DENTAL BLOG

Many people are tightening their purse strings today, cutting unnecessary costs to save money. While oral health may not be top of mind, it’s an essential part of overall health and shouldn’t be sacrificed for the sake of budget.Putting off certain dental treatments can cause existing conditions or damage to progress, costing you more in the long run.Continue reading to learn how costs vary for dental care and ways to make care more manageable for your wallet. What can you do to help keep dental costs down?Surprises and unpredictable circumstances can happen, but there are ways you can be proactive and try to prevent high dental care costs, including:Practicing good oral hygiene: Brush and floss daily and moderate your sugar consumption to keep teeth clean.Visit your dentist: Attend regular dental appointments (typically twice a year) to identify and prevent extensive damage or disease.Protect your teeth: Wear a mouthguard when participating in sports or activities that could cause injury or damage.Strategize a treatment plan: Opt for cheaper temporary treatments until you can afford pricier procedures, or spread treatments out over time (with recommendations from your dentist!).Enroll in dental insurance: Most dental insurance plans help to cover some of the costs of more extensive restorative procedures like crowns and fillings.Why are there different prices for dental procedures?Costs for dental care can vary based on a number of factors, the first being the type of procedure: preventive, basic or major. Preventive treatments like routine cleanings and x-rays are less expensive than extensive treatments like root canals and crowns. This is due to the time and equipment required to perform different procedures. Prices can vary from one dentist to another, too. Dentists charge for services based on where they’re located, market prices and the cost of doing business (rent, insurance, staff payroll, supplies, etc.). If you’re concerned about costs, compare different dentists in your area, taking into account the procedures you’ll need done in the foreseeable future. Can you get dental care without insurance?Most insurance plans cover cleanings and exams 100%, and other care between 20% and 50%. The downside for some is the monthly premium owed to stay enrolled in a dental plan. You can get any dental procedure without insurance — but this means paying for everything, from preventive cleanings all the way to oral surgery, in full. Dental savings plans are another option for lowering costs, which offer discounts on various services for an annual fee. Shop affordable dental insuranceDental insurance is a cost-effective way to take care of your teeth and gums without having too much of an impact on your finances. With the Direct Benefits marketplace, you can find plans in your area that meet your needs and budget. Take care of yourself and your family and get a quote to browse and compare dental insurance today.

There are many options when it comes to choosing a dental insurance plan. Full coverage may seem self-explanatory, but it’s more complex than you may think. Continue reading to learn more about what full coverage dental insurance means, what is—and isn’t—covered, how much plans cost and how to find a plan with no waiting period. What is full coverage dental insurance? Full coverage dental insurance plans help to lower the costs of a broader set of dental treatments. Where basic insurance policies cover preventive care and partially cover extractions, fillings and other procedures, full coverage helps to further reduce out-of-pocket costs for major care.  What does full coverage dental insurance cover? Typically, full coverage dental insurance covers: Preventive care: Most plans cover services like cleanings and routine x-rays in full. Basic care: Fillings, root canals, and extractions  Major care: Crowns, bridges and oral surgery Orthodontic care: Braces, spacers and other teeth aligners may also be partially covered under your plan.   It’s important to review the details of your plan to understand what treatments are covered so you can make informed decisions about your dental care.  What isn’t covered by full coverage dental plans? Full coverage doesn’t mean every service is covered by your plan. You may be responsible for paying out-of-pocket costs for cosmetic care and elective procedures like: Whitening treatments Veneers Dental implants Composite tooth bonding Dental inlays and onlays   Your dentist can provide pricing specifics so you know what to expect to pay for these types of treatments.    Can you get full coverage dental insurance with no waiting period? Most dental plans—from basic to full coverage—provide benefits for preventive care immediately. But it can take months or even a full year before additional coverage kicks in. Fortunately, there are policies available from the Direct Benefits Marketplace that have no waiting periods, meaning you get care you need right away, no matter how extensive the treatment.  How much does full coverage dental insurance cost? The amount you can expect to pay for dental coverage and care depends on a lot of factors, including where you live and the insurance provider you choose.  Premium: Your plan’s monthly cost. Co-pay: The amount you will pay toward treatment. Coinsurance: The percentage of costs you will share with your plan once you’ve met your deductible.   Keep in mind that most plans also have both a deductible and an annual maximum. The deductible is the amount you must pay for treatments before plan coverage steps in. The annual maximum is the amount your plan will cover total each year. How do I choose an affordable full coverage dental plan? When browsing full coverage dental plans, make sure you keep these details in mind:   The dental care you and your dependents need Differences in cost and coverage between PPOs, HMOs and other plans Costs — not just monthly premiums, but co-pays, deductibles and other price factors Direct Benefits is your go-to marketplace for finding dental insurance plans in your area that meet your health and budget needs. Run a dental quote today and shop plans easily!

It’s important to have dental insurance coverage to keep yourself and your family healthy. However, most people don’t put the same time and consideration into choosing a dental plan as they do for medical insurance.  The first step in finding the right plan is to understand the different components that make up dental insurance policies. In this post, we will define what annual maximums are and why they are important in your search. What is a dental insurance annual maximum? Most dental insurance plans have a designated annual maximum—which refers to the total amount your dental insurance policy will pay for dental services on your behalf over the course of the 12-month benefit period.  The average dental annual maximum typically falls between $1,000 and $2,000. Whatever the amount, it will reset at the beginning of each new benefit period. What counts toward an annual maximum? Preventive care and diagnostics (cleanings, exams, routine x-rays) may not count toward your annual maximum, but the following do:    Cavity fillings Root canals Crowns Extractions Other surgeries    Speak to your dentist or contact your dental insurance carrier to understand what does and doesn’t contribute toward your maximum. What happens when you reach your dental plan’s annual maximum? While a maximum of a couple thousand dollars seems like a lot, dental costs can add up quickly if you require extensive care. For instance, a root canal can reach about $1,000 per tooth, and a single crown can cost anywhere between $750 and $2,000. One or two of these treatments could have you reaching your maximum within just a few months. Once you’ve reached your annual maximum, you’re responsible for 100% of the cost of any other dental services you receive in that benefit year. So, it’s important to plan accordingly to keep costs down. What does no annual maximum mean? It may seem too good to be true, but “no annual maximum” means just that. If you enroll in a dental insurance policy with no annual maximum, there is no limit on what the provider will cover—they will pay out for all care that qualifies based on the details of your plan. Which dental insurance has the highest annual maximum? Policy maximums differ between and even within providers, but we’ve got some of the best options below.*    California Dental Network: Unlimited Delta Dental for Everyone: Up to $2,000 Denali Dental & Vision: up to $6,000 Renaissance: up to $3,00 Spirit Dental & Vision: Up to $5,000   *Look through the details of your plan to confirm your annual maximum. Remember that while a high maximum is desirable, consider other dental care costs that may be involved as you shop for plans, like copays, deductibles, waiting periods and overall coverage. Find a high annual maximum plan in the Direct Benefits Marketplace Don’t spend hours finding the right plan with a high annual maximum. With some basic information the click of a button, Direct Benefits shows you the best policies in your area.  Browse our marketplace and get access to quality care for you and your family. Get a quote on directbenefits.com today. 

Enrolling yourself and your family in a dental insurance plan is an important investment in everyone’s health and wellbeing. However, with so many options, choosing the right policy can often be confusing and overwhelming. We break down what factors to consider when browsing dental insurance plans. Understanding dental insurance Dental insurance is a separate policy from your general health insurance that helps cover, either partially or in full, dental care and procedures from routine cleanings and exams to fillings, dental crowns and more.  An individual may enroll in a dental insurance plan offered by their employer, as a dependent on a spouse’s plan, or on their own.  What to consider when comparing dental plans As you begin evaluating different plans, it’s important to: Understand the types of dental insurance available Consider your oral health needs Determine your dental insurance budget Decide what dentist you want to see Assess coverage offered by different plans Understand the different types of dental insurance Before evaluating and comparing plans, it’s important to understand how different types of dental plans work: Dental PPOs have a large network of dentists, and also generally allow you to see someone out of network. But it comes at a cost; PPOs tend to have a higher out-of-pocket cost, require you to meet a deductible and limit how much they’re willing to cover. Dental HMOs require you to see in-network dentists, and typically have limited networks. However, most DHMOs have a lower premium and no deductible — and usually, no annual maximum.  Finally, discount plans offer memberships for an annual fee (rather than a monthly premium). Members have a dental discount card which is presented at each dental visit to get lower prices on care and treatments. Out-of-pocket costs are paid directly to the dentist.  Consider your dental care needs Most dental insurance policies cover routine cleanings and exams, but offer different levels of coverage for more extensive procedures and treatments. If historically, you’ve required little more than cleanings and x-rays, it may make sense to opt for a more basic plan. However, if you need more extensive dental work like a root canal, a full coverage plan will likely save you money on care over time.  If you are married and/or have children, take into account the needs of the other members of your family. Young children may need braces or aligners at some point, or require fillings from poor brushing. As a result, opting for a policy with more coverage might be wise. Determine a budget Take a look at your finances and determine how much you’re able to spend for dental coverage over the course of a year. Remember that in addition to the monthly premium, there will be a copay and deductibles to meet that should be factored in. Review dental costs you’ve paid over recent years to set a realistic budget for your needs.   Decide if you want to keep your current dentist Love your dentist and don’t want to make the switch to a new one? Some plans charge more for out-of-network dentists, so check plan details and talk with your dental office to ensure you’ll be covered (either partially or in full) for any procedures performed there.  Assess the coverage offered by the plans you’re considering Finally, look at coverage specifics, including what treatments are covered and how much insurance will pay versus how much you’ll pay for various procedures. Also important to consider: Waiting period: Some plans require members to wait six or 12 months before undergoing major dental procedures.  Annual maximum: The total amount a plan will pay toward dental care over a 12-month period.   These details should be clearly explained on the carrier’s website. Don’t enroll in a plan until you’re confident about about the coverage. If you have questions, look for a support phone number or even the chance to chat online with a representative. If you have questions while shopping with Direct Benefits, our Direct +Connect team is standing by!    Compare dental insurance plans from Direct Benefits The simplest way to compare dental insurance plans in your area? Direct Benefits takes your information to display the policies that will help keep you and your family healthy while keeping costs down. Explore our marketplace to find the best plan for you.

