EasyDentalQuotes.com https://www.easydentalquotes.com We make dental insurance easy. Fri, 13 Sep 2019 14:44:01 +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 How to deal with an Out of Network dentist https://www.easydentalquotes.com/how-to-deal-with-an-out-of-network-dentist/ https://www.easydentalquotes.com/how-to-deal-with-an-out-of-network-dentist/#respond Fri, 13 Sep 2019 14:42:53 +0000 https://www.easydentalquotes.com/?p=4110 What if you didn’t know your dentist was Out of Network? So you get a your dental bill in the mail and to your surprise, the balance is bigger than you expected. You dig a little deeper and look at your EOB from the insurance company. In the footnote is says… Out of Network provider. […]

The post How to deal with an Out of Network dentist appeared first on EasyDentalQuotes.com.

]]>
What if you didn’t know your dentist was Out of Network?

So you get a your dental bill in the mail and to your surprise, the balance is bigger than you expected. You dig a little deeper and look at your EOB from the insurance company. In the footnote is says… Out of Network provider. This is a shock because you were almost certain the dentist was In Network.

Unfortunately this is a common experience as many patients are surprised to learn that their dentist is now considered Out of Network. But don’t panic. There are some steps you can take to help reduce your existing dental bill and future dental expenses as well.

Explain your situation to the dental office

One of the first steps to take is to speak with your dentist office. Explain that you thought they were an In Network provider, but your Explanation of Benefits shows the claim was processed as Out of Network.

There can be a few reasons for this to happen. Occasionally there can be an error with the way the dentist files a claim. But sometimes the EOB is accurate and the dentist is now in fact, Out of Network. There are a few reasons why this can happen, and several things you can ask your dentist to do.

Dental network contracts expire if they are not renewed

Dental networks change all the time. Dentists typically contract with insurance companies to be an In Network provider, but those agreements expire after a period of time. Dentists are encouraged to renew their network contracts, but sometimes they don’t if they can’t come to an agreement of terms.

Unfortunately, some dental offices don’t advertise any change of network status, so patients can find out after the fact. If this happens to you, then you should ask for a few concessions.

Ask your dentist to “write off” any disallowed charges

If you have a dental claim that is processed as Out of Network, one of the first things you should ask your dentist is to write off any disallowed charges. These are amounts above what an insurance carrier has allowed for each procedure that was performed.

In Network dentists are required to write off disallowed charges, but Out of Network providers are not obligated to do so. However non-network providers can also agree to waive those charges as a courtesy to the patient.

Ask your dentist continue to treat you as an In Network patient

Sometimes if a dentist’s network contract expires, they will continue to treat those patients as though they were still In Network. This typically includes accepting the insurance payment in full and not balance billing the patient.

Insurance payments for Out of Network can vary depending on the insurance policy. Sometimes Out of Network payments can be lower or benefits could be reduced. If your network status has changed, you’ll want to make sure your dentist helps to reduce any negative effects.

Let your dentist know that you’ll seek a new In Network dentist

If you’re in a difficult Out of Network claim situation and the dental office won’t budge on the amounts they are charging, then you should threaten to go to another dentist in the area that is in your plan’s network.

Most dental offices fear losing patients as they are the life blood of their business. A good dental office will do whatever it takes to keep their patients happy and maintain them as a customer.

Just like any other service, your biggest power as a customer is the power to leave and shop somewhere else. The same applies to services like dental and medical care.

Avoid any future issues by keeping check of dental networks

As mentioned before, dental networks can frequently change. So it’s a good idea to frequently check your dental plan’s network to verify your dentist is still in good status with your dental carrier. It can be a good habit to check your network online before any upcoming scheduled dental work.

When you’re looking for current In Network providers in your area, you’ll sometimes find new dentists and practices that are added to your options. Whether it’s a better location or good reviews from friends or family, you may want to consider other provider options once you find out they are In Network for your dental plan.

You’ve got options when dealing with Out of Network dentists

So remember, if you’re dealing with an Out of Network dental claim, there are some basic steps you can take to help reduce your existing bill and avoid future charges. The key is good communication with your dental provider and keeping a check on the network status of your dentist.

With occasional online checks for network status, you can monitor how your dental network changes to be sure you’re using the best dentist available.


