for preventive exams and basic cleanings.

However for some patients, these basic cleanings may not be adequate to keep teeth properly maintained. Or if someone has delayed a dental visit for a longer period of time, their teeth may also need more than a regular exam and cleaning.

Basic dental cleanings help remove plaque and tartar build up around the teeth and gum line. It’s perfectly normal for a small amount of tartar to build up, even if you brush your teeth daily. However, sometimes the buildup can be excessive and go below the gum line, and this is where additional treatments are needed.

Deep cleanings help protect your teeth and prevent periodontal disease

When the build up of plaque and tartar has gone below the gum line, then a deep cleaning, which is also known as root scaling and planing, may be needed. In a root scaling procedure, a periodontist actually goes both above and under the gum line to remove dental debris and plaque that can cause more severe damage and tooth decay.

While the effects of gum inflammation or gingivitis can be reversed with proactive oral care, once tooth decay and bone loss begins, it’s affects can be more permanent. This is why it’s very important to treat the signs of periodontal disease early on.

The periodontal root scaling and planing process

When having a deep cleaning, it’s good to know about a few parts of the treatment process. Due to the sensitivity of the gums, dental providers will often numb the area of the mouth being cleaned. It’s also common for periodontists to only work on a few quadrants of the mouth at one time, due to the time and anesthesia required. So it may take several visits to completely perform a full deep cleaning of the mouth.

The first step of the treatment is the scaling process where the plaque and debris is removed from the teeth and gums. Most periodontists will use a pick or other ultrasonic device to remove the plaque buildup around the mouth. In certain places, they may need to work under the gum line to get rid of the excessive tartar build up.

After this, the planing process takes place, where the dentist helps to smooth out the roots so that the gums will properly reattach to the teeth. It’s important for a good seal with the gum line to prevent further tarter build up in the gums.

Will I need both regular cleanings and deep cleanings?

Once a patient has had a deep cleaning or root scaling treatment, it can help to put them on the right track. However, regular dental exams and cleanings at least every 6 months are still a necessity for basic oral care. Under the supervision of your general dentist, they can determine if your daily regimen for oral hygiene is adequately preventing the build up of harmful particles. Even with consistent habits of daily oral hygiene it may be necessary to periodically have deep cleanings to maintain a healthy mouth, as every patients’ anatomy can be different.

Does dental insurance cover deep cleanings?

Fortunately, most dental insurance plans include benefits for root scaling procedures or deep cleanings. You may want to check with your specific plan benefits, as the category of coverage can vary for each policy. Some plans may list this treatment as a major procedure, which means the patient will have more out of pocket expense for this treatment even with insurance coverage.

Be sure to maintain your teeth with consistent dental care

As always, it’s so important to take care of your teeth with proper oral care. Frequent visits to the dentist, as well as consistent daily habits can go a long way to preventing oral issues. Be sure to ask your dentist any questions you have regarding deep cleanings and how they might benefit your specific needs. It may just be the treatment you need to keep a long lasting smile.


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How to review and negotiate your bill at the dentist’s office https://www.easydentalquotes.com/how-to-review-and-negotiate-your-bill-at-the-dentists-office/ https://www.easydentalquotes.com/how-to-review-and-negotiate-your-bill-at-the-dentists-office/#respond Fri, 11 May 2018 14:50:35 +0000 http://www.easydentalquotes.com/?p=3196 Learn how to navigate the process of dental claims and billing Have you ever been confused by dental claims or had a dispute with your bill at the dental office? It can be a frustrating process to deal with all the insurance information, claims data, and the provider bill from the dentist. Sometimes you may […]

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Learn how to navigate the process of dental claims and billing

Have you ever been confused by dental claims or had a dispute with your bill at the dental office? It can be a frustrating process to deal with all the insurance information, claims data, and the provider bill from the dentist. Sometimes you may be unsure if you’re being billed correctly, or you may even feel like you’re being over charged for unnecessary expenses. We’ll give you some helpful information and tips about how to best negotiate your bill at the dental office.

Make sure your dental claim is filed
Review your EOB
Make sure In Network discounts are applied
Make sure provider bill matches the EOB
Ask the dentist to “write off” some charges
Continually monitor your provider bills

Make sure your dental claim has been filed with the insurance carrier

If you have a dental plan, the first step is for a claim to be filed with the insurance company. In most cases, the dental office will file claims to the insurance company. In Network dentists are required to file dental claims, but many Out of Network dentists will also file claims as a courtesy to their patients.

Once the claim has been received and processed, the insurance company sends an Explanation of Benefits or EOB to the member and a remittance statement with any payment due to the provider’s office. Normally, dental offices will then send a bill to the member for any outstanding charges that were not covered in full by the dental plan.