Dental insurance provides patients with quality care at a low or no cost. How a specific policy works depends on the carrier, coverage, and area you live in.  Continue reading to learn more about dental insurance and how to find a plan that fits your needs.   What is dental insurance? Dental insurance refers to policies that offer coverage for oral care services, from preventative exams and cleanings to more complex procedures like cavity fillings and crowns. Few medical insurance plans include dental insurance, so you must enroll in a dental plan separately.  How does dental insurance work? Similarly to medical insurance, staying enrolled in a dental plan requires paying a monthly premium—or having it deducted from a paycheck, if you’re insured through your employer.  Different carriers and types of plans cover different procedures and treatments, broken down by preventative, restorative, and orthodontic care (more on this below). Preventative care is typically covered in full, while others may be partially covered or not covered at all. Look through the specifics of your plan and contact customer service if you have any questions. It’s important to know what you’re paying for! Also, some dental plans require you to select a primary dentist that is in network, which will require some further digging. If you already have a preferred practitioner, they should be able to tell you what insurance they take.  Types of dental insurance plans There are several types of dental plans, including: Preferred Provider Organization (PPO): This type of plan has contracts with a network of dentists, who provide services for an agreed cost. Dental Health Maintenance Organization (DHMO): This type of plan has contracted dentists, each of which has a certain “prepaid” amount per month for every patient. Direct reimbursement: This is a self-funded plan that allows patients to see their preferred dentist, where they will pay for services out of pocket then submit a receipt for full or partial reimbursement. Indemnity plan: This type of plan is where the insurance company pays claims based on what procedures are performed, allowing members to go to the dentist of their choice. Dental insurance premiums Your insurance premium is the amount you pay monthly to stay enrolled in your policy. Plans can run anywhere between $20 and $50 or more, all depending on where you live and the coverage you choose. Full coverage will come with a higher premium.  Dental insurance networks Depending on your insurance carrier and plan, you may be required to see dentists that are in-network. If you see a dentist that’s out-of-network, you’ll be responsible for paying for care. Prior to making a dental appointment, check the details of your plan to determine whether you have flexibility in what dentists you see, and to ensure a certain provider is in-network. Dental insurance waiting periods Some dental plans have a waiting period, where you have to wait up to six months from enrolling for coverage to kick in. You’ll be covered for preventative exams and care during that time, but more extensive treatment or procedures may not be covered. Dental insurance deductibles, copays and coinsurance While dental insurance provides coverage for a variety of oral health services, there are some out-of-pocket costs holders may incur, such as: Deductible: A set dollar amount you must meet for non-preventative care before your dental plan kicks in to assist. Most plans cover preventative care 100%. Copay: Fees you pay when you visit the dentist for care, typically paid at the time of your appointment. Coinsurance: How costs are shared between you and your plan once the deductible is met, shown as a percentage of what you will pay vs. what your plan will pay. Dental annual maximums Most dental insurance plans have a maximum, which is the most the plan will pay for dental care each year. Beyond this maximum figure, you will be responsible for paying for any care out of pocket. What does dental insurance cover? Plans can be categorized by what they cover: preventative care, restorative care and orthodontic services. The most basic plans cover routine exams, cleaning and X-rays. For a higher monthly premium, some plans will cover restorative care, like cavity fillings, tooth extractions, crowns, bridges and other procedures. Full coverage plans may also cover orthodontic services, which include teeth alignment treatments like braces, aligners and retainers. These are typically part of oral health for children and teens. What isn’t covered by dental insurance? Just like with medical insurance, elective or cosmetic procedures are not covered by dental insurance. This includes treatments like teeth whitening and veneers — while they may make you feel better physically and emotionally, they’re not considered medically necessary, so you’ll have to pay out of pocket. Additionally, some major work and orthodontics, including removable aligners and retainers, may not be covered, depending on your plan. Plan ahead and look through details of various insurance plans to make sure you and your family are covered now and in the future. What are the benefits of dental insurance? Dental insurance provides many advantages. With preventative care covered and lower out-of-pocket costs for more extensive treatments, you can keep your smile healthy without spending hundreds of dollars. Enroll in a plan and never skip the dentist for fear of overpaying again.  How to get dental insurance The best way to find the right dental insurance policy for you is to compare offerings from different carriers. Direct Benefits makes it easy. Browse available plans in your area and enroll with no waiting period!

Individuals over the age of 55 are likely concerned with their general health insurance plans, ensuring the care, treatments and medications that they need to live their lives comfortably are covered.  But, what about dental insurance? Although we know how important it is to care for our teeth and gums, why are they considered as less of a priority?  Oral health is always essential — but even more so as we age. Seniors should be able to practice proper dental care without concern about cost. Below we discuss what is covered by dental insurance, the various plans available and how much dental insurance costs for seniors.   Dental insurance overview Dental insurance, while somewhat similar to regular health insurance, has some specific differences. Enrolling in a dental insurance plan means you pay a monthly premium that typically covers preventative care and emergencies in full, as well as a deductible you must meet for more extensive treatments and procedures. But dental insurance differs from traditional insurance in terms of monthly costs, how much coverage is provided and how the coverage works (all of which we get into later in this article).    Does Medicare cover dental insurance? Only a Medicare Advantage Plan (Part C) covers dental services, although others may cover emergency dental work during a hospital stay. Seniors on Medicare Parts A and B will need a separate dental insurance plan in order to cover cleanings, X-rays and other oral health services.   Why is dental insurance important for seniors? Oral health goes beyond the condition of your teeth; it also affects overall health and well-being. Missing, damaged teeth and unhealthy gums may affect your speech, your ability to eat and increase your risk for diabetes, stroke and heart attack. Further, dental needs may increase with age, as certain medications can negatively impact gum and tooth health. Because of these risks, it’s critical for everyone, especially seniors, to visit their dentist regularly for cleanings and exams. By enrolling in a dental insurance plan, you don’t have to avoid the dentist for fear of how much it will cost.   What types of dental plans are available to seniors? Like with general health insurance, navigating different dental insurance plans can be complicated and confusing. Various options exist for seniors, including the below.   PPO Preferred Provider Organizations (PPOs) have a network of dentists who provide a wide range of services for a set fee, which may lead to reduced fees. However, the downside is that there’s also a chance that certain out-of-network practitioners charge less. For most dental PPOs, you’ll have to pay out of pocket for certain covered services until you meet your deductible. Once you’ve met that deductible, coinsurance — the amount you and your plan share for services — will kick in.    HMO For a monthly premium, Health Maintenance Organizations (HMOs) focus on preventative care and pay in-network dentists a set monthly fee per patient. Those dentists then provide services at a low or no cost. HMO plans have no deductible but do not reimburse patients for services. If you need specialized treatment, your primary dentist will have to submit a referral.   Indemnity Indemnity plans require a patient to pay for a dental service, then submit the receipt to their insurance carrier for reimbursement. Depending on the specifics of the plan, patients may be reimbursed for either a portion or the entire qualified dental expense. The amount covered varies between carriers and plans, but generally indemnity plans don’t have any network restrictions, meaning patients can see whatever dentist they want. Enrollees in an indemnity plan will pay a monthly premium and deductible.   What’s covered by dental insurance for seniors? Services covered by a dental insurance plan varies, but the following are typically eligible for coverage: Two exams and cleanings per year Annual X-rays Cavity fillings Crowns Root canal surgeries Tooth extractions If you opt for a comprehensive or full coverage plan, you may also have these treatments covered: Orthodontics: procedures to correct a misaligned bite Periodontics: treatment for gum disease, or dental implants Prosthodontics: prosthetics to restore or replace missing teeth (e.g., dentures)    How much does dental insurance cost for seniors? Like most insurance plans, the cost of dental insurance includes a monthly premium, as well as a deductible, copay and coinsurance. Each will vary based on where you live and the specifics of your plan.  Most dental insurance plans also have a cap for how much they will cover in a 12-month period, after which the patient is responsible for paying 100% of the cost for care.   Below we compare some of the top dental plans: Delta Dental - Elite 1000 Monthly Premium: $36.01 Annual Maximum: $1,000 Waiting Period: 6 months   Renaissance Dental & Vision Max Essentials Monthly Premium: $35.78 Annual Maximum: $750 Waiting Period: 6 months   Spirit Dental & Vision Secure Network Monthly Premium: $31.63 Annual Maximum: $1,250 Waiting Period: None Prices found on DirectBenefits.com.    So, should seniors buy dental insurance? In closing, the cost savings dental insurance provides far outweigh the risk for health issues and sizable bills from your dentist. Seniors should consider their options to find the best plan and reduce out-of-pocket costs. Explore your options through the Direct Benefits Marketplace. 