Find dental plans to see your dentist

The post How to deal with an Out of Network dentist appeared first on EasyDentalQuotes.com.

]]>
https://www.easydentalquotes.com/how-to-deal-with-an-out-of-network-dentist/feed/ 0
Do millennials need dental insurance? https://www.easydentalquotes.com/do-millennials-need-dental-insurance/ https://www.easydentalquotes.com/do-millennials-need-dental-insurance/#respond Fri, 23 Aug 2019 14:37:16 +0000 https://www.easydentalquotes.com/?p=4102 Millennials and their dental care needs It’s true that the millennials are beginning to dominate many conversations when it comes to economic trends. Companies are lining up to cater to the more than 83 million people in the millennial generation. This group includes everyone ages 22 to 36 years old. While it’s true that younger […]

The post Do millennials need dental insurance? appeared first on EasyDentalQuotes.com.

]]>
Millennials and their dental care needs

It’s true that the millennials are beginning to dominate many conversations when it comes to economic trends. Companies are lining up to cater to the more than 83 million people in the millennial generation. This group includes everyone ages 22 to 36 years old.

While it’s true that younger people spend differently than older generations, there are some services that remain universal to people of all ages. One of these areas is dental care. Let’s take a look at how millennials may view their access to dental care differently than older generations.

Dental issues have impact upon people of all ages

There are some realities of life that impact everyone. One of these is oral health and the reality of dental issues. It’s true that dental problems can occur even if you employ good habits of oral care.

When dental issues arise, it typically requires professional treatment from a dentist or dental provider. Though as with any valuable service, there is a cost associated with dental care. Fortunately there are a variety of methods that millennials can consider to help pay for their dental care needs.

Most millennials have little savings

When it comes to the ability to pay for unexpected expenses, there are some trends that many millennials experience. Older generations typically save for rainy days and have emergency savings available to cover unexpected costs.

However studies show that most millennials have less than $1000 in savings, and some have no savings at all. This can create a problem in relation to dental care, as major dental work can run into thousands of dollars. While savings can help with smaller expenses, there are additional financing methods that can help millennials with their dental care needs.

Many millennials avoid debt

If you don’t have savings, then charge it to the card… right? This might be the mantra of the boomer generation, but most millennials have shunned higher credit card debt. In fact, it’s reported that 65% of millennials don’t even have a credit card.

There are many factors causing this, but the lack of readily available credit can create issues for millennials who need access to services such as dental care. Since many millennials don’t have large savings or easy access to credit, there is a need for other alternatives for getting necessary dental services.

Discount dental plans can appeal to millennials

Discount dental plans can be a great solution for millennials. This is because discount plans give members access to dental treatments at nearly 30% less than retail rates. Plus discount plans are available for around $7 a month.

Studies show that millennials are actually attracted to discounts on products and are heavily driven by price. This is related to their desire to be a responsible consumer and to avoid going into unnecessary debt. For this reason, discount dental plans may be a great solution for many younger patients.

Dental insurance can be a good solution for younger patients

While discount dental plans can be a good option, some younger patients might want better dental benefits. Dental insurance plans are able to cover more services with lower out of pocket costs due to the benefits that are paid to dental providers.

Many times the cost of dental insurance is easily offset by the amount care patients are able to receive. This is why dental insurance plans have been the most popular financing option for dental services for most people. Depending on their dental needs, dental insurance plans can be a great option for some millennial patients.

Millennials can experience great dental health for their future

It’s true that millennials desire to maintain a healthy lifestyle, while being a responsible consumer. The same is true when it comes to dental care.

With products such as discount dental plans and dental insurance plans, millennial patients can get access to great dental care when they need it.

Not only can younger patients find a plan that suits their values and lifestyle, they can responsibly plan for a healthy future.


Find affordable dental plans in your area

The post Do millennials need dental insurance? appeared first on EasyDentalQuotes.com.

