DENTAL BLOG

Stressed? Teeth Grinding Tells the Story

Stressed? Teeth Grinding Tells the Story

Stress comes and goes with everyday life, and it can be difficult to know when stress is physically harming you. Stress affects mood, behavior, overall health and even your way of thinking. One result of stress is teeth grinding. Teeth grinding, also called bruxism, mostly occurs unconsciously while you’re awake or while sleeping. Up to one-third of adults grind their teeth during the day and more than 1 in 10 at night. These numbers have increased since the start of the pandemic. Pandemic-related anxiety has led to an increase in tooth fractures due to teeth grinding. Dentist Laura Philip says she’s seen more tooth fractures in six weeks than in the previous six years. Identifying the signs of grinding becomes essential not only for teeth health but also a way for you to know when your stress is causing issues. How do you know when you’re grinding your teeth? Identifying teeth grinding yourself is difficult to do. After all, if this is happening unconsciously, how can you tell? A common response dentists hear from their patients is, “I never grind my teeth.” But dentists can see a different story. Here are some symptoms to identify yourself: Headaches Sleep issues Sore jaw Chipped teeth Abnormal bite If you do find yourself with these symptoms, visiting a dental professional will help clarify your issue. Dentists check your teeth for cracks, chips, loose teeth and excessive wear. What are the effects of teeth grinding? Catching teeth grinding early is essential to preventing further teeth complications. As grinding continues, teeth begin to wear away. Your once enamel-protected tooth becomes worn down, and dental procedures will be needed to protect it from disease. These include bridges, crowns and root canals. If the grinding becomes so severe, tooth loss could be a result. You’ll then need implants or partial dentures. Other potential problems occur with the jaw and muscles in your face. Temporomandibular (TMD) is a disorder that causes a clicking or popping sound when the mouth opens and closes. Difficulty in chewing or an uncomfortable bite ensues. What you can do to prevent teeth grinding If you find yourself grinding your teeth, the good news is you can prevent it. Here are some ways to accomplish this: Manage your stress. It’s easy to forget about stress because when you’re stressed, it’s difficult to slow down. Set scheduled breaks throughout the day to remind yourself to relax. Take some deep breaths and grab a drink of water. Eating healthy and exercise helps regulate your stress as well. Even try mindfulness while brushing your teeth. Work on better posture when sitting. When you lean forward while sitting with bad posture regularly, this puts excessive strain on muscles and joints in the head, neck, shoulders and jaw. Posture exercises will help your body loosen up and thus help lower the risk of teeth grinding. Even taking a break to stand and “wiggling” your body to loosen up can help. Purchase a mouthguard to protect your teeth. Mouthguards are a tool in the toolbox to combat teeth grinding, but it won’t solve the issue. Your teeth are still grinding away. That said, mouthguards do help slow the wear and tear. There are different varieties available including over-the-counter mouthguards. But some over-the-counter mouthguards can make underlying conditions worse. It’s best to visit a dentist that can diagnose the issue and provide a custom-made mouthguard that fits your teeth. Dental insurance gets you into the dentist Stress or no stress, teeth grinding can happen to anyone. And as noted, you may not know it’s occurring. Dentists help you identify signs of teeth grinding and provide you with solutions to keep your teeth healthy—and dental insurance gets you into the dentist. Dental insurance actively promotes preventive care with cleanings and exams typically covered 100% (depending on your plan) multiple times per year. This ensures your teeth stay strong. If you are in need of a dental procedure due to teeth grinding, dental insurance helps cover your out-of-pocket costs. If you’re looking for the right dental insurance plan, the Direct Benefits Marketplace carries a variety of brands to give you more choice. Compare the best plans side-by-side and don’t be afraid to give us a call or use our chat feature on the website. We have experts standing by that love talking dental insurance and finding dental solutions for you.

Clean Teeth, Happy Heart, Healthy You!

Clean Teeth, Happy Heart, Healthy You!