The insurance landscape is complex and difficult for most to understand — regardless of how long they’ve been in charge of their own plan. Every plan from every carrier is different in some way, and many don’t know whether a treatment will be covered until it's needed.  Both medical insurance and dental insurance plans help reduce the cost of different types of health care, but there is much more to it than that. We’re here to help you get a better grasp on what is covered by each type of insurance so you can make sure you’ve got the coverage you need to keep yourself and your family healthy.     Is dental insurance the same as medical insurance? In short: no. Medical insurance certainly covers a variety of health care needs, it does not include dental care. See how dental and medical insurance are similar and how they differ below.   Similarities between medical and dental insurance Both medical and dental insurance plans require you to pay a monthly premium for a certain amount of coverage, which will differ based on your plan. Because of this coverage, your benefits will eliminate or at least reduce out-of-pocket costs for everything from routine exams all the way up to major treatments and procedures. Additionally, for both dental and medical insurance, certain providers are considered in-network, and by sticking with those providers you’ll further lower your costs. There may also be circumstances where the two overlap — for example, having dental clearance prior to surgery to rule out dental abscesses or gum disease.   Differences between medical and dental insurance  While the overall concept of medical and dental insurance is generally the same, there are specific differences in what they cover. Medical insurance covers care related to your overall health and well-being. This includes routine physicals, as well as treatments for injuries, chronic illness, and even specialized services pertaining to women’s health, dermatology, allergy, orthopedics, and so on.  Dental insurance on the other hand is very focused on tooth and gum health. Basic dental coverage typically eradicates costs for cleanings and checkups, X-rays and other mild procedures, while full coverage will carry the brunt of costs for more extensive treatments like crowns, bridges, and extractions.   Does health insurance cover dental work? Typically, health insurance does not cover oral care. Preventive care and most dental and orthodontic work falls under dental insurance. In rare cases, dental work may be medically necessary and therefore fall under medical insurance. For instance, an abscessed tooth may be leading to other health issues and require surgery.   Does Medicare cover dental work? Like traditional medical insurance, Medicare, for the most part, does not cover preventive or routine dental care like cleanings, fillings, extractions, or dental devices — nor are there Medicare dental plans available for purchase. However, Medicare Part A, which is hospital insurance, will pay for certain dental services a patient may need while staying in the hospital. These are typically emergency or more complicated procedures that cannot be performed in a dentist’s office.    Why is dental insurance separate from medical insurance? The goal for medical insurance is to reduce costs for those who need treatment for illness and injury — making it more of a reactive safety net. It provides a peace of mind for individuals to know if and when the time comes they need treatment or a procedure, they won’t owe thousands of dollars.  Dental insurance, on the other hand, is more proactive, aimed at keeping patients’ mouths healthy and preventing more serious conditions. With regular exams, a dentist can catch problems before they worsen or cause other health issues.   Get comprehensive dental coverage from Direct Benefits Even if you already have private or employer-provided health insurance, you’ll need to enroll in dental insurance separately. Don’t be concerned about costs — you can find affordable coverage that meets your needs and will in fact save you money on care.  Search the Direct Benefits marketplace to compare plans and enroll today.    [Find my plan]

Being self-employed comes with a number of perks: flexible hours, not having to answer to a boss and the potential for high earnings. On the other hand, there are certain benefits that come from working for an employer you don’t get when working for yourself — one of them being company-sponsored health and dental insurance plans. But just because you can’t take advantage of a plan like this, doesn’t mean you should forego having insurance for both overall health care and dental care. Keep reading to discover why you should invest in dental insurance and how to find the best plan for your needs.   Benefits of dental insurance for self-employed individuals Everyone, regardless of their profession, should visit the dentist regularly. Dental insurance is a savvy approach for having regular cleanings and exams covered, as well as partial coverage for more extensive treatments and procedures. This means you won’t be slammed with a huge bill for a simple cleaning or an unexpected tooth injury or illness.  Self-employment can already create financial stress. But, armed and protected with dental insurance, you get peace of mind knowing you can take care of yourself without putting a strain on your finances.  How much is dental insurance for self-employed individuals? There is no one-size-fits-all dental insurance plan. There are many factors that impact how much your premium will be each month, including: Your age Where you live Who insurance will cover (individual, individual + partner, family) Desired coverage for cleanings and exams (most cover 100%) Desired coverage for basic and major procedures (X-rays, sealants, oral surgery, etc.) Insurance plans also come with various costs aside from the monthly premium, including co-pays, deductibles and coinsurance.    Ways to get dental insurance if you’re self-employed People who freelance or own their own business have the freedom to select their own plan based on their budget and unique oral care needs. There are a couple of approaches you can take to find and enroll in dental insurance: within your existing health insurance plan, or as a standalone plan. Consider what services you’ll need and whether you want to stick with a specific dentist, as you’ll need to ensure they’re in-network for whatever plan you choose.   Health insurance plans that include dental coverage Some health insurance plans include dental insurance, so you conveniently have one monthly premium for both. It’s important that when taking this route, you read all the fine print to understand what — and how much — is covered, as well as what you’ll pay monthly and for dental visits.  These plans can also have limitations in terms of what they cover and what providers are in-network.     Separate dental insurance Alternatively, you can find a standalone plan that is separate from your health insurance. Rather than having to select from a list of set plan options provided by the specific carrier, this approach allows you to choose a program that has the coverage you want for a price that works for you. If you have a dentist you trust and don’t want to lose, you can also ensure that that practitioner is in network before committing to an insurance plan.   How to find affordable self-employed dental insurance You’ve taken the leap to work for yourself, but it shouldn’t come at the sacrifice of your health. Get the regular care you need to keep teeth and gums in tip-top shape and be prepared in the event of an emergency oral health issue with dental insurance. Direct Benefits is your partner in finding the right plan. Browse, compare and enroll in affordable plans quickly and easily — with no waiting periods! Find your plan today!

As a veteran, you deserve insurance that can help keep your teeth and gums in tip-top shape. While it might not be easy at first to find the ideal plan, rest assured that you do have a few options to choose from. Once you become familiar with what those options are, you can make the decision that will help you afford dental care ranging from preventive services to major services. Below, we dive into several insurance companies that provide dental care for veterans, along with some information on the routes you can take to get the coverage you need without breaking the bank. Overview The best dental insurance for veterans on the Marketplace: 6 carriers to consider:       Denali Dental       Spirit Dental       Delta Dental       Renaissance Dental       California Dental       Argus Dental Do veterans get dental coverage?          What dental coverage does the VA provide?        What is VADIP?        Can you get high-quality dental for veterans from private insurers?  Find dental plans for veterans easily with the Direct Benefits Marketplace  Dental insurance for veterans: 6 carriers for stand-alone plans One of the ways you can get dental insurance is by going directly to a provider and buying a stand-alone plan. You might do this if you prefer having greater control over the dentists you’re able to see and the level of coverage you receive. Here are six companies that are worth considering:  1. Denali Dental  Denali Dental is a great option if you want to go with a plan that will have a high annual maximum, as you might be able to get one that’s as high as $6,000. This means you can receive expensive dental care with less fear that you’ll hit the limit. Plans also provide coverage for four cleanings annually to help ensure your smile will be bright and beautiful. And Denali is a smart way to go if you want dental insurance for veterans with no waiting period. 2. Spirit Dental Another wise choice when searching for dental insurance with a high annual maximum is Spirit. You might be able to enroll in a plan with a $5,000 max that could give you peace of mind in the event you need pricey treatments. Plus, you can find plans that don’t have waiting periods, cover three cleanings annually, and let you choose from a large network of dentists. 3. Delta Dental Delta Dental is an insurance that many dentists accept, so it can be a good choice if you want to be able to select from a wide network of professionals. In addition to that, there are plans that provide benefits which increase each year, up to the third year. And, although there might be waiting periods for basic and major services, you may find plans with annual maximums as high as $2,000. 4. Renaissance Dental Renaissance Dental plans may come with an annual deductible, but they might also come with a high annual max (up to $3,000). With no waiting periods, options to go out of network, and coverage for preventive cleanings and major services, you might be able to find a policy that suits your needs perfectly. 5. California Dental If California Dental is available in your area, it’s worth checking them out because you might be able to get a plan with no deductible and a low copay. Other perks may include no waiting periods and an unlimited annual maximum that can help you get expensive care without worrying about being able to afford it all on your own. 6. Argus Dental Argus is an option to consider when you’re on a budget, as you can find plans that come with an unlimited annual maximum and no deductible. If you have pre-existing conditions, you can enroll in plans without pre-existing condition exclusions, and you can find plans without waiting periods. Plus, with a fee schedule, you’ll know how much a trip to the dentist’s chair will cost before you go. Do veterans get dental coverage? You might be able to get veterans dental benefits with the help of the VA Dental Insurance Program, also known as VADIP. Or, you might simply take advantage of outpatient care provided by Veterans Affairs (VA). What dental coverage does the VA provide? To receive dental benefits from the VA, you’ll need to qualify for them based on things like your health, income, and military service. The VA will tell you if you’re eligible for this type of coverage, so you need to get in touch with them directly. The harsh reality is many veterans don’t meet the requirements for this outpatient care. For example, you might only be able to get this type of support if you were a prisoner of war or if you have a disability. What is VADIP? VADIP is a program that lets you buy private dental insurance at a discount if you’re a veteran who is receiving VA health care. Current or surviving spouses and dependent children of veterans who are enrolled in the Civilian Health and Medical Program (CHAMPVA) may also qualify. You won’t qualify for this option if you don’t meet certain requirements. Also, with VADIP, you may have a premium and other out-of-pocket costs, such as a copay, to cover on your own. Delta Dental for veterans and MetLife Dental for veterans are two companies that provide VADIP plans. You can select a policy and enroll directly. Can you get high-quality dental for veterans from private insurers? Absolutely! As discussed above, there are many providers you can choose from when searching for an insurance policy that will cover all of your needs. You might also be pleasantly surprised by the many options available at an affordable price. So, if you don’t qualify for VA dental benefits or VADIP, buying a plan on your own might be exactly what you need. Find dental plans for veterans easily with the Direct Benefits Marketplace If you’re a veteran who wants to enroll in a comprehensive, low-cost dental plan, check out the Direct Benefits Marketplace to make the process as quick and simple as possible. Discover the options available in your area, compare them side-by-side, and enroll to get coverage right away.