]]>
https://www.easydentalquotes.com/do-millennials-need-dental-insurance/feed/ 0
Why are dental services so expensive? https://www.easydentalquotes.com/why-are-dental-services-so-expensive/ https://www.easydentalquotes.com/why-are-dental-services-so-expensive/#respond Fri, 02 Aug 2019 14:41:35 +0000 https://www.easydentalquotes.com/?p=4093 Dental costs are growing higher Do you find yourself questioning why certain things are so expensive? Whether it’s groceries, gas, or other essential services, the cost of living continues to rise in many areas across the country. The same is true of most dental services offered by dental providers across the country. There are a […]

The post Why are dental services so expensive? appeared first on EasyDentalQuotes.com.

]]>
Dental costs are growing higher

Do you find yourself questioning why certain things are so expensive? Whether it’s groceries, gas, or other essential services, the cost of living continues to rise in many areas across the country.

The same is true of most dental services offered by dental providers across the country. There are a number of reasons why the cost of care has increased, and we’ll take a look at several of these.

Dental costs will normally rise over time

It’s not always true that what goes up must come down. That may work with gravity, but certain economic trends can continue to rise over a sustained period of time. Just like many necessary services, the cost of dental services typically rise over time.

General inflation and economic conditions will affect most industries including dental. As the costs of supplies, equipment, labor, and real estate goes up, so do the charges for common dental procedures. Patients sometimes forget that dental providers have to run their business in a way to cover their costs. As their expenses go up, so does the cost of care by necessity.

Employee wage increases affect the cost of dental care

Everyone deserves a raise, right? Well it’s no different for your favorite dental hygienist or dentist. Great employees deserve to be rewarded, and dental practices have to find the right balance of wages versus business income. However labor costs can contribute to an increase in the cost of care.

As patients, we should desire great dental providers and only expect them to receive good wages. Great dental practices will typically grow their patient base too, and this can help offset some wage increases as well.

New dental technology and tools can increase costs

Another aspect of cost increases are related to dental equipment and technology. It’s only natural that certain tools and instruments will wear over time. Plus new dental technologies and tools frequently become available that can help dentists provide better patient care.

When dental practices invest in new equipment such as digital x-rays, improved oral devices, or ergonomic chairs, the costs must be covered by the services they perform. Most people like to go to nice dental offices, so dentists are forced to update their practice from time to time. This is just another reason why the cost of care can go up over time.

Great dental care is worth the cost

It helps to realize there are legitimate reasons why the cost of dental care can rise over time. While it’s true that dental care can be expensive, it’s most always worth the cost.

It’s hard to put a price on great dental care, especially if it can help to alleviate oral pain or other dental issues. Other tools such as dental insurance can also help lower the up front costs of dental care. Regardless of the costs, great dental care is worth it’s weight in gold.


Find affordable dental plans in your area

The post Why are dental services so expensive? appeared first on EasyDentalQuotes.com.

]]>
https://www.easydentalquotes.com/why-are-dental-services-so-expensive/feed/ 0
Poorly fit mouth guards can be counter productive https://www.easydentalquotes.com/poorly-fit-mouth-guards-can-be-counter-productive/ https://www.easydentalquotes.com/poorly-fit-mouth-guards-can-be-counter-productive/#respond Fri, 19 Jul 2019 15:36:15 +0000 https://www.easydentalquotes.com/?p=4087 Use a customized professional mouth guard for better results If you suffer from tooth grinding while you sleep, you may have thought about using a mouth guard. Mouth guards can be a great way to reduce the negative effects of grinding your teeth at night. However, you’ll want to be sure to use the correct […]

The post Poorly fit mouth guards can be counter productive appeared first on EasyDentalQuotes.com.

]]>
Use a customized professional mouth guard for better results

If you suffer from tooth grinding while you sleep, you may have thought about using a mouth guard. Mouth guards can be a great way to reduce the negative effects of grinding your teeth at night. However, you’ll want to be sure to use the correct type of mouth guard or you could make your issue worse.

Poorly fitted mouth guards can create problems

Some patients have sought to deal with tooth grinding by buying an off the shelf mouth guard that may not be designed for use while sleeping. There is a big difference between mouth guards designed for sports activities and those to be worn while sleeping.

Some sports mouth guards can have a bigger fit and are designed to protect the teeth and jaw from injury due to physical contact. Even though some of these guards allow you to fit them to your own bite, they are not recommended to use during sleep.