As we assess our overall health, heart health typically springs to the top—and for good reason. The heart is the powerhouse of the body and pumps nutrients and oxygen throughout the day and through the night. What about teeth health? Did you ever think there could be a connection between your teeth and your heart? Before we dive in to the connection, check out these heart facts from the CDC: Heart disease is the leading cause of death for men and women in the U.S. One person dies every 36 seconds in the United States from cardiovascular disease Someone has a heart attack every 40 seconds Coronary heart disease is the most common type of heart disease, killing 365,914 people in 2017 As you can see, the heart is a major concern for a lot of people across the U.S. We want the heart healthy, and dental health is in fact one major piece of the heart health strategy. Oral health linked to heart health There are many facets to complete heart health that you probably know well: exercise regularly, eat healthy, avoid smoking, drink alcohol in moderation, and manage your stress.  Now add oral care to that list. Numerous studies have shown a link between bad bacteria from the mouth entering the bloodstream and attaching to the heart that either causes inflammation or infection. Just as the heart works hard, so does your mouth. Chewing and swallowing those nutrients you put into your body puts a lot of responsibility on your mouth to perform at a high level. Trouble arises when the mouth isn’t performing at a high level (cavities, missing teeth). Gum disease is a main contributor that affects heart health. How does gum disease affect heart health? Gum disease, or periodontal disease, occurs over a period of time when food particles are not washed away, and bad bacteria begins to form and build plaque. This creates a pocket that attacks your tissue and bone. Tooth loss is a result of severe periodontitis, and chronic inflammation may set in. This not only affects the immune system, but also the heart. People that have gum disease are two to three times as likely to have a heart attack, stroke, or other serious cardiovascular events. The plaque that’s created is carried through the blood and builds up inside arteries. This fatty plaque that has formed is known as atherosclerosis and is the prime instigator of coronary artery disease. How to avoid gum disease? Gum disease is prevalent among Americans. 47.2% of adults aged 30 and older suffer from some form of gum disease. What can you do to prevent gum disease? Brush and floss twice a day Use mouthwash as needed Be mindful of what you put into your body (smoking, diet) See your dentist regularly You’ll see that the at-home dental care routine is essential to prevent gum disease. But seeing a dentist is also important. This is because once plaque is established, it can harden and form “tartar.” Unfortunately, tartar can not be removed by brushing and flossing at home. You must visit a dental professional such as a dentist or a dental hygienist to remove the tartar. If you have severe gum disease, surgery may be needed to reverse the infection. If the disease gets too far along, compounding issues occur: tooth loss and bacteria moving to other areas of the body. Dental insurance helps your teeth and your overall health Dental insurance, unlike health insurance, puts emphasis on preventive care. Dental insurance ensures you get into the dentist for regular cleanings and checkups. Plus, Dentists not only check on your teeth and gums, but they can also diagnose diabetes, cancer, HIV, anemia and chronic kidney disease. If you’re looking for dental insurance to help protect your teeth and your overall health, the Direct Benefits Marketplace makes it easy for you to choose the plan that works for you. With a variety of brands to choose from, your dental solution is here.