Because a dental plan might leave you wanting more, supplemental dental insurance is an option to consider. The coverage you get from a second plan can help reduce the out-of-pocket costs for expensive care that you and your family might need. What is supplemental dental insurance? Put simply, this is a plan you can get when you need additional coverage, such as when your current dental plan has a low annual maximum or it doesn’t cover certain treatments and procedures. Overview The best supplemental dental insurance plans       Spirit Dental       Denali Dental       Delta Dental       Renaissance Dental       California Dental Can you get Medicare supplemental dental insurance? Is supplemental orthodontic insurance worth it? Can you have two dental insurance plans?       How does secondary dental insurance work?       How do you determine which dental insurance is primary and which is secondary? Use the Direct Benefits Marketplace to find supplemental dental plans 5 of The Best Supplemental Dental Insurance PlansDespite the importance of high-quality oral care, many seniors go without dental insurance. If you’re only relying on Medicare, it’s a great idea to look into affordable dental plans that can help you save a lot of money. 1. Spirit DentalSpirit Dental offers a high annual maximum of up to $5,000. Their plans provide a host of benefits, such as three cleanings per year and coverage for children’s orthodontics. Plus, there aren’t any waiting periods, and this might be the right choice if you’re searching for supplemental dental insurance for implants. 2. Denali Dental When you want a dental plan that comes with a high annual maximum, Denali Dental is a good option to consider because its annual max is up to $6,000. This insurer also provides coverage for four cleanings each year, along with orthodontics coverage for kids and adults. And without any waiting periods, you don’t have to hold off on getting the care you need. 3. Delta Dental One great thing about Delta Dental is its large network of dentists that you can choose from. Also, the benefits they provide for both basic and major services will increase every year up to the third year. Just be aware that some plans might have waiting periods. 4. Renaissance Dental Renaissance offers policies that don’t have any waiting periods, and you can sign up for plans that let you visit dentists who are out of network too. Plus, they provide coverage for preventive cleanings, children’s orthodontics, and major services.5. California DentalAn affordable option when you need a supplemental plan, California Dental offers policies without waiting periods and deductibles, and with unlimited annual maximums and low copays and premiums. Some of their plans might even cover cosmetic procedures, adult orthodontics, and implants. Can you get Medicare supplemental dental insurance?Seniors need to take great care of their teeth and gums because their risk of oral health problems may be higher. But if you only have Medicare Part A and Part B, trips to the dentist likely won’t be covered because there are limitations on the types of dental treatments that Medicare will pay for. The good news is Medicare supplemental dental plans are available to provide support when you need anything from preventive cleanings to restorative bridges. You might be able to get dental coverage with a Medicare Advantage (Part C) plan, or you can enroll in a stand-alone policy, such as one from the providers discussed above.Is supplemental orthodontic insurance worth it?It may be worth getting supplemental dental insurance for braces if your existing plan doesn’t provide enough coverage for orthodontics. You might be able to find a plan that has a high annual limit and will be there to help cover the cost of pricey braces, whether you need them as an adult or your kids need them. Plus, you might be able to sign up for a plan that covers pre-existing conditions and has no waiting period, further helping you get the care you need without holding you back.Can you have two dental insurance plans?Yes, you can have additional dental insurance even if you already have a policy in place. For example, if you and your spouse receive dental insurance from your employers, both plans can be active. This is referred to as dual coverage.How does secondary dental insurance work?In the event that you have two plans, you’ll need to figure out which one will act as the primary policy and which one will be the secondary policy. Then, a coordination of benefits (COB) can determine how each of the insurers will provide coverage. Your secondary insurance will kick in after the primary insurance to help cover the balance, thereby reducing what you might owe.Just keep in mind that your benefits won’t be duplicated, and your care won’t be covered beyond 100%. However, you may find that you’re able to save more when you have two plans.How do you determine which dental insurance is primary and which is secondary?There are a few ways to figure out which of your two dental plans will be the primary and which one will be the secondary. For example, if you have a plan from your job and another that you bought on your own, the one from your employer might be deemed the primary policy. Or, if you and your spouse have dental insurance from your jobs, your primary policy may be the one on which you’re the account holder, while your secondary policy may be your spouse’s insurance.Use the Direct Benefits Marketplace to find supplemental dental plansWhen you’re ready to look for supplemental dental insurance, Direct Benefits Marketplace can help make the process as simple as possible. Use it to search for and compare plans available in your area. Then, when you’ve decided on the policy that fits your needs, you can sign up quickly and easily. 

Updated Feb 2023Having reliable dental insurance when you’re a senior can help ensure you’ll be able to afford trips to the dentist for everything from cleanings and gum treatments to dentures and fillings. But if you’re on Medicare, you might be left with a high bill. Medicare Part A and Part B might help cover the cost of certain types of dental care, such as a procedure associated with the treatment for a serious medical condition. When it comes to routine care to keep your teeth and gums strong, unless you have Medicare Part C (Medicare Advantage) that includes dental coverage, you’ll need to pay for everything out of pocket. And seniors on a fixed income will likely find that hard to do. Not satisfied with what’s offered by Medicare Advantage? You have another option: go directly to an insurance provider to purchase a stand-alone plan. To help you get started, we’ve compiled some information on the best dental insurance for seniors on Medicare. Overview The best dental Insurance for seniors on Medicare: 6 carriers to consider       Spirit Dental       Renaissance       Denali Dental       Delta Dental       California Dental Does Medicare Have a Dental Plan for Seniors? Shop for Dental Insurance on the Direct Benefits Marketplace The best dental insurance for seniors on Medicare: 6 carriers to considerDespite the importance of high-quality oral care, many seniors go without dental insurance. If you’re only relying on Medicare, it’s a great idea to look into affordable dental plans that can help you save a lot of money.1. Spirit DentalSpirit Dental offers immediate full coverage dental insurance with no waiting periods—with a large network of dentists, Spirit is a smart place to look for dental insurance if you’re a senior. They have plans with a high annual maximum of $5,000 after two years, and with next-day effective dates, it's a solid comprehensive dental plan for major services right away. You can get coverage for implants and three cleanings annually. So, you might be able to easily find a plan that suits your needs and fits your budget.2. Renaissance Dental If you want the freedom to go out-of-network, and you want to save money on preventive and restorative treatments, Renaissance might be just what you need. With plans that have a low annual deductible, no waiting periods, and a high annual maximum up to $3,000, this might be the ideal provider if you’re a senior in search of dental insurance.3. Denali Dental One of the nice things about Denali Dental is its high annual maximum, which might be as high as $6,000. This means you can get a lot of support, even when you need to undergo expensive procedures to restore the health of your teeth and gums. Plus, you can choose from a large network of dentists, you may not need to worry about annoying waiting periods, and options include coverage for adult orthodontics and four cleanings per year. 5. Delta Dental As one of the most well-known providers, Delta is another option to consider when you need dental insurance for seniors on Medicare. You might find plans with benefits that increase each year for the first few years. And, even though you might encounter a missing tooth clause and waiting periods with these plans, you can take advantage of a large network of dentists when you need basic or major services.5. California DentalIf you’re concerned about the cost of senior Medicare supplemental insurance, California Dental may be a good place to look for an affordable plan. You might be able to enroll in a policy that has an unlimited annual max, low copay, low premium, and no deductible to save money. And because this insurance company also covers things like implants, adult orthodontics, and cosmetic work on certain plans, you can enjoy greater peace of mind when it comes to how you’ll pay for dental care in your golden years.Does Medicare have a dental plan for seniors? You might be able to get dental and vision insurance for seniors through a Medicare Advantage Plan from a Medicare-approved private insurer. Remember, Original Medicare might only help cover the cost of dental care that’s related to things like surgery, hospitalization, and emergencies, so you’d be responsible for the cost of dental exams, X-rays, cleanings, fillings, root canals, crowns, dentures, implants, etc. Keep in mind that, if you’re thinking about going with a Medicare Advantage Plan that includes dental coverage, you might be restricted to signing up during certain enrollment periods. And plans can vary from one provider to another, as well as one location to another. Don’t worry, if Medicare Part C plans don’t meet your needs, you also have the option of buying a stand-alone dental plan, such as one from the companies discussed above. You might find that they provide more comprehensive or more affordable coverage. And you can enroll in a stand-alone plan at any time of the year.Shop for dental insurance on the Direct Benefits MarketplaceIf Medicare has left you wanting more in terms of dental coverage, browse the many plans available in your area with the help of the Direct Benefits Marketplace. After finding the right policy for your expectations, you can easily enroll to receive the care you need without breaking the bank.