A mouth guard that is not properly fitted can actually increase the amount of grinding at night. If the guard is too large or poorly fitted, it can cause your jaw to clinch and chew on the guard. While the guard can help protect your teeth, it can also harm your jaw from increased grinding at night.

Get a professionally fitted mouth guard from your dentist

A custom fit mouth guard that’s provided by a dental office is always a much better solution for patients that are experiencing tooth grinding. These mouth guards are specifically designed to protect your teeth, while not increasing the amount of grinding while you sleep.

It’s important for your jaw to be set in the correct position while sleeping that will not encourage grinding. A properly fitted mouth guard can make a huge difference in your oral health and help improve your sleep.

Ask your dental provider about custom mouth guards

So if you’ve suspected that you may be grinding your teeth at night while sleeping, it’s a good idea to talk with your dentist about it. They can often check your mouth and see if there are effects of tooth grinding.

Then they could recommend the best type of mouth guard that could be a perfect fit for your mouth. While they may cost a bit more than an over the counter mouth guard, a custom fitted mouth guard from your dental provider can be the best solution to protect your mouth from tooth grinding.


Find affordable dental plans in your area

The post Poorly fit mouth guards can be counter productive appeared first on EasyDentalQuotes.com.

]]>
https://www.easydentalquotes.com/poorly-fit-mouth-guards-can-be-counter-productive/feed/ 0
Do essential oil or charcoal toothpastes have any benefits? https://www.easydentalquotes.com/do-essential-oil-or-charcoal-toothpastes-have-any-benefits/ https://www.easydentalquotes.com/do-essential-oil-or-charcoal-toothpastes-have-any-benefits/#respond Fri, 28 Jun 2019 14:24:36 +0000 https://www.easydentalquotes.com/?p=4079 Learn the benefits of organic oral care products If you pay attention to the marketing of new products on television or online, you’ve probably seen an onslaught of organic products. A growing number of people have sought the benefits of organic products and natural ingredients to help promote a healthy lifestyle. Now organic products including […]

The post Do essential oil or charcoal toothpastes have any benefits? appeared first on EasyDentalQuotes.com.

]]>
Learn the benefits of organic oral care products

If you pay attention to the marketing of new products on television or online, you’ve probably seen an onslaught of organic products. A growing number of people have sought the benefits of organic products and natural ingredients to help promote a healthy lifestyle. Now organic products including essential oils have also become available in various oral care products. We’ll take a look at the potential benefits of these new products such as essential oil and charcoal toothpastes.

Why choose organic dental products?

If you’ve wondered about the potential benefits of organic products, you’re not alone. There are a large and growing number of people who have whole heartedly embraced an organic lifestyle. By focusing on pure quality ingredients and avoiding synthetic, chemically based products, many have sought to be discerning consumers of organic sustainable products including oral care products.

Can organic oral care products have superior hygienic results?

When it comes to product results, often it will remain an open question subject to personal opinions. However by and large, many consumers have praised the benefits of organic products and the positive affect on their health and lifestyle.

The same is true with oral care products including toothpaste, dental floss, and mouthwash. While many people have different preferences for flavors, styles, and consistencies, there are many of fans of organic products such as essential oil and charcoal toothpastes.

Some popular brands include Thieves Aromabright Toothpaste by Young Living, Cali White Charcoal and Organic Coconut Oil toothpaste, and Colgate Essentials Charcoal Teeth Whitening Toothpaste. These popular products are widely available online and at local drug stores.

Essential Oil and charcoal oral products can give dramatic results

While results may vary, a local dental professional recently gave a first hand account of the benefits of organic dental products. The dental hygienist told of a recent patient who was having severe gum issues, and was in the preliminary stages of developing gingivitis and periodontal issues.

However the patient began a personal regimen of essential oil toothpaste with mouthwash and over a relatively short period of time saw a reversal of the negative oral conditions in their mouth. The patient was actual able to avoid some costly dental procedures by kicking their daily personal dental care into high gear with organic dental products.

It can be worthwhile to try organic dental products

If you’re looking to improve your oral health or just want to try different oral care products, it can’t hurt to sample a few organic dental products. There are wide array of quality options available on Amazon or at local retailers.

You can also ask your local dental professionals for any specific product recommendations. While the cost can be a bit more than traditional options, organic oral care products might be worth trying in order to give you a healthier smile.