5 New Year’s Resolutions for Dental Health

5 New Year’s Resolutions for Dental Health

New year’s resolutions are a way for people to look back at the past year, reflect and make appropriate changes for the following year to better themselves. Some of the more common resolutions you may have said yourself might be to exercise more, eat healthier, learn a new skill or travel more. What about new year’s resolutions centered around dental health? Sound boring? Well, did you know oral health is directly linked to overall health? In fact, oral health has been linked to the cause of these diseases and conditions: Cardiovascular disease Endocarditis Stroke Diabetes Pneumonia Pregnancy and birth complications With improving your oral care as your new year’s resolution, you’re adding an additional layer of protection for your overall health that will allow you to be more productive and most importantly, healthy. So cheers to your oral care 2021 new year’s resolution and these 5 tips! 1. Revamp your dental care hygiene routine We all know brushing and flossing on a regular basis is the foundation for good dental health. So why not treat yourself and purchase a toothbrush that will get you excited for brushing your teeth. Maybe you’re thinking about switching to an electric toothbrush, but it’s too expensive. Is there anything in your budget that you could cut out to replace the expense? According to the American Dental Association (ADA), electric toothbrushes clean better than manual toothbrushes. The pulsating action breaks up plaque and sweeps it away, something a manual toothbrush can’t do as effectively. The same goes for flossing. If you don’t floss because you hate it, there are other options out there: Dental pick Water flossing Interdental brushes Tape floss Investing in a floss option that will motivate you to floss more is a step in the right direction. And let’s admit it: brushing is so much easier than flossing. But bacteria gravitate to those places that are hard to reach and where food typically gets lodged and missed by your toothbrush. Flossing rids these particles and does not allow bacteria to build plaque. 2. Make your teeth dance with a deep cleaning twice a year Your brushing and flossing routine is flawless, yet you still find a pain growing in your bottom molar. You head to the dentist and they say, you’ve got a cavity. But wait! I’ve done everything you’ve asked. Brush and floss daily and visit the dentist twice a year! Two words: Streptococcus mutans This little booger is the main contributor to tooth decay and breaking down your enamel. And dentists happen to be the best Streptococcus mutans hunter you’ll find (and dental hygienists). So get to your dentist and ensure those extra difficult places get cleaned by a professional. 3. Restore your teeth for ultimate strength As mentioned above, sometimes no matter what you do, bacteria will prevail and cause your teeth some concern. But it doesn’t mean you failed and that’s the end of the line for your tooth. There are plenty of oral care techniques that stop corrosion and help keep your teeth strong and healthy. Armor for tooth Fillings are needed to fill a decayed tooth before further damage occurs. If a tooth has been left alone for too long, a crown will be needed. And bridges help keep crowns in place on multiple teeth. Replacements for tooth If a tooth needs replacing, a dental implant may be needed. Implants help maintain and strengthen bone structure, provide the ability to chew food and provides the confidence a smile can bring. Dentures are another option for replacing teeth in bad condition. 4. Be mindful of what you put into your body For this section, you can throw in the kitchen sink with your new year’s resolutions: quit smoking, eat healthier, drink more water and limit sugary foods and drinks all suffice as oral care essentials. Even eating crunchy fruits and vegetables helps saliva production with your teeth—which helps wash away food debris. Combining these actions with a regular oral care routine will keep your teeth clean and healthy. 5. Saving and staying healthy with dental insurance You’re only as strong as your weakest link. If you have a tooth that’s hurting, even though 97% of your teeth are still OK, that one tooth will still bring your spirits down. When your tooth hurts, a trip to the dentist is typically required. But, some people don’t make it to the dentist as: 59% say cost affects their decision 22% are afraid 19% cannot find a convenient location or appointment time Dental insurance can help with these issues: 1) Dental insurance brings down the cost with network savings, coinsurance and annual maximum money that is yours to use throughout the year; 2) By choosing a dental insurance network that is expansive, your options will automatically multiply so you can find a dentist close to you that also saves you money; 3) And although dental insurance may not help with dental phobia itself, knowing that you have dental insurance that will save you money may help ease the anxiety you experience. One place to get all the information you need plus purchasing dental insurance is the Direct Benefits Marketplace. We offer plans you can compare side-by-side, and a call center team that are licensed agents who don’t get paid on commission. They will provide superior guidance to help you in your decision of which dental insurance product is right for you and your family. Your dental solution is here!

How Do Insurance Deductibles Work for Dental & Vision Plans?

How Do Insurance Deductibles Work for Dental & Vision Plans?