Updated Feb 2023When shopping for dental insurance, you’ll come across plans that impose a waiting period that might last a month to a year or more. This means that certain levels of coverage, or perhaps even all coverage, won’t kick in until after the waiting period is over. Sounds inconvenient and frustrating, doesn’t it? The good news is there are dental insurance no waiting period options available. So, if you want to rest assured that your policy will cover everything from preventive to major services from the day your plan becomes active, searching for full coverage dental insurance with no waiting period is the right way to go. To help you get started, we’ve compiled a list of some of the best dental insurance providers that offer plans without a waiting period. OverviewDental insurance with no waiting period: 6 options to consider     Spirit Dental    Denali Dental    California Dental    Renaissance    Delta Dental What is the best dental insurance with no waiting?     Cost    Coverage    NetworkAre there ways to avoid a waiting period with dental insurance? Shop now for dental insurance with no waiting periodDental insurance with no waiting period: 6 options to consider1. Spirit Dental Spirit Dental provides several perks that might be hard to get with other providers. For example, the $5,000 annual max is higher than many others, three cleanings are covered each year, and you can choose from a large network of dentists or go with a plan that lets you select any dentist you wish. Plus, there aren’t any waiting periods to worry about, and you can find plans that cover children’s orthodontics. 2. Denali DentalAnother insurer that has one of the highest annual maximums is Denali Dental, with a $6,000 max. Although these plans tend to be pricey, there are several perks, such as four cleanings per year, no waiting periods, and orthodontic coverage for children and adults. Plus, with a large network of dentists to choose from, as well as plans that let you select any dentist you want, this may be a good choice if you prefer that flexibility. 3. California Dental With California Dental, you can find plans that have low premiums and copays, no deductibles, and an unlimited annual max, so they’re a good option if you’re on a budget. Even though there are limitations in terms of the dentists you can choose from, there aren’t any waiting periods. And you might be able to get coverage for implants and cosmetic treatments. 4. RenaissanceRenaissance is yet another provider that offers plans without waiting periods, but there is an annual deductible that should be considered when calculating out-of-pocket costs. You can also take advantage of a high annual max, coverage for children’s orthodontics, and the flexibility to select any dentist. 5. Delta Dental Delta Dental is available nationwide and has become popular for several reasons. The benefits on basic and major services increase up to year three, there’s a high annual max, and you can choose from a large network of dentists. However, although you might find a plan in your area without a waiting period, many plans do have waiting periods for certain services, so read the fine print before deciding which one will meet your needs. What is the best dental insurance with no waiting period? To find the best dental insurance no waiting period option, compare individual dental coverage options that give you the benefits you need at a price you can afford. Cost Even when your focus is on getting a plan that won’t restrict you with a waiting period, it’s wise to evaluate options based on out-of-pocket costs, including the premium, deductible, copay, and coinsurance. And don’t forget about the annual maximum, which is the highest amount the insurer will pay to cover dental services each year. All of these factors can help determine how affordable a plan will be, as well as how much you can potentially save every time you see the dentist. So, you might want to narrow your options down to dental insurance with no waiting period and no maximum. Coverage Some plans will impose a waiting period for specific types of treatments and services. For instance, while you might be able to start using the insurance to cover preventive care immediately, you might need to wait before receiving coverage for basic or major services. Try to find plans based on the support you’ll need for yourself and your family. Here are some examples: If you’re shopping for a family dental plan that includes coverage for kids, consider dental insurance for braces with no waiting period. If you’re shopping for senior dental coverage, you might want to find dental insurance that covers dentures with no waiting period. If you tend to need dental care often, it might be best to choose dental insurance with no waiting for root canals. If you think you might need expensive and invasive treatments, consider dental insurance with no waiting period for major services. If you’re a veteran, you might be eligible for dental insurance for veterans with no waiting period. Network Finally, consider the network of dentists you’ll be able to choose from. Will you be restricted to a network, or will you be able to choose any dentist you like? Depending on how much flexibility you want when it comes to selecting a dental professional, this factor can help you figure out which dental plan with no waiting period is right for you. Are there ways to avoid a waiting period for dental insurance? Yes, it might be possible to have a waiting period waived. For instance, if you had dental insurance over the past year, the insurer might not make you wait. Contact the provider directly if you have questions about waiving a waiting period. Shop now for dental insurance plans with no waiting period If you’re ready to shop for dental plans in your area but you’re feeling overwhelmed, use the Direct Benefits Marketplace, where you can compare plans and weigh their pros and cons based on factors like waiting periods. Then, once you’ve found a plan that works for you, you can easily sign-up so you can start reaping its benefits as soon as possible.

Updated Feb 2023 Dental implants are an excellent option for replacing missing teeth. If you lost a tooth due to age, decay, or an accident, an implant might be the ideal solution because it’s long-lasting and looks and functions just like a real tooth.  Although dental implants can provide a host of benefits, they can cost thousands, so they might be out of reach if you need to pay for them completely out of pocket. Thankfully, you can get valuable support by shopping for the best dental insurance for implants, and we’ve compiled the list below to help you find the right provider for your preferences and budget.   6 of the top dental insurance carriers  1. Spirit Dental & Vision The nice thing about Spirit is their plans may come with a high annual maximum (upwards of $5,000), so that can be helpful when you need to undergo expensive treatments and procedures. Although they do have a missing tooth clause, they don’t impose a waiting period, even on major services, and they provide coverage for dental implants.  2. Denali Dental & Vision With a high annual maximum (up to $6,000) and plans that cover a percentage of major services, Denali can be another smart choice when shopping for dental insurance that covers implants. Plus, they offer plans without waiting periods, and you may be able to choose from a large network of dentists, which can be useful if you’re hoping to find more affordable providers.  3. Renaissance Renaissance offers plans that cover a percentage of the cost of dental implants, and they may have a high annual maximum that can also help ensure you’ll save money when needing major services. However, there may be a deductible that you’ll need to cover each year, so that’s one out-of-pocket expense to keep in mind.  4. Delta Dental With a high annual maximum (up to $6,000) and plans that cover a percentage of major services, Denali can be another smart choice when shopping for dental insurance that covers implants. Plus, they offer plans without waiting periods, and you may be able to choose from a large network of dentists, which can be useful if you’re hoping to find more affordable providers.   5. California Dental California Dental offers a plan that can help cover the cost of dental implants, even if your teeth are already missing when you sign up. This insurer provides affordable options with low premiums, no deductibles, low copays, and no waiting periods. And you can also find plans with an unlimited annual max.  Compare dental insurance for implants on the Direct Benefits Marketplace When you’re shopping for individual dental insurance, you have a lot of options to choose from, so you can select the policy that will give you the coverage you want. But because there are so many plans available, figuring out which one is right for you can be a daunting process. After all, different plans offer varying levels of coverage.  On the Direct Benefits Marketplace, you can quickly and easily search for dental insurance plans that not only match your needs but also fit your budget. Whether you’re on the hunt for a comprehensive family dental insurance plan that also covers orthodontics or you want to get the best supplemental dental insurance for implants, we make it easy to find and compare plans. Then, it’s simply a matter of signing up whenever you’re ready.    How to choose the best insurance for dental implants  Keep in mind that not all policies will cover implants. Also, because the average cost of a single implant is over $1,000, it’s wise to read the fine print when you’re searching for insurance that will cover this procedure. In addition to confirming that a plan covers major services and implants, consider the following: • Out-of-pocket fees might include a copay, deductible, and coinsurance, as well as your monthly premium. Calculate how much you’d need to pay on your own when undergoing an implant procedure.    • Check the annual maximum, which is the amount that an insurer would be willing to pay each year to cover your dental care. This can impact how much you’ll need to pay out-of-pocket for a dental implant.     • If you need to stick with an in-network dentist to receive coverage, but you already have a dental professional that you’d prefer using, ask if they accept the policy before signing up for it.    • If you don’t want to wait to receive dental care, narrow your options to the best dental insurance for implants with no waiting period.  Common questions about dental insurance for implants What does dental implant insurance typically cover? Generally, insurance for dental implants will cover a portion of the cost of the procedure and the implant itself.  The percentage that’s covered will vary from one plan to the next. For instance, if dental implants are considered a major service that’s covered at 50%, your insurer will pay for half of the bill and you’ll be responsible for the rest.  Some people need to undergo other treatments before they can get a dental implant. For example, your dentist might need to extract a problematic tooth or you might need a bone graft to ensure your mouth is strong enough for an implant. If that’s the case, your insurance policy might help cover the cost of those procedures too.  Dental implants require multiple appointments, as the procedure is completed in stages. Read the fine print before enrolling in a plan. That way, you can be sure you understand exactly what will be covered versus what you’ll be responsible for.  What is not covered by dental implant insurance? Dental plans may have limitations and exclusions. When searching for a policy that covers implants, look for pre-existing condition exclusions, such as a missing tooth clause that states an implant won’t be covered if you lost a tooth prior to enrollment.  Some insurance companies provide little to no coverage for cosmetic treatments and procedures. So, if an insurer considers dental implants a cosmetic procedure, you may not get any support.  How much does insurance for dental implants cost? Coverage amounts and out-of-pocket fees will determine how expensive a policy will be. Other factors, such as your age (check out our senior dental plan guide), location, and coverage for out-of-network dentists, could also affect how much you’ll need to pay for a plan.    Ultimately, you might be pleasantly surprised by how affordable dental insurance for implants can be. Signing up is simple, and once your plan is active, you can start saving money.    