Find affordable dental plans in your area

The post Do essential oil or charcoal toothpastes have any benefits? appeared first on EasyDentalQuotes.com.

]]>
https://www.easydentalquotes.com/do-essential-oil-or-charcoal-toothpastes-have-any-benefits/feed/ 0
Have you delayed going to see the dentist? Schedule an appointment today. https://www.easydentalquotes.com/have-you-delayed-going-to-see-the-dentist-schedule-an-appointment-today/ https://www.easydentalquotes.com/have-you-delayed-going-to-see-the-dentist-schedule-an-appointment-today/#respond Fri, 31 May 2019 14:38:42 +0000 https://www.easydentalquotes.com/?p=4070 Don’t avoid going to the dentist… it can make your life better Have you been avoiding the dentist? You’re not alone. It’s extremely common to be wary of a trip to the dental office. However, the longer you delay a visit to your dental provider, it can lead to more problems in the future. Find […]

The post Have you delayed going to see the dentist? Schedule an appointment today. appeared first on EasyDentalQuotes.com.

]]>
Don’t avoid going to the dentist… it can make your life better

Have you been avoiding the dentist? You’re not alone. It’s extremely common to be wary of a trip to the dental office. However, the longer you delay a visit to your dental provider, it can lead to more problems in the future. Find out why it’s getting easier to get great pain free care with modern dental providers.

Delaying dental cleanings can lead to oral issues

It’s easy to put off going to the dentist. Just like eating right or exercising, trips to the dentist can be a common thing to procrastinate. Even if you don’t have an extreme fear of getting dental work, many people do not get professional oral care on a consistent basis.

One big problem with a lack of professional dental care is that common oral issues can be left untreated and lead to more severe conditions. Even if you brush your teeth daily, the build up of plaque and tartar can erode your gums and lead to a variety of issues including cavities, tooth sensitivity, gingivitis, oral bleeding, bone loss, and other dental issues. Many of these common conditions can be easily treated when identified early on by your dentist.

Modern dental care has become easier for patients

Depending on how long it’s been since you visited the dentist, things have probably changed a lot… for the better. Just like most areas of life, technology has made the dental world a more enjoyable place for patients. Many dental practices utilize innovative technology to help improve their patient care.

Services like digital x-rays, advanced oral tools like water piks, and better solutions like dental implants have made a great impact on modern dental practices.

Patient care has also improved with better customer focused services to make your experience better. Comfortable dental chairs with tv’s to watch while being treated can help take your mind off the work that’s being performed. In some cases, it can even be a relaxing time spent away from work.

Dental insurance is more accessible than ever to give access to dental care

Another common excuse for not seeing the dentist is a lack of dental insurance. If you don’t have access to dental coverage through your employer, there are a wide variety of great options in the private dental market. You can choose from a host of affordable plan options to obtain the dental care that you need.

Online web brokers including EasyDentalQuotes.com can give free quotes to compare dental plans, rates, and coverage for dentists in your area. Getting great dental coverage helps to remove another obstacle to seeing the dentist.

Regular dental care has multiplying rewards

There are many reasons why people avoid going to the dentist, but the benefits of getting regular dental care far out weigh any negatives. Most dental professionals recommend visiting a local dental provider every six months for routine check ups and professional cleanings.

Most dental insurance plans also include routine dental care with 100% coverage. Taking advantage of your dental benefits is just another benefit of getting frequent oral care that can help you maintain great oral health.

So don’t delay seeing the dentist any longer. It’s as easy as finding the right dental plan, and scheduling your appointment to get your oral health back on track. Then with consistent visits every six months, you can quickly access a lifestyle of great oral hygiene that will keep you smiling for years to come.


Find plans for dentists in your area

The post Have you delayed going to see the dentist? Schedule an appointment today. appeared first on EasyDentalQuotes.com.