Shopping for dental or vision insurance on your own can be daunting, especially if you come across terms that you aren’t familiar with. A couple of examples are maximums and deductibles. What do these terms mean, and how do they factor into your out-of-pocket costs?    What is a dental insurance deductible? Here’s a basic insurance deductible definition: this is the amount of money that you’ll be required to pay annually before certain types of coverage will kick in.  As you work on calculating how much dental insurance will cost, remember to include the deductible along with the premium. However, unlike a premium, which is what you pay to be enrolled in a plan, a deductible is paid towards professional care in the dentist’s chair.  Here’s an example: if you sign up for a plan that has an annual $200 deductible, certain types of dental care won’t be covered by the insurance until you meet that deductible. How do you meet it? Well, whenever you see your dentist for treatments that aren’t immediately covered, you’ll need to pay for them out-of-pocket. But, once you spend the $200, your insurance will take over and help pay for future treatments.  Note: Once a new year starts on your plan, your deductible will reset.  How do insurance deductibles work if you have a family dental plan? If you’re planning on signing up for a policy that will cover your whole family, read the details to learn about the deductible. You’ll likely find that there’s an individual deductible, along with a family deductible. It’s a little more complicated, but once you get the hang of things, it’ll make sense.  As individual members of your family receive dental care, and pay towards their individual deductibles, that money will also be applied to the family deductible. Then, once the family deductible is reached, deductibles will no longer apply for anyone, and your insurance will provide the additional coverage.   Here’s an example: if your household of four has a family deductible of $200 and an individual deductible of $100, if two members of the household meet their individual deductibles, the family deductible will also be met.  Remember: Before the family deductible is met, if an individual deductible is fulfilled, that person will receive the additional coverage, while other members will still need to pay towards their individual deductibles. However, once the family deductible is met, everyone in the family, regardless of whether or not they met their individual deductibles, will reap the benefits of the extra coverage. Does all dental work count towards the deductible? The answer to this question depends on the plan that you sign up for.  With some plans, you might be able to receive certain types of care by paying a copay at each visit, without needing to worry about a deductible. Also, many plans will cover preventive care at 100%. On the other hand, you might find that restorative treatments, such as crowns, will only be covered after you’ve met the deductible.  Knowing which out-of-pocket payments count towards the deductible will give you a better idea of how much you’ll need to budget. For example, if you need a treatment within a category of care that comes with a copay, it may or may not count towards the deductible.  Are there plans with no dental insurance deductible? Yes, you might be able to find plans that don’t have a deductible! A DHMO may not have a deductible to worry about, while a DPPO usually has one.  Deductibles vary from one plan to the next as well, so you can search for policies that have the lowest deductibles if that’s what you’d prefer.  What is a dental annual maximum? A dental insurance annual maximum refers to the amount of money that the provider will pay in a year to help cover the cost of care you receive. This, too, will vary from one plan to the next.  If you’re the type of person who typically needs a lot of expensive care, opting for a plan with a higher annual maximum can help you save more money.  Example: a plan that has an annual maximum of $5,000 will pay out that much money before you’ll be responsible for any additional treatments you need.    Once your plan renews at the start of a new year of coverage, the annual maximum will be reset.  What should you do when you max out your dental insurance? The good news is that many people don’t end up hitting the annual max on their dental plans. However, if you do, you’ll be responsible for any care you receive from that point forward, until the plan renews the following year.   If you’re concerned about being able to pay for care totally out-of-pocket, talk to your dentist. You might be able to hold off on receiving treatment until your plan renews and the annual maximum resets. Or, you might be able to schedule treatments in a way that will help you avoid hitting the annual max.    Does vision insurance have a deductible? In many cases, you won’t need to worry about a vision insurance deductible. Most plans don’t include this cost. However, you may have other expenses, such as copays, and there might be an annual maximum too.      Use the Direct Benefits Marketplace to shop for dental and vision plans Looking at all of the details that make dental and vision plans unique can be tedious. That’s why the Direct Benefits Marketplace makes it simple to browse and compare policies, whether you’re searching for dental insurance with no waiting period and no maximum or vision insurance with no deductible. 