You know how important it is to maintain the health of your teeth and gums, but you’re also aware of how expensive a trip to the dentist can be. From preventive care to major services, the costs quickly add up, and it can sting if you’re paying for it all out of pocket. The solution is simple: sign up for one of the best dental insurance plans that will give you the coverage you need at a price you can afford. To begin, take a look at our picks of some of the best dental insurance companies you can choose from. 5 of the top dental insurance carriersWhen you’re on the hunt for the best dental plans available, consider checking out options offered by the following providers: 1. Denali If you tend to need expensive treatments, you can get a lot of coverage with Denali. They have one of the highest annual maximums (up to $6,000), so you can worry less about hitting that max and focus more on getting the care you need. Plus, there are plans without any waiting periods, coverage for orthodontics for kids and adults, and a large network of dentists to choose from. And you get four cleanings annually.2. Spirit Dental Spirit Dental is another dental insurance provider that offers comprehensive plans that cover everything from child orthodontics to dental implants. There aren’t any waiting periods, they cover three cleanings annually, and you can find plans that let you select any dentist if you don’t want to choose from a network. Plus, the annual maximum is up to $5,000, so this is another great option if you need to see the dentist often.3. RenaissanceWith Renaissance, you can enjoy the perks of a high annual maximum (up to $3,000) and no waiting periods. Preventive cleanings are covered, and you can select from plans that cover major services too. If your kids need orthodontics, this insurer can help cover the cost. Plus, if you want to be able to choose any dentist, you have that option as well. 4. Delta Dental There are various Delta Dental plans available, so reading the details carefully will help you decide on the one that’s right for you. Some plans have waiting periods, but this provider does offer a wide network of dentists to choose from, and the annual maximum is up to $2,000. Plus, the benefits you receive for basic and major services will increase each year, up to the third year. 5. California DentalCalifornia Dental offers plans with an unlimited annual maximum, no waiting periods, no deductibles, and low copays. Low premiums also help make this an affordable option to consider if you’re on a budget. Plus, they even have a plan that covers dental implants and cosmetic services like teeth whitening, which many providers don’t cover. Is it worth paying for dental insurance? Most dental care isn’t covered by medical insurance, so enrolling in a plan offered by one of the dental companies in your area is wise. Even when you factor in out-of-pocket expenses, such as premiums, copays, coinsurance, and deductibles, you may be able to save quite a bit if you select the right plan with the right amount of coverage. To estimate how much you might save, consider the cost of basic preventive care, such as checkups, X-rays, and cleanings, and think about how expensive fillings, root canals, and other restorative procedures can be. With the help of insurance, you won’t need to pay for it all on your own. What Is the best dental insurance for you? The ideal dental insurance plan is the one that gives you plenty of coverage at an affordable price. You should feel assured that you’ll be able to save money whether you need to go to the dentist for a cleaning or you need to replace a missing tooth with a dental implant. Some plans provide more coverage than others, so compare options carefully. For example, while one plan’s premium might be more affordable than another, it might only cover basic services while falling short on more expensive treatments like bridges and crowns. In addition to analyzing dental plans based on costs and coverage, consider the network of dentists. For example, would you be fine with choosing from a limited network of dental professionals or do you want to be able to use any dentist? Other factors to consider include the annual maximum, whether or not there are long waiting periods before coverage kicks in, and whether or not orthodontics are covered. Is there a dental plan that covers everything? Yes, you can find comprehensive dental plans that will cover everything, including preventive care, basic services, and major services. These types of policies might also provide extra coverage for things like orthodontics too. Even with a comprehensive plan, it’s important to read the fine print to know exactly what you’re getting and what you’ll be expected to pay out of pocket. For example, you might find plans that cover 100% of preventive care, 80% of basic services, and 50% of major services. What’s an easy way to shop for good dental insurance? When you’re ready to look for the best dental insurance, use the Direct Benefits Marketplace to narrow down your options and compare them with ease. That way, you’ll be able to determine which plan will help you save the most money.

The joys of retirement are endless. Whether it’s starting that new hobby you’ve always wanted to try, traveling to exotic places, or the simple pleasure of not setting an alarm, retirement is fun! But being on a fixed income requires some planning to ensure the fun won’t run out. One aspect of retirement planning is senior dental care. As you get older, your teeth begin to fade and having a dental care plan will help you navigate issues when they arise. When you retire or reach age 65, here are some dental coverage options available to you: Purchase a plan with Medicare Advantage Purchase a dental plan on the individual market Pay for dental services out-of-pocket Purchase a dental discount plan We’ll go over each of these options below, and we’ll find out which one works best for you. Purchasing a dental plan with Medicare You’ve probably heard this before: original Medicare (Medicare Part A and Part B) does not cover routine dental or vision care, though some coverage is provided in an emergency setting. If you’re looking to package your Medicare health plan with a dental plan, Medicare Advantage (also known as Medicare Part C) may be what you’re looking for. Medicare Advantage partners with private insurance companies to provide dental coverage for you to choose from. Choosing a dental plan with Medicare provides you with the convenience that all of your insurance is wrapped in one package. But you still need to do research on what these plans provide as it pertains to what you’re looking for. Because only a certain number of dental insurance companies partner with Medicare, you may be best served shopping the individual market. Shopping the individual market Shopping for dental insurance online can seem overwhelming, but it also gives you the power of choice. These days, buying any insurance online is relatively simple. But choosing the best plan for you might take some research. Figuring out what your needs are now and in the future will give you the best opportunity to choose the best plan that works for you. What are the dental coverage needs you’re looking for: Are you looking for a low-cost plan that provides preventive cleanings and exams covered 100%? Do you want a plan that increases coverage over time because you foresee expensive issues (dentures, crowns and implants) down the road? Do you need an expensive procedure ASAP and looking for a plan with a high year one annual maximum and no waiting period? Typing “senior dental insurance” into Google will provide you with a litany of links and articles to click on. Some of these links are research articles that bring together the best dental brands for seniors. You will see there is a lot of information out there. Once you know what you want for dental coverage, go through the process of getting a quote, find a plan that looks good, and dive into the details. What are some dental coverage plan items to look for? Premium – monthly cost of your insurance plan Coinsurance – a percentage of coverage you share with the insurance company Coverage of services – preventive, basic and major services may differ in coverage but typically follow a 100-80-50 percentage. Copays – this is the cost you pay each time you visit a dentist Deductible – similar to health insurance, the deductible (some are annual and some are a one-time lifetime fee) must be met before services are covered  You can also call the dental insurance customer service number to further speak with someone on getting the best plan option. Some dental companies hire experienced insurance agents to help answer your calls, so you know you’re getting the best information for the plan you’re interested in. Paying out-of-pocket for dental coverage Some people may not be able to afford dental insurance. That’s OK! Dental services can indeed be covered out-of-pocket. Some dentist offices may even set up a payment plan that works for you. You can also check out community dental events or dental schools for cheaper rates. On the other hand, if you can afford it, you may wonder if dental insurance is even worth it. Your teeth may be healthy, so you'll just pay out-of-pocket when an issue arises. This too can be done, but if you have dental insurance, you’re more likely to visit the dentist for annual checkups. Annual checkups are important because dentists can see and treat areas your toothbrush and floss cannot reach. As issues go unnoticed, more expensive procedures might be needed later down the road. If you do decide to pay out-of-pocket for dental care, be sure to visit your dentist regularly. Not only do they help clean your teeth and scrape away plaque you’re unable to wash away, they can also spot other health issues like heart issues, cancer and even osteoporosis. Dental discount plans Dental discount plans are not dental insurance plans. These act just like coupons. When you need a dental service, you’ll show your discount coverage and receive a percentage or dollar amount of the procedure. These are low-cost options and include advantages to dental insurance like no waiting periods and coverage for implants even if the tooth is missing. You will however miss out on preventive cleanings & exams covered 100% by typical dental insurance plans, and you may also get more coverage with a dental insurance plan on basic and major services. Choosing a dental insurance plan with the Direct Benefits Marketplace Whether you’re looking for an individual, family, senior or discount dental plan, the Direct Benefits Marketplace has you covered. With top dental brands to choose from, no matter where you live, you’re sure to get a great rate and have plenty of dentist options close by. If you have questions, our licensed insurance agents are standing by to help guide you to the best plan for you and your family. Shop the Direct Benefits Marketplace for dental insurance today and smile!   Sources: https://www.medicareadvantage.com/coverage/medicare-dental-vision-coverage https://www.healthline.com/health/where-to-find-free-or-reduced-cost-adult-dental-care#dental-schools https://www.health.com/condition/oral-health/health-conditions-dentist