]]>
https://www.easydentalquotes.com/have-you-delayed-going-to-see-the-dentist-schedule-an-appointment-today/feed/ 0
What’s the difference between a deductible and copay? https://www.easydentalquotes.com/whats-the-difference-between-a-deductible-and-copay/ https://www.easydentalquotes.com/whats-the-difference-between-a-deductible-and-copay/#respond Fri, 17 May 2019 14:55:33 +0000 https://www.easydentalquotes.com/?p=4064 Insurance deductibles and copays explained Insurance can be confusing. It’s no surprise that people can be easily confused between common insurance terms. For example, deductibles and copays are often mistaken to be the same thing. We’ll take a look to explain the difference between insurance deductibles and copays. Insurance deductibles are met first Most insurance […]

The post What’s the difference between a deductible and copay? appeared first on EasyDentalQuotes.com.

]]>
Insurance deductibles and copays explained

Insurance can be confusing. It’s no surprise that people can be easily confused between common insurance terms. For example, deductibles and copays are often mistaken to be the same thing. We’ll take a look to explain the difference between insurance deductibles and copays.

Insurance deductibles are met first

Most insurance policies will include a deductible. In common terms, a deductible is the amount that a member must pay before an insurance plan will begin to make its payment for covered services. Deductibles can be as small as a few hundred dollars or as much as several thousand dollars depending on the type of insurance policy you have.

For example, if your policy has a $500 deductible, you’ll be responsible to pay the first $500 of charges to meet your deductible. Then your plan will kick in to pay its portion of the claim.

Insurance copays are paid for specific services

Insurance copays are different than deductibles. Depending on the type of plan, a copay is a set amount that you are responsible to pay for a specific covered service.

Another way to think about it is a co-payment. You pay your copay and the insurance company will also pay its amount towards a specific covered service. Copays are often smaller amounts such as $30 or $50 for doctors visits or for prescription drugs.

Deductible and copay timing

Insurance deductibles are typically met just once during a calendar year. So you meet you deductible once, but insurance copays can continue indefinitely depending on the type of plan you have.

With copays, your deductible doesn’t have to be met for you to use your plan’s copay feature. Copays are usually separate from deductibles and are accumulated on a per service or per visit basis.

Some insurance plans can include both a deductible and copays. With medical plans, deductibles can be applied towards big ticket items like hospital stays or surgeries, while copays are used for routine items like doctors visits and the pharmacy. These are typically broken down on your Explanation of Benefits.

Understanding your insurance benefits

So it’s actually not that hard to understand deductibles and copays. Remember that deductibles are usually larger amounts for bigger items that is met once a year. Copays are for smaller amounts and can continue on a per service or per visit basis. Once you’ve got these two items down, you’ll be much better at understanding your insurance benefits.


Find dental plans in your area

The post What’s the difference between a deductible and copay? appeared first on EasyDentalQuotes.com.

]]>
https://www.easydentalquotes.com/whats-the-difference-between-a-deductible-and-copay/feed/ 0
How to find child only dental plans https://www.easydentalquotes.com/how-to-find-child-only-dental-plans/ https://www.easydentalquotes.com/how-to-find-child-only-dental-plans/#respond Fri, 19 Apr 2019 15:36:28 +0000 https://www.easydentalquotes.com/?p=4054 Child only dental plans for kids Are you looking for a child only dental plan? If you already have dental coverage for yourself and just need a dental plan for your minor children, a child only dental plan can meet your child’s dental care needs. While pediatric dental plans can be harder to find, we […]

The post How to find child only dental plans appeared first on EasyDentalQuotes.com.

]]>
Child only dental plans for kids

Are you looking for a child only dental plan? If you already have dental coverage for yourself and just need a dental plan for your minor children, a child only dental plan can meet your child’s dental care needs. While pediatric dental plans can be harder to find, we are pleased to be able to offer you some good options and advice for finding the right solution to your unique situation.

Do most dental plans cover children?

So what’s the deal with child only dental plans? Don’t all dental insurance plans cover kids? It’s true that most dental plans will cover minor children, however most plans require the primary policy holder to be 18 or older.

Since most dental plans require an adult to be on the plan, it can be a challenge to find a dental plan that allows the primary member to be a minor under the age of 18. The good news is that there are dental plan options for children.

Child only dental plans

At EasyDentalQuotes, we’re pleased to offer several dental plan options that allow for child only policies. Currently dental plans with Amfirst Insurance, Standard Life Insurance Co, and Dentegra offer a child only enrollment feature.