Oral Cancer Signs, Treatment & Insurance Coverage

Oral Cancer Signs, Treatment & Insurance Coverage

Oral cancer can occur in the mouth or throat, such as on the cheeks, gums, tongue, lips, roof of the mouth, or base of the mouth. A person can be diagnosed with this cancer at any age, but the risk tends to increase as you get older. And the risk is also higher if you drink heavily or if you’re a smoker.   Once it starts to grow, it can spread, so it’s wise to check your mouth at home for oral cancer signs, as well as have your whole mouth examined by a dentist. This strategy can help boost the odds that you’ll recognize the earliest signs of this disease so you can receive treatment sooner.  Continue reading to learn more about the early signs of oral cancer, and how your dentist can help.  What does oral cancer look and feel like? It’s a good idea to become familiar with some of the main symptoms that are associated with oral cancer so you can keep an eye out for them.  This type of cancer can provide some warning signs, so if you notice something is wrong, visiting a doctor or dentist right away can help you get a proper diagnosis, as well as start treatment immediately, if necessary.  Here are some of the things to look out for as you check the inside of your mouth in the mirror at home: A red or white patch or spot that is painless and flat Thickening of the skin A lump or swelling Rough or crusted spots Bleeding in the mouth or throat A sore that isn’t healing and bleeds easily Tenderness, pain, or numbness that develops in the lips or mouth Other symptoms that might occur include: Sore jaw Sore throat Earache Hoarseness Loose teeth A change in your bite Trouble chewing, speaking, swallowing, or moving the jaw or tongue Note: Some experts recommend waiting about two weeks to see if the symptoms resolve on their own. But if you feel like you need to see a dentist or doctor sooner, definitely do so. Is oral cancer curable? It is possible to treat oral cancer, and be cured, especially if you catch it in time. The goal is to become aware of the problem in its earliest stages before it has had a chance to spread.  Oral cancer treatment options might include surgery, radiation and chemotherapy. Remember, the sooner you can receive treatment, the better!  How is oral cancer detected early? To look for oral cancer signs, try to check the inside of your mouth regularly, and don’t forget to examine your lips as well. By doing so, you can become familiar with what your mouth looks like, and that knowledge will help you keep track of what’s normal and what’s abnormal for you.  In addition to checking your mouth at home, seeing your dentist on a regular basis, such as twice a year, is a smart move because dental professionals know how to carefully examine your mouth for indications that something is wrong. They are trained to look for early oral cancer on gums, the tongue, and other areas of the mouth.  At your routine dental check-up, it’s also best to discuss any symptoms that you’ve experienced, or anything that you noticed in your mouth that doesn’t appear normal to you. Be upfront, as there’s no need to feel embarrassed!  In the event that your dentist finds something that may be cancerous, he or she might take a sample of cells from your mouth, or you might be referred to a specialist for further evaluation and a biopsy.  Can dental Insurance help? Because your dentist can perform an oral cancer screening at a check-up, yes, dental insurance can certainly come in handy! Preventive care that includes check-ups and screenings is usually covered at 100%, so you can save a lot of money, and you won’t need to sacrifice seeing the dentist often.  Being able to afford dental care is so important because simply seeing the dentist can make a big difference when it comes to catching problems as early on as possible. Plus, your dental insurance, along with your medical insurance, might step in to support you financially if you’re ever diagnosed with oral cancer and need to undergo treatment. This can be especially helpful for seniors on a fixed budget.  Bottom line: going to the dentist is about more than just keeping your teeth and gums in tip-top shape; it can also help catch oral cancer before it’s too late! So, if you don’t already have insurance that can help make appointments more affordable, consider browsing the many plans on the Direct Benefits Marketplace to get started.   