As a gig worker in the gig economy, you know how to operate with efficiency; whether that’s knowing your niche and riding the wave of exhilaration to your next consulting opportunity or picking up people for rides during boost time periods, the gig economy allows those looking for more freedom to get the job they want on their terms and make money. You may not think dental insurance operates the same way, but it does! Dental insurance works with efficiency just as much as you do. There are all types of dental insurance plans on the individual market to choose from. Which one is right for you will depend on your needs. How much do you want to pay per month? Your monthly cost may be the first thing you check off when shopping for dental insurance. You want to make sure this fits within your budget before you purchase a particular plan. If you’re interested in getting the best value for your money, some additional research into the plans may be needed. But this is a benefit to you. Why pay for something if you don’t need it? For example, let’s say person A is healthy, wants the preventive cleanings 3x per year, and doesn’t require major restorative work, but may need it in the future. Person A will look for a plan that covers exactly this. Now, let’s say person B needs dental insurance ASAP, is looking for major restorative care (such as a crown) but doesn’t see a need for the annual cleanings. There is dental insurance out there with pricing reflecting both needs. Preventive cleanings are the ultimate efficiency tip Similar to saving more money earlier in life that will gain interest, you will also save more when you take care of your teeth earlier. Cavities can form from a very early age. Once cavities form, it becomes a haven for bad bacteria to thrive as brushing sometimes won’t reach the areas needed to be cleaned—a dental professional will be needed for this. With the bad bacteria continuing its way with degrading the tooth through the enamel, dentin and pulp, it may reach your connective tissue which would then require a root canal. Eventually, you may need an implant or partial dentures if the tooth needs to be extracted. Taking care of your teeth early saves you from pricey procedures later. It’s also no secret that bad bacteria that live in your mouth like to form a protective sticky substance called plaque that is difficult for you to remove. As noted above, a dental professional is needed to take care of this by scraping the plaque away and also getting to the areas difficult to reach. Dental insurance typically provides 100% covered preventive services allowing you to save more with preventive cleanings. Networks that bring savings & convenience If you’re interested in saving money, then you’ll definitely want to pay attention to which dental insurance plan has the network that works for you. The network is a contractual agreement by the insurance carriers to particular dentists that have reduced rates for dental services. If you choose to visit an in-network dentist, you will receive these lower rates. If you go out-of-network to visit a dentist, you will not get the lower rates, but may still get the benefits of the dental plan you chose. Different networks work with different plans. A DPPO (dental preferred provider organization) plan offers a wide net of dentists to choose from, whereas a DHMO (dental health maintenance organization) plan will be more limited but may offer better benefits. There are also dental discount plans that operate as a coupon would. You show up with your discount plan and receive a discounted rate from your service. If you have questions about particular plans, call your dentist’s office, or the insurance carrier to find out more. Waiting periods & the value of dental insurance Time is of the essence when it comes to efficiency. The quicker you solve an issue, the sooner you can move on to the next task at hand. When it comes to dental insurance, you may find some dental plans have waiting periods for certain dental services—but not all do. Shop dental insurance with no waiting periods to find the plan you want. The reason for waiting periods is to keep costs low. How do some dental insurance carriers offer no waiting periods with a competitive price? These dental insurance carriers are certain that once you see the advantages of receiving dental care with your insurance, you’ll see the value dental insurance brings and keep your insurance plan. The need for dental insurance and the gig economy The gig economy provides benefits on a multitude of levels. For the employer, they’re able to save time, money and become more agile in achieving their goals. For the employee, they get the freedom to choose where, when and what they’ll work on. On top of those benefits, the overall economy grows and the consumer is rewarded with lower costs and convenience. Dental insurance provides similar benefits mentioned above. Choice is front and center in getting the dental plan you need. There are plans with networks that save you more money and provide convenience by offering a location near you. There are also no waiting period plans and preventive cleanings that save you money in the long run. If you’re shopping dental insurance, the Direct Benefits Marketplace provides the best options from top brands for you to choose from. Compare plans and purchase in minutes. If you have questions, our customer support team loves talking dental insurance and guiding you to the plan that works best for you and your situation. Chat live with someone during business hours or give us a call!

When you head in for an elective surgery such as a knee or hip replacement (two of the most common elective surgeries), you may be confused as to why your physician requires a dental clearance before operating. First off, this is nothing to worry about and is common practice. What the medical doctor wants to ensure is your oral cavity (mouth, gums, teeth) are healthy enough to prevent bad bacteria from landing within the surgical repair location. This bad bacteria could cause infection and cause further damage even as the incision heals. To prevent this, the medical doctor will ask for a dental clearance. What is a dental clearance? A dental clearance might be needed before surgery to determine the health of the oral cavity—gums, teeth and mouth—to prevent infection to the surgical site. With all the bacteria teaming in your mouth, most of it is good bacteria. But some bad bacteria that form cavities and periodontal (gum) disease can enter the bloodstream to cause harm in other areas of the body. They are prone to attach to the heart. They can also find their way to open wounds, such as a surgical site. How does a dental clearance work? A dental clearance is performed by a dentist. When you schedule the appointment with your dentist, tell them you’re interested in receiving a dental clearance for an upcoming surgery. When you come in for the appointment, the dentist will give your mouth a thorough oral evaluation. The dentist will be looking for tooth decay and periodontal (gum) disease in particular. This includes noting any bleeding of the gums, recession, pockets, mobility and any other issues. A saliva test may also be ordered. This includes a saline solution you swish around and spit into a test tube that is sent for evaluation by a laboratory. This may take up to 48 hours to get the results. This will determine the type of bacteria found and will ultimately help determine the overall health of your oral cavity. Your dentist will follow up with the results and provide the dental clearance in the form of a written letter with copies of the salivary analysis and the periodontal charts. What if my results come back unacceptable? If your results come back in good health, you can proceed to your operation. However, if the results come back negative, your physician may not want to proceed with the operation. The dentist can then provide a treatment plan that could get your mouth back into good condition for the operation. Depending on how severe the issues are with your mouth will determine how simple or complex the treatment plan will be. Treatments that could occur to fix the issues for teeth are root canals or extractions. Gum treatments could include scaling or root planing. Keeping your mouth healthy is essential for complete overall health Receiving a poor dental clearance report isn’t the end of the road—it’s just the beginning to better oral and overall health. You may be someone that hasn’t visited the dentist in a while. Finding out you have poor oral health that prevents you from surgery is the first step to recovery. The treatment plan your dentist provides will help you going forward. Fixing the problems now ensures better health in the future. Dental procedures can be costly, but dental insurance helps cover some of the cost. With the Direct Benefits Marketplace, you can choose from a variety of plans that best suit your needs. Most dental plans cover preventive cleanings and checkups 100%, so you’ll always know where your dental health stands. There are also no waiting period plans that get you into the dentist right away. The procedures you’ll need to cover will also be listed under either basic or major services. With dental insurance, your teeth will always be in good hands.   Sources: https://www.dentistrytoday.com/focus-on/10456-focus-on-dental-clearance https://pocketdentistry.com/3-developing-the-treatment-plan/ https://www.mainedentalclinic.com/blog/getting-surgical-clearance-from-dentist/

It happens instantly. You’re chewing away, and suddenly, tooth pain strikes. Ouch! The next few moments are a mix of worry, sadness and hope; hope that the tooth pain will go away on its own and it was only just a temporary flare-up. When should you visit the dentist? Should you go at the first sign that something is wrong? Should you go after you wait it out a couple of days? One week? Two weeks? If you visit your dentist on an annual basis a couple of times a year as most dental plans offer, you’ll have a good idea of when you should go. The dentist is your advisor Visiting your dentist regularly helps you make decisions easier, and they set you up for success. Dentists examine your teeth and provide an action plan for what’s best for your oral health. If you’re in pain, dentists can diagnose the issue and tell you how to prevent it in the future. Dentists provide these services: Educates about dental hygiene Provides expert advice on products Examines X-Rays Fills cavities Removes plaque Analyzes growth of teeth and jawbones You may know you’re prone to sensitivity. Your dentist can recommend what to watch out for, products to use and how to combat the sensitivity. Routine cleanings are essential for pain-free teeth Your mouth is full of bacteria. Most of it is good bacteria, but some is bad. This bad bacteria acts as the instigators in creating cavities. As food particles are left behind in the mouth, the bad bacteria forms a sticky substance known as plaque. This plaque eats away at your teeth and causes cavities. If left alone, the cavities turn into bigger issues such as a root canal. As plaque grows, it becomes harder to wash it away with a toothbrush, floss or mouthwash. A dental professional is needed to achieve complete oral health. They will use their expertise to spot problem areas and scrape the plaque away thus ridding you of any potential issues down the road. Spotting other health issues Dentists not only treat teeth, gum and jaw issues, but they can also spot other overall health-related issues. They can diagnose early warning signs before they become issues. Research being published today is showing a connection between oral health and teeth health. Your dentists can diagnose: Diabetes Heart disease Osteoporosis Chron’s disease Anemia Stress If you suffer from bad breath and bleeding gums, this could be a sign you have diabetes. A sore and painful jaw may be a sign of an oncoming heart attack. And an X-Ray may show bone loss connected to osteoporosis. Fixing the issue Dentists not only provide the action plan when you step out of the office, but they’ll also take care of that issue you have right away. Dentists know tooth pain isn’t fun. Their job is not only to fix the issue but to make you feel at ease too. The causes of tooth pain include: Inflammation Infection Sensitivity Damaged Grinding 21st-century dentistry brings advanced tools to make the process of fixing your teeth painless and long-lasting. From Invisalign to laser dentistry to dental implants, new age dentistry is revolutionizing the way your teeth are taken care of. Dental insurance boosts your oral health Most dental plans include multiple preventive cleanings covered 100% each year to get you into the dentist to take care of your oral health. With the reasons listed above, the benefits of seeing the dentist go further than just going in for a cleaning. With the Direct Benefits Marketplace, you can choose from multiple plan options to get the right plan that works for you. Shop dental plans and feel protected today!