However this is where some confusion can enter the process. Now we’ll explain how to review your EOBs and provider bills with a few things to look for.

Review your EOB to make sure the claim was processed correctly

Once you receive your Explanation of Benefits in the mail from your dental carrier, it’s best to check a few things to make sure the claim was processed correctly. Although it doesn’t happen all the time, it’s possible that a claim may not include all the procedures a dentist performed or it may list an incorrect procedure code.

The main thing is to make sure that you’re getting credit and coverage for all the work that was done in the dental office. If an item is missing, you can request that the dentist resubmit the claim with the corrected procedure codes and info. Most dental carriers also have an appeal process if you feel that an item is not processed correctly according to your plan benefits.

Be sure that In Network allowed amounts are being applied

If you saw an In Network dentist, then you’ll want to make sure the claim is processed according to the In Network discounts. This will often appear on most EOBs as the “allowed charges” and should be a lesser amount than the total charge for each procedure.

For example, let’s say the total charge listed on the EOB for an x-ray is $100, but then it shows an allowed charge of $75 for the procedure. This would indicate that the claim is giving an In Network discount of $25 for this procedure since the dentist is In Network. If the total charge is the same amount as the allowed charge, then it could indicate that a discount was not applied.

Make sure the billed amount matches the patient responsibility on the EOB

After you’ve reviewed your Explanation of Benefits from the dental carrier and believe that it was processed correctly, then you will want to make sure the provider bill from the dentist is charging the correct amount. The easiest way to determine this is to see if the patient responsibility shown at the bottom of the EOB matches the billed amount on the provider bill. This will usually indicate the information is matching up and that you’re paying the correct amount.

If an In Network dentist is trying to bill for a larger amount than the EOB indicates, you may want to find out what these charges are for and show them your Explanation of Benefit’s to make sure they’re using the same information.

If you’ve seen an Out of Network dentist, they may sometimes charge you for additional charges beyond the allowed amounts listed on the EOB. This is often called balance billing, where Out of Network providers can charge additional amounts beyond what an insurance carrier has paid. You may want to negotiate with these dentists to reduce your bill.

Ask the dentist to write off any disputed amounts or charges

If you’ve identified some charges that are not matching up to those listed on your Explanation of Benefits, then you should ask In Network dentists to honor the charges from the EOB. For Out of Network dentists, you could ask them if they could write off the additional charges and accept the amounts shown by the insurance plan. It never hurts to ask providers to reduce charges as you’ll never know unless you ask.

Always review your EOBs and provider bills as errors can happen

As we’ve discussed, it’s always a good idea to thoroughly review your Explanation of Benefits and provider bills to make sure everything is correct. Hopefully these tips for reviewing dental claims, EOBs, and provider bills can help make sure you’re getting the most out of your dental benefits. If there’s a discrepancy, then it’s always good to discuss these with your dental provider. With some knowledge and a little negotiation, you can be sure to pay the correct amounts for your dental services or even less.


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Should I replace my silver amalgam fillings? https://www.easydentalquotes.com/should-i-replace-my-silver-amalgam-fillings/ https://www.easydentalquotes.com/should-i-replace-my-silver-amalgam-fillings/#comments Fri, 27 Apr 2018 14:36:24 +0000 http://www.easydentalquotes.com/?p=3174 Are silver amalgam fillings safe or should they be replaced? If you’re of a certain age, and had a filling due to a cavity when growing up, there’s a good chance it’s a silver amalgam filling. These are easy to spot when opening your mouth, due to the contrast of our white teeth and the […]

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Are silver amalgam fillings safe or should they be replaced?

If you’re of a certain age, and had a filling due to a cavity when growing up, there’s a good chance it’s a silver amalgam filling. These are easy to spot when opening your mouth, due to the contrast of our white teeth and the silver metal filling. Some people have even questioned if these metal fillings are safe. Let’s take a look at what your options may be if you have amalgam fillings in your mouth.

What are amalgam fillings?

Amalgam is not a very common word. It simply means a combination of metals. Amalgam fillings are a mixture of copper, tin, silver, and liquid mercury that dentists use to repair and “fill in” teeth due to cavity damage.

When a tooth is damaged due to a cavity, a dentist will drill and remove the tooth decay and will use a dental filling to replace the exposed pocket in the tooth. Dentists used amalgam fillings for decades as it was the most common method of repairing cavities. Amalgam fillings are even still used today in certain situations.

Composite fillings are now more common than amalgam

Composite or resin fillings were first introduced in the 1980’s, although they began to be more common as they were improved in strength and durability during the 1990’s and early 2000’s. Composite fillings are now the preferred method of filling a cavity due to it’s ease of application and the aesthetic benefits of blending with teeth more easily.