Since child only plans require an adult to handle the enrollment and payment for the child policyholders, we recommend that prospective members contact us directly to learn the best steps to enroll any dependent children in a plan.

Consider dual dental coverage for parents

While there are some good options for child only dental plans, it sometimes makes sense for at least one parent to sign up for a plan as the primary member, even if they already have other dental coverage.

Most dental insurance plans allow for coordination of benefits that allow members to carry secondary dental insurance. If you already have dental coverage through an employer, then you could also carry additional dental coverage for you and your children to get extra benefits.

This strategy allows you to consider more dental carriers and plan options than the ones that offer child only policies. Plus depending on the size of your family, there might not be any additional cost to cover yourself.

Get the best dental care for your children

It’s true that most parents recognize the need to make sure their kids get proper dental care. When parents already have other dental coverage, child only dental plans can be a great fit to give your kids the dental coverage they need. At EasyDentalQuotes, we’re here to help you find the right plan options to meet your pediatric dental needs.


Find dental plans in your area

The post How to find child only dental plans appeared first on EasyDentalQuotes.com.

]]>
https://www.easydentalquotes.com/how-to-find-child-only-dental-plans/feed/ 0
How would Medicare for All affect dental insurance? https://www.easydentalquotes.com/how-would-medicare-for-all-affect-dental-insurance/ https://www.easydentalquotes.com/how-would-medicare-for-all-affect-dental-insurance/#respond Fri, 29 Mar 2019 15:16:01 +0000 https://www.easydentalquotes.com/?p=4049 Learn how Medicare for All could affect dental plans It’s that time again, campaign season for the upcoming elections in 2020. As we approach the election season, there are many presidential candidates and members of Congress who are supporting a new Medicare for All program. We’ll take a brief look at what is proposed and […]

The post How would Medicare for All affect dental insurance? appeared first on EasyDentalQuotes.com.

]]>
Learn how Medicare for All could affect dental plans

It’s that time again, campaign season for the upcoming elections in 2020. As we approach the election season, there are many presidential candidates and members of Congress who are supporting a new Medicare for All program. We’ll take a brief look at what is proposed and how it could affect dental care.

What is Medicare for All?

The term “Medicare-for-All” was made prominent by Senator Bernie Sanders as he has lobbied for a single payer system for medical that would create universal health coverage. After Democrats took control of the House of Representatives in 2018, Congressional leaders have also introduced their own version of a Medicare for All bill.

While there are differences in the two versions of the bill, this proposed legislation is designed to enroll all US citizens in the Medicare program that currently covers seniors who are aged 65 or older. This would result in the elimination of the private health insurance system, while turning over control of medical coverage to the federal government. All US residents would be eligible for the program.

Does “Medicare for All” include dental?

What about dental care? The current version of Medicare that covers seniors 65 and older does not include coverage for routine dental care. However the new versions of a Medicare for All program envision a much more robust set of benefits and services including dental care.

The covered services include most necessary medical care with no deductibles, copays, or cost sharing. The bill also proposes to include benefits for dental, vision, and hearing care, which are not covered services in the current Medicare program.

Obviously if the Medicare-for-All bill were to gain enough support become law, then it would likely disrupt the dental insurance market as the government would take over the financing of routine dental care. However we don’t know the specifics of what dental services the program would cover and at what levels.

While the current versions of the legislation include dental coverage, it is entirely possible this could be adjusted in the future, especially if cost cutting to the program is needed in order to win support for the bill.

Will Medicare-for-All be passed?

Currently the support for “Medicare for All” has been strictly in the Democratic Party. Republican leaders have favored reforms to the existing private healthcare markets. It is clear that this will be a major topic for presidential and congressional candidates in the upcoming elections. The result will be that the party who wins future elections will be more likely to implement their healthcare agenda into law.

However there is one other major obstacle that may prove to be the deciding factor in any single payer medical program. It is the cost of a Medicare for All program. Some early projections have estimated that the program could cost as much as $32 trillion over 10 years. In terms of government programs, that is a very large number.

Rough estimates also dictate that any large scale federal healthcare program would require an increase in taxes, which could erode support for the bill with voters. How the American people respond regarding these factors will ultimately determine the fate of any single payer government program.

What’s next for Medicare for All?