Teeth are instrumental in helping chew, drink, smile and even talk. Most of the time, teeth go by unnoticed. And then you take a drink of your favorite cold soda, and your world turns upside down. Ouch! What just happened? Your day was going along great, and now, you’re worried about your tooth! What could it be? How long will this last? Is this something I need to get checked? These are all great questions to ask yourself. Let’s dive in and see what the cause of your tooth sensitivity could be. Cavities Cavities form when bad bacteria combine with food, acid and saliva to produce plaque. This sticky-like substance eats away at your tooth enamel and forms a hole. This is the cavity and one of the more common reasons for your teeth sensitivity. In fact, did you know 91% of Americans over 20 have had cavities at some point in their lives? That’s a lot! How do you know if you have a cavity? Tooth sensitivity is the first clue, but you can also visibly see these little holes when you look in a mirror. Brown, black or white staining is another visible indicator. Tooth enamel erosion Tooth enamel is the protective outer layer of your tooth. It’s considered the hardest substance in the human body! But that doesn’t mean it’s not subject to wear and tear. When enamel begins to erode, sensitivity to hot and cold substances becomes apparent. As noted above, plaque is one way tooth enamel is worn down. Another way is by grinding your teeth which often occurs when you’re sleeping, and you might not realize you’re doing it. Gum recession Receding gums is a common dental issue, but it can be difficult to identify on your own. The main cause of gum recession is gum disease or periodontal disease. This occurs when bad bacteria accumulate and begin to eat away at your gum tissue. If you brush your teeth too hard or use a toothbrush with hard bristles, this also will take away your gum tissue. Genetics also plays a role. Some people are born with gums that are too weak or thin. Pregnancy Your body goes through a lot of changes during pregnancy. And one of these changes you’ll feel occurs in the mouth with tooth sensitivity. It can be difficult to pinpoint the exact cause of the sensitivity but here are a few things to consider: Increased blood flow to your gums Morning sickness Dietary changes An irregular dental routine An inflammatory response to your gums from hormonal fluctuations Some of these are difficult to avoid and happen naturally. Do your best to keep a regular dental hygiene routine at home. Cracked tooth or crown Do you remember recently eating something hard? Crunching down on a piece of ice or hard candy can result in a chipped, cracked or fractured tooth. You may not notice anything at first until you chew on something again or drink something hot or cold. If the chipped tooth doesn’t penetrate the nerve, you may not feel anything at all. But it’s still important to get it checked out to ensure there wasn’t further damage you can’t see. Whitening strips If you’re a frequent user of at-home whitening strips, this could be the reason for your sensitivity issues. The main ingredient for most whitening strips is hydrogen peroxide. This by itself can lead to sensitivity. Also, if you eat or drink anything hot or cold right after you take the strips off, this will cause sensitivity issues. It’s important to follow the instructions of any product you purchase. If sensitivity continues, seek out a dentist.   The dentist is your advisor When you have questions about your teeth, there’s no better person to go to than your dental professional. Dentists can take X-Rays and evaluate your teeth to determine the cause of your sensitivity. They can provide an action plan for you to feel better. Here are some services they can provide from the examples given above: Cavities: fillings or cap Enamel erosion: Crown, inlay/onlay Gum recession: Gum surgery Pregnancy: Advice on how to limit your sensitivity Cracked tooth: Filling, cap, crown or veneer Whitening strips: Professional products or services to use Dental insurance helps protect your smile and your wallet by getting you in to see your dentist at a discounted rate. It adds stability to your life knowing you’re always covered if something arises and you can get in to get your annual cleanings. Use the Direct Benefits Marketplace to choose from the top dental brands and find the dental solution you’re looking for today!

From a very early age you’re taught to brush your teeth twice a day. Typically, this occurs when you wake up and when you go to bed. This can seem like a mundane task to accomplish but the reward of having clean teeth is exponential. Having a good dental routine rewards you with: Fresh breath No tooth pain Little to no cavities Healthy gums That clean, minty feeling A survey conducted finds nearly 70% of Americans brush their teeth twice a day leaving 30% that don’t brush enough. Is it boredom? Forgetfulness? Too much going on? Here are 6 ways to boost your dental routine to keep you motivated and flossing away. 1. Revamp the old and bring in the new People love shopping. And what better way to get excited about brushing your teeth than to purchase a new toothbrush! Those fresh out-of-the-box bristles will energize you to brush more. Package your purchase with floss and new mouthwash too. Toothbrush Have you thought about using an electric toothbrush? The battery-powered toothbrush knocks away bad bacteria with ease and prevents gum erosion. If electric isn’t your thing, feel the love with a soft bristle toothbrush. Your teeth will bathe in delight. Floss Don’t settle for the floss your dentist provides—buy floss you’ll actually use. Did you know some floss is designed to fit small spaces? Look for floss that is waxed that eases the floss in-between your teeth for ultimate comfort. Try the mint flavor! Mouthwash Purchasing mouthwash is an added reminder to go further with your dental routine. And even though mouthwash doesn’t replace brushing and flossing, it does give you a quick option if you’re running late to get some fluoride on your teeth. Just remember to not eat or drink anything for 30 minutes after use to get the most out it. 2. Purchase additional tools you haven’t thought of Besides the typical toothbrush and floss, how about a water flosser? Water flossers add a new sense for your teeth as water is pummeled in-between your teeth to dislodge particles. Another floss-like tool is a dental pick. Dental picks or mini brushes may provide better control to get in-between your teeth. Tongue scrapers are also an effective tool that helps wash away the bacteria that gives you bad breath. Purchase these tools for a more robust dental care routine. 3. Take an active break with mindfulness Do you find yourself rushing and not having the time to brush your teeth? Combine this activity with mindfulness. Mindfulness is the practice of gathering your thoughts with your breath and relaxing. When you use mindfulness while brushing, you’ll feel more energized and refreshed when you’re finished. This will create positive feelings, and you may even find yourself looking forward to brushing. If flossing doesn’t do it for you because you just don’t have the time, mindfulness will help keep your focus on the task at hand. Imagine, taking your time, flossing between each tooth, dislodging all the crud, taking a breath, listening to the water as it hits your toothbrush, feeling the bristles glide over your teeth and finally enjoying that fresh, crisp feeling your mouth will feel when you’re complete. 4. Drink more water with acidic drinks Outside of brushing and flossing, there are other techniques to utilize. Acidic drinks weaken your tooth enamel. So before drinking acidic beverages such as orange juice or coffee, take a sip of water. This prevents the acidity from directly attacking your teeth. In the same light, avoid brushing your teeth after you drink acidic beverages. 5. Eat foods that help Crunchy fruits and vegetables such as broccoli, kale, apples and pears act as natural brushing and flossing agents as they dislodge particles from your teeth. Your saliva then acts as an important natural tool your body uses to wash away unwanted bacteria. If you leave for work or school without brushing, don’t worry! Simply grab some crunchy fruits and vegetables to help you through. 6. Teeth whitening Teeth whitening is cosmetic mainly and not for health. That said, people typically take the care necessary to brush their teeth before using the whitening strips, which is how whitening lands on this list. You should always brush your teeth before using whitening strips to avoid getting trapped bacteria between the strips and your teeth. However, it is recommended for sensitivity purposes not to brush your teeth immediately before using the strips. Wait at least half an hour. Also, always consult your dentist prior for the proper way to use whitening strips. Dental insurance gets you into the dentist for a more thorough cleaning There are some things your dental routine at home cannot accomplish without a dental professional. This occurs when bad bacteria hardens to form plaque that brushing cannot wash away. This is performed by a dentist or a dental hygienist by scraping your teeth. This is essential for your complete oral care because these bacteria form cavities; cavities turn into root canals and eventually, in extreme cases, tooth loss. Dental insurance helps get you into the dentist for these cleanings and checkups. The Direct Benefits Marketplace puts the top dental plans side-by-side for you to choose which plan works best for your situation and lifestyle. Choose the Direct Benefits Marketplace for your dental solution.