Composite fillings are synthetic resins or plastic like materials that dentists use to repair minor tooth damage, mainly with cavities. Most children and teenagers today have composite fillings instead of metal fillings, and you can hardly tell when someone has a composite filling in their mouth. They are the result of the continual process of advancement with oral care and technology.

Should you have silver fillings replaced with composite resin?

Some people have questioned the safety of amalgam fillings, mainly due to the presence of mercury. Although there has been some concern, the prevailing consensus of the FDA and CDC is that amalgam fillings are still a safe dental material. In fact, there have been no health disorders or illnesses linked to amalgam fillings.

However, there are some patients and even some dentists that may recommend replacing amalgam fillings. This can be for aesthetic purposes or if a filling needs replacement due to wear over time. While it may not be necessary from a safety perspective, it’s really not a difficult process to replace a filling if a patient chooses to. It really comes down to one’s own personal preference.

Do dental plans pay for composite fillings?

Most dental plans include benefits for fillings. There are still dental providers who use amalgam fillings for certain dental issues, but many prefer to use composite fillings. While the specific language can vary between dental carriers and plans, patients are typically able to receive composite fillings, even if a plan pays according to the price of an amalgam filling.

Your filling choice is up to you

If you still have some silver fillings in your mouth, you are not alone. There are millions of people with existing amalgam fillings, and this shows how well they have lasted over the years to preserve and protect teeth. But if you’re a little self conscious and prefer to remove the metal from your move, it’s perfectly alright to have them replaced with a newer composite resin filling. The main thing is to keep your teeth healthy and a smile on your face.


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12 Popular dental services for Seniors https://www.easydentalquotes.com/12-popular-dental-services-for-seniors/ https://www.easydentalquotes.com/12-popular-dental-services-for-seniors/#respond Fri, 13 Apr 2018 16:34:16 +0000 http://www.easydentalquotes.com/?p=3117 Learn more about the most popular dental services for seniors If you’re a senior or maturing adult, you probably already know about the importance of taking care of your teeth and oral health. They help us do one of the most enjoyable parts of life… eating. While we can sometimes get away with less treatment […]

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Learn more about the most popular dental services for seniors

If you’re a senior or maturing adult, you probably already know about the importance of taking care of your teeth and oral health. They help us do one of the most enjoyable parts of life… eating. While we can sometimes get away with less treatment and oral maintenance over a period of time, eventually the wear and tear of using our teeth will need the professional care of trained dentists and oral specialists. Let’s delve into some of the most common dental services for seniors.

General exams, cleanings, and x-rays

It all starts in the dentists’ office. Most oral care will begin with a foundation of regular visits to the dentist. Most dental plans include benefits for basic exams every 6 months. General exams usually include a visual examination of the mouth by the dentist as well as x-rays to determine the overall health of the teeth, jaw, and gums. These basic exams are vital to maintaining good oral health and catching any problems before they get worse. You’ll want to be sure to routinely schedule your cleanings as it can save you in the long run.

Deep cleanings or periodontal root scaling

Sometimes seniors may need their cleanings to go a bit deeper. Some oral conditions can require additional maintenance and care beyond basic cleanings. These are known as deep cleanings or periodontal root scaling. These treatments go further in keeping the teeth and gums clean and free of plaque an particles that can cause gum irritations and deteriorate into gingivitis and other oral issues. Many dental plans include benefits for these services, but they may not be in the preventive or basic service categories.

Basic services like fillings and recementation of crowns and dentures

Although more commonly associated with younger patients, it’s still possible for maturing adults to get cavities and need fillings to repair a tooth. Fillings are generally covered in the basic services category of many dental plans.

Another more frequent need of seniors is the recementation of crowns or dentures that come loose. If you have a crown or bridge that becomes loose with no further damage to the porcelain, most dentists can typically recement them to the base tooth. Even though most bonds will hold for a long period of time, you may need to get them recemented over time. It’s always good to ensure a strong bond, both with your dentist and your teeth.

Root canals and extractions

Even with good oral hygiene and exams, it’s possible for dental issues to arise over time. Sometimes a damaged tooth will need more extensive treatment to try to save it. A root canal is one of the first steps to try to save a tooth that has been cracked or jarred. It’s important to keep good blood flow and to remove debris to keep a tooth healthy and pain free.

Sometimes a tooth may be beyond repair and must be pulled. Tooth extractions are covered with most dental insurance plans. Benefits can even include oral surgery depending on a patients needs. Root canals and extractions are some of the first major services that senior dental patients may have to consider.

Major services including crowns, bridges, and dentures

If you’re a senior who’s had a root canal or an extracted tooth, then you’ll probably also need other major dental services to replace a missing tooth such as crowns, bridges, or dentures.