While there are many opinions on both sides of this political argument, it is an idea that is being discussed in many circles and needs to be fully considered due to the huge ramifications that it would entail. It is still early days, but the topic deserves a full debate of the possible effects it could have over one fifth of the US economy.

We’ll continue to monitor the progress and discussion surrounding Medicare for All. As presidential candidates including Senator’s Bernie Sanders, Kamala Harris, Elizabeth Warren, Corey Booker, Kristen Gillibrand and others tout the benefits of Medicare for All, the public will be able to form their own opinions regarding the proposed program.

One thing is for sure, the issue of healthcare, will continue to be a big topic of conversation in the country, especially during the upcoming election season.


Find dental plans in your area

The post How would Medicare for All affect dental insurance? appeared first on EasyDentalQuotes.com.

]]>
https://www.easydentalquotes.com/how-would-medicare-for-all-affect-dental-insurance/feed/ 0
What is a deductible? https://www.easydentalquotes.com/what-is-a-deductible/ https://www.easydentalquotes.com/what-is-a-deductible/#respond Fri, 01 Mar 2019 15:41:45 +0000 https://www.easydentalquotes.com/?p=4046 Learn more about insurance deductibles If you’ve ever had an insurance policy or are even somewhat familiar with insurance plans, you’ve probably heard the term deductible. Even though it may be a familiar term, many people are still confused on what an insurance deductible is. We’ll try to bring some clarity to this basic insurance […]

The post What is a deductible? appeared first on EasyDentalQuotes.com.

]]>
Learn more about insurance deductibles

If you’ve ever had an insurance policy or are even somewhat familiar with insurance plans, you’ve probably heard the term deductible. Even though it may be a familiar term, many people are still confused on what an insurance deductible is. We’ll try to bring some clarity to this basic insurance concept.

Insurance deductibles… defined

In basic terms, a deductible is an upfront payment that you have to make before an insurance policy “kicks in” to pay. More specifically, an insurance deductible is the specified amount that an insured member must pay before an insurance company will make a payment towards their portion of a claim according to the insurance policy provisions.

So think of it this way. If your insurance policy includes a deductible, this is the amount that you’ll have to pay up front to the doctor, dentist, or repair shop before your insurance plan will pay it’s part of the claim. In the order of payments, deductibles come first, and then insurance payments come afterwards.

Deductibles can affect your monthly premiums

With most insurance policies including medical, dental, auto, and homeowners, deductibles are common insurance tools to help offset the risk for an insurance company. This can also help lower the cost of monthly premiums for the member. Typically the higher the upfront deductible, the lower the monthly premium will be. Conversely, the lower the deductible, the higher the monthly premium can be.

Depending on the type of insurance, deductibles can range anywhere from $50 on some dental plans, all the way up to $5000 or more for some medical plans. Typically the lower the deductible amount, the better it is for the member. Although the member may have higher premiums in order to receive the lower deductible.

Prepare to meet any deductible expenses

If you have insurance plans with deductibles, it’s a good idea to set aside enough money to meet your deductibles if needed. While many insurance events are unexpected, it can be a good thing to have money in savings that you can use to pay your deducible amounts.

Many people call these types of savings rainy day funds. By planning ahead you can help take the stress out of unexpected events that could trigger your insurance deductible.

Deductibles aren’t a bad thing

Even though most people would prefer for an insurance company to simply cover all eligible charges, this would make insurance extremely expensive. Because insurance is a transfer of risk, tools such as deductibles help share risk between an insured member and the insurance company.

As we mentioned before, many insurance plans give multiple deductible options for customers to choose from so they can find the best fit for their situation. One size usually doesn’t fit everyone, so you can often select the best deductible to fit your budget and your expected risk.

Deductibles can be easy to understand

As you can see, deductibles really aren’t that complicated. Just remember you have to pay your deductible first before your insurance plan with pays it’s part.

If you’ve already set some money aside, you don’t even have to worry when unexpected events happen. Then you can meet your deductible and allow the insurance plan to pay it’s portion. It sure is a lot better than having to pay the full bill yourself.


Find PPO dental plans to see any dentist

The post What is a deductible? appeared first on EasyDentalQuotes.com.

]]>
https://www.easydentalquotes.com/what-is-a-deductible/feed/ 0