Three Big Reasons Why Dental Insurance Is Not A Good Deal

There are some insurance agents out there gritting their teeth and shaking in their boots right now, but I don’t care. It’s time everyone knew the truth about dental insurance plans. You see, most people are under the impression that they can put off seeing a dentist until they feel that it’s absolutely necessary and then they’ll be able to call up their insurance agent, grab a new dental insurance policy, see the dentist, file the claim and live happily ever after. Is this what you think? Have you been deceived too? Don’t feel bad because most people have been. Here are three reasons that dental insurance is not a good deal.

#1. Dental insurance is no different than any other type of insurance. It does not cover anything that is considered to be pre-existing at the time that you bought the policy. This means that if you buy an insurance policy today, see a dentist and get your teeth worked on that your claim will be denied and you’ll have to pay 100% of the costs, unless it’s an appointment for basic care, such as cleaning, but even then you’ll have to pay your annual deductible and co-pay.

#2. Cosmetic dentistry, such as teeth whitening, dentures, orthodontics and other dentistry that has to do with improving your personal appearance, is not covered in a standard insurance policy. Teeth whitening may seem like a luxury, but not having any dentures to chew your food with is a problem for many individuals, especially many of our seniors who can’t possibly pay full price for them.

What about braces for a child that desperately needs them , but their parents are on a limited budget? In order to have any type of expensive orthodontics care covered you would have to buy an expensive policy called “orthodontics insurance”. These plans are limited and most still won’t pay more than 50% of the costs. You’ll still be responsible for your deductible and co-pay also. Are you beginning to see my point?

#3. Here is the big kicker. Most dental insurance plans will only pay an annual maximum of $1000-$2000.00. In other words, after you’ve paid up your annual deductible for the year you can only expect to get $1000-$2000.00 worth of assistance from your insurance company, after that you’ll be paying 100% of the costs yourself. Many people pay thousands of dollars into their policies over the years without ever having to use them to this extent and then get the news when they need the dental care most. I’m telling you right now that dental insurance is not the way to go for dental care.

If you need to buy a dental plan for an individual or family, your best, most reliable option is to buy a discount dental plan instead of insurance. Discount plans simply offer big discounts on both preventive care and major dental, including pre-existing conditions, dentures, braces and more. You simply need to visit a participating dentist anywhere in the USA and pay them in full at the time of your visit. You will save as much as 60% when you visit the dentist and the costs will be predetermined before the work is ever done, so you don’t get any hidden surprises.

Don’t waste your money on dental insurance anymore. Do a bit of research and you’ll know that what I’m saying is a fact, not fiction. After you do that grab a discount dental plan and start saving money.

Good Dental Care At Home Can Keep Your Teeth Looking Bright!

Using a good quality toothbrush and toothpaste can help keep your smile bright!

When we talk about dental care many people think about that trip to the dentists every 6 months. You DO go to the dentist regularly don’t you? OK, may of us don’t because of the time involved or expense. The second best way to protect your teeth is to follow a regular dental care regimen at home. This would include not only brushing your teeth with a quality toothbrush but also using some type of dentifrice or toothpaste and regular use of dental floss. Flossing is probably the least used but most effective way to clean areas of your teeth that cannot be reached with brushing alone.

Toothpaste is a paste used, almost always in conjunction with a tooth brush, to clean teeth. Good oral hygiene demands consistent brushing on a daily basis preferably after each meal. The first reference to toothpaste was found believe it or not in Egyptian writings. Toothpaste back then was probably a mixture of spices like sale and peppermint and probably some herbs. Although not exactly our idea of good tasting, it was most likely very effective for keeping down the decaying food particles and was considered good basic dental care of the day.

In the late 1800’s, toothpaste and dental care become a growth industry for many smaller companies. Oral hygiene of the day was a mixture of chalk and various salts designed more as an abrasive to scrape off plaque than make your mouth clean. We now know that these types of toothpastes or powders actually damaged teeth because of the abrasive nature of the ingredients. The abrasiveness scraped and damaged the enamel coating that protected teeth and left them more vulnerable to decay and plaque build up.

By 1900, baking soda made it’s way into commercial toothpaste products along with a small amount of hydrogen peroxide solution. This was probably the very beginnings of teeth whitening products for the mass market. Although actual tooth cleaning pastes were first marketed in the 19th century, it was not very popular until the mid 1900’s. The Colgate & Company manufactured toothpaste in the first collapsible tube, similar to the tubes we use today. These were actually the first products that had the basic compounds to brighten and whiten teethHydrogen peroxide, although in higher concentrations is being used today to remove staining and whiten teeth. Although tooth powders, a pre cursor product to toothpaste didn’t show up on the market until this time, it wasn’t until the mid 1950-1960 that modern toothpaste that we recognize became the teeth cleaner of choice.

Fluoride started to be added to toothpastes in the 1950 and 1960’s. Fluoride is still controversial due to the claimed “dangers” of anything chemical. Although fluoride is not good for people in large quantities, it’s a fact that as fluoride has been added to the nations water supply, the number of cavities in children has dropped dramatically. Of course, there’s little doubt that fluoride has been instrumental in lowering the number of dental cavities.

Like many shampoos, healthier ingredients (such as baking soda, pseudo-mouthwash etc) are often combined into base mixes of varying qualities and marketed as being beneficial. Toothpaste is most commonly sold in flexible tubes, although one may also purchase it in hard plastic containers with pumps. Packages designed to stand straight up, so as to allow more of the toothpaste to be used, are a relatively recent innovation. You only need a little toothpaste to get the job done however. Remember that the toothpaste manufacturers have an interest in getting you to overuse their product, making more purchases likely. A pea sized amount is more than enough to do a good job brushing your teeth.

Toothpaste comes in a variety of flavors, with those marketed to kids! Tasting like orange, cinnamon and bubblegum. Taste has nothing to do with the quality of the product however but may get some people and children to brush longer. So for a good brushing, use a quality toothpaste and soft bristle brush. Your teeth and gums will thank you!