A crown typically replaces one missing tooth, while a bridge can consist of two or more teeth that are missing. Crowns and bridges are usually bonded to base of the tooth that serves as an anchor. Dentures are generally a larger number of teeth or whole mouth replacement that are glued or bonded to the gums.

For those who have crowns, bridges, or dentures, repairs are sometimes needed to recement, refit, or adjust the placement in the mouth. Most dental insurance plans include benefits for the repair and service of oral components like bridges and dentures. Most seniors looking for dental coverage will want to make sure to include these benefits for major dental services.

Dental implants are a denture alternative

One oral treatment that’s growing in popularity with seniors is dental implants. While dentures can be a hassle to deal with since they’re usually bonded to the gums, dental implants can serve as a permanent solution to missing or damaged teeth because they are anchor to the jaw, more like regular teeth. With implants, a titanium base is surgically implanted into the jaw and fuses with the bone as it heals. Once fully healed, dental specialists can attached a crown or bridge to the implant that is permanently anchored to the jaw.

The great thing about implants is that they can look and function like real teeth. Fortunately, there are dental plans that include coverage for dental implants for seniors such as ones with Renaissance Dental.

Maintain your oral hygiene with great oral care

While there are countless other dental services that can be performed for maturing adults, we’ve listed some of the most common services that seniors need. Be sure to have a conversation with your dentist to ask questions and find out what oral treatments you may need in the future. With the right dental care, you can be sure to maintain or improve your oral health for many years to come and to continue that enjoyable part of life… food.


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What is balance billing and how can I avoid it? https://www.easydentalquotes.com/what-is-balance-billing-and-how-can-i-avoid-it/ https://www.easydentalquotes.com/what-is-balance-billing-and-how-can-i-avoid-it/#respond Fri, 06 Apr 2018 15:12:59 +0000 http://www.easydentalquotes.com/?p=3036 Do you know what balance billing is? Balance billing. This unpopular term can be a surprise to some, and cause confusion for many people who choose to see Out of Network medical or dental providers. It can also take a chunk of money out of your wallet. Let’s properly define what balance billing is, and […]

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Do you know what balance billing is?

Balance billing. This unpopular term can be a surprise to some, and cause confusion for many people who choose to see Out of Network medical or dental providers. It can also take a chunk of money out of your wallet. Let’s properly define what balance billing is, and then discuss ways to potentially avoid it.

Balance billing defined

In it’s basic form, balance billing is simply being billed for the balance of charges that are due. However it’s most common with medical and dental services where doctors or dentists are considered Out of Network providers with a plan’s network.

In Network versus Out of Network providers

It can help to understand the main differences between In Network and Out of Network providers. In Network doctors and dentists contract directly with specific carrier networks and agree to certain guidelines. One key provision is that In Network providers must agree to accept the network’s lower negotiated amounts for procedures that are performed. These lower negotiated rates can typically be 30-50% less than average retail rates for services. In Network providers are also required to file claims to the insurance company on behalf of the member.

Out of Network or non-participating providers on the other hand, have not made any agreements with a particular provider network, and are not bound to the same requirements. Out of Network providers can generally charge market rates for services they perform.

While they are not required to file claims for members, many non-participating offices will file claims as a courtesy to their patients because plans will typically send payments back to the provider for services they have performed. However, Out of Network providers can choose to bill patients the difference between the insurance plan’s payment and the provider’s higher retail charges, which is considered balance billing.

An example of balance billing

Here’s a brief example. Let’s say a patient has a dental procedure that’s in the 100% coverage category for preventive services, and an Out of Network dentist charges $100 to perform it. But let’s suppose the dental insurance plan only makes a benefit payment of $80 for the procedure based upon it’s plan provisions.

Some Out of Network dentists may be satisfied with the $80 payment, but other providers may choose to “balance bill” the extra $20 to the member. This is an example of balance billing. It may not seem like a big deal in this example, but with larger claim amounts, balance billing can add up to big bucks.

How to avoid being balance billed

Well the easiest way to avoid being balance billed is to only see In Network providers. If you’re being careful to see participating doctors and dentists, then these providers will be required to accept an insurance plan’s negotiated payments for services.

However, it’s not always possible to stay In Network for all your medical or dental care needs. If you choose to see an Out of Network provider, it’s best to ask beforehand if their office balance bills for charges. You can always ask a providers office if they will accept the insurance payment and “write off” any additional charges.

It never hurts to ask, because some offices are willing to negotiate with patients to keep them from leaving and going to see another provider. It’s also better to ask about their billing guidelines before any services are performed, so that you’re not stuck with a big bill after the fact.

It pays to understand how balance billing works

By being better informed about balance billing, and knowing how to talk with providers about their billing guidelines, you can better navigate the process of seeing Out of network doctors and dentists. Hopefully with this knowledge, you’ll be able to keep more money in your pocket too.


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