Coverage for Young Adults on Parents' Dental Insurance

Coverage for Young Adults on Parents' Dental Insurance

How Long Can You Stay on Your Parents’ Insurance? Individuals over the age of 18 have the option of staying on their parents’ insurance plans, and this is great news for young adults who are heading to college or starting a career. But how long can you stay on your parents’ insurance, and are there restrictions that would limit your ability to continue receiving the same coverage?   Generally, adult children can remain on their parents’ insurance plans until they are 26 years old.  Can you stay on your parents' dental insurance after 26? How long can you be on your parents’ insurance, according to the Affordable Care Act (ACA)? The age limit is 26 for health insurance, and this can be the case even if you’re married, employed, and no longer living with your parents.    What about dental insurance? Well, the ACA didn’t set the same rule for dental coverage, so providers can determine the age limit. However, the good news is you might be able to find dental insurance providers that will let you stay on the same plan with your parents until you turn 26.    After your 26th birthday, you’ll need to search for a plan of your own. But there are some exceptions to this rule, as you’ll see below.  When do you lose insurance through your parents? The answer to this question depends on the state in which you live and the insurance provider you use. Different plans might have different age restrictions for dependent children, so check the details of your policy carefully to figure out when you’ll no longer be eligible for coverage.   Although you might be able to stay on your parents’ plan until you turn 26, this isn’t always the case. Some insurance companies might not let you stay on the plan once you turn 19, especially if you were on a plan that provided pediatric dental services. Others might let you stay until you turn 30.   Exceptions to the insurance age limit  While 19 and 26 are common age limits when it comes to how long you can stay on your parents’ insurance, there are some exceptions. For instance, you might find dental plans that allow you to stay on until you turn 30, but you might need to meet certain criteria, such as being a full-time student. Also, some states extended the age limit to allow children to stay on their parents’ policy longer. Again, you may need to meet certain requirements (e.g., being unmarried, not having dependent children, being a full-time student, etc.). Check your state’s rules to determine eligibility.   Here are some examples of states where you might be able to stay on your parents’ plan past age 26: Wisconsin: 27 years old Florida, Nebraska, Pennsylvania, New York: 30 years old New Jersey: 31 years old Dental insurance options if you can't or don't want to stay on your parents' plan If you can’t or don’t want to stay on your parents’ dental insurance plan but you’re worried about the cost of getting your own, rest assured that there are affordable options.   In the event that your employer doesn’t offer dental benefits, you can buy a plan directly from an insurance provider. You don’t need to wait for any special enrollment period for dental insurance, so you can sign up at any time. And you can easily perform your search for the ideal policy on the Direct Benefits Marketplace, where you can browse and compare plans.  Consider the level of coverage that you’re used to getting with your parents’ plan so you can hone in on policies that are similar. You can also search for plans that are accepted by the dentist you’ve been using so you won’t have to switch. Plus, if you can time it out properly, you might not have any gaps in coverage.    Do young adults really need dental insurance? When you’re young and healthy, you might not think too much about dental insurance. But the truth is that oral health problems can develop at any age, and your teeth and gums change as you get older.  Dental insurance covers multiple levels of care, including preventive, basic services, and major services. Some plans also cover adult orthodontics, dental implants, and certain cosmetic procedures.  Seeing the dentist regularly, in addition to brushing and flossing daily, can help you maintain a bright and beautiful smile. And having the right insurance could help you save a substantial amount of money, especially if you end up needing expensive restorative treatments.   Common questions about parents' dental insurance coverage   Is it worth staying on your parents' insurance? Sometimes, it’s worth staying on your parents’ plan, especially if you can’t afford your own insurance and your employer doesn’t provide this benefit. If you can’t find a comprehensive policy that will give you the coverage you need at a price you can afford, you might want to stay on the same plan until you reach the age limit.  Do I have to be a full-time student to stay on my parents' insurance? You may not need to prove that you’re a full-time student to stay on your parents’ insurance until you’re 26 years old. However, it’s best to check your state’s rules, as well as the age limits of any dental plan you’re interested in, to be sure you’re eligible.  Can I stay on my parents' insurance if I have a job? Yes, you may be able to stay on your parents’ plan even if you have a job and you were offered benefits. In other words, you don’t need to be unemployed to be eligible.   Start shopping today and find the dental plan for you with Direct Benefits Marketplace!

Dental & Vision Self-Employed Insurance Options

Dental & Vision Self-Employed Insurance Options

When you’re self-employed, you’re used to making big decisions for yourself, especially when it comes to your dental and vision insurance because an employer isn’t there to cover those benefits for you. Although it might be a little scary to think about the costs of buying insurance for yourself and your family, the great news is that there are a lot of affordable choices available for people just like you. When it comes to dental and vision insurance options, you don’t need to miss out, and you don’t need to break the bank to get the coverage you want. To tackle this important topic, we’ve compiled a list of frequently asked questions surrounding self-employed insurance. Check out the information below to see how easy it is to make sure you’ll be able to maintain your oral and vision health.  Can I Buy Dental Insurance on My Own? Absolutely! Self-employed insurance plans are available to entrepreneurs and those who run their own businesses, as well as those who work as freelancers or independent contractors. You don’t need to be traditionally employed to get high-quality, comprehensive coverage!  In fact, when searching for dental and vision insurance for self-employed individuals, you’ll likely realize that you can get similar plans to those that employers can buy for their employees.   Does Self-Employed Health Insurance include Dental? As you shop for health insurance, you might find plans that include dental coverage. This may be a convenient option if you want to get everything from a single provider, with one premium to pay each month. Just be sure to read the details so you’re aware of any limitations. Alternatively, you can search for separate dental insurance plans that don’t come as part of your health insurance package. You might discover that a standalone dental plan provides you with the level of coverage that you prefer, at a price you can afford.  What Is the Best Insurance for Self-Employed Workers? The best insurance for individuals who are self-employed is one that’s affordable and comprehensive. Here are a few things to keep in mind while you look at the options that are available: Self-employed dental insurance plans  There are different types of dental insurance plans, such as HMOs, PPOs, and indemnity plans. Each has its own pros and cons to consider. For example, compared to an HMO, you might have more freedom to use a dentist that’s out-of-network with a PPO, but you may not get the same amount of support as you would if you went to an in-network provider. On the other hand, with an indemnity plan, you might be able to choose any dentist you want, and the insurer will cover a percentage of the cost. With dental insurance, there are different categories of care that you can receive. These are known as preventive care, basic procedures, and major services. Coverage for each category will vary from one plan to another. For example, an insurer might cover 100% of preventive care, 70% of basic procedures, and 50% of major services, and you’d be responsible for anything that the insurer doesn’t cover. If you have a particular dentist that you want to continue using, it’s wise to search for a plan they accept. It’s also a good idea to check if you’d need to get a referral to see a specialist. Dental insurance plans typically come with various out-of-pocket costs, such as a monthly premium, co-pay, deductible, and coinsurance. And there may also be an annual maximum that dictates how much the insurer is willing to spend each year to help you get the care you need. Self-employed vision insurance plans  As is the case with dental plans, a vision plan will come with out-of-pocket costs, such as a monthly premium, deductible, copay, and coinsurance, and there might also be limits on the amount of support you can receive annually. Vision plans might have limits on the types of coverage that they provide for things like exams, glasses and contacts, and laser vision correction procedures. It’s a great idea to see if there are limits in coverage if you see an out-of-network provider, or if you need a referral to see a specialist. If there’s an eye care professional that you want to continue using, consider enrolling in one of the plans that they accept. Is Dental Insurance Deductible for Self-Employed People? Are dental insurance premiums deductible for self-employed individuals? Yes, in the same way that you may be able to deduct the costs of health insurance and medical care, you might be able to take advantage of a self-employed dental insurance deduction and/or vision insurance deduction come tax time. Plus, you might be able to deduct some of the out-of-pocket costs that you incurred throughout the year when receiving dental and vision care.  Discuss this with your accountant or a tax expert for personalized guidance, as that is the best way to determine if you qualify for these types of deductions, which might help you save money.  Start Shopping for the Best Insurance for Self-Employed Pros! It’s extremely important to take great care of your teeth and gums, as well as your eyes and vision. But dental and vision costs can quickly add up when you’re paying for them completely out-of-pocket, Thankfully, there are low-cost vision plans, as well as affordable dental insurance plans for self-employed people.  When it comes to getting self-employed dental insurance, or vision insurance for self-employed professionals, the process is straightforward. You can use resources like the Direct Benefits Marketplace to browse the many options that are available in your area, and you can compare plans to see which ones suit your needs, preferences, and budget best. Then, once you’ve made a decision, you can enroll quickly and easily, at any time of year, and start reaping the benefits of your coverage before you know it. 

Why Dental Insurance for Kids is Important

Why Dental Insurance for Kids is Important

Kids of all ages can end up with cavities and gum problems if their teeth and gums aren’t taken care of properly. That’s why, in addition to teaching your children about the importance of brushing and flossing, it’s necessary to take them to the dentist regularly so they can receive professional level care.  If you’re like a lot of parents, you might be concerned about the cost of high-quality dental care for kids, but dental insurance can help you afford every visit without breaking the bank. That’s right: in the same way that adults benefit from having dental coverage, kids can too!  To better understand the perks of signing up for dental insurance for kids, check out the FAQs below.  Does Health Insurance Cover Kids Dental Care? Under the Affordable Care Act (ACA), dental care for individuals up to 18 years of age is considered essential, so insurance companies have to offer dental insurance for kids. However, buying this type of insurance is optional, so you won’t get hit with a penalty if you don’t have pediatric dental insurance. Also, in most states, you won’t be required to have this insurance, but check your local laws to be sure.  If you do want to get this insurance for your kids, you can get coverage that comes as part of a medical plan, or you can decide to purchase a standalone plan that’s separate from your medical insurance policy. It’s important to compare the level of coverage offered by both of these options. You might discover that a standalone dental plan is more comprehensive.  Do Kids Need Dental Insurance? Maintaining dental health for kids is extremely important. Therefore, having dental insurance can be helpful, especially when it comes to affording expensive checkups, treatments, and orthodontics.  Dental insurance can be there to help cover the cost of the following:     • Exams         • X-rays        • Cleanings     • Preventive care     • Treatment for cavities and early childhood caries     • Emergency treatment of injuries and damage caused by accidents     • Fluoride treatments     • Orthodontics for aligning teeth and fixing bite problems  When Should I Get Dental Coverage for My Child? By now, you might be wondering if you need to go ahead and get dental insurance for a baby or toddler. And you might be thinking about what’s covered under pediatric dental insurance.  When do kids need dental insurance? Well, you can get coverage for your baby so they can visit the dentist by the time their first tooth grows in. Plus, getting this type of insurance so early on in a child’s life can be a smart move because the dentist will keep an eye on their mouth as it grows, and will also be able to identify the earliest signs of problems that need to be treated promptly.   Whether your children end up with cavities in their baby teeth, your dentist realizes that they would benefit from orthodontics, or anything in between, having the right insurance can give you peace of mind. You’ll receive support that can help you afford all of the appointments and treatments necessary to maintain your kids’ oral health.  Getting Dental Insurance for Kids Is Easy! Shopping for dental insurance that will cover your children is simple, especially if you’re already accustomed to buying insurance for yourself and your family.  You can start by comparing plans on the Direct Benefits Marketplace. Consider how much you can afford in out-of-pocket costs, the level of coverage that you’d prefer, and the dental professionals that you want to continue using.  Once you’ve found the right plan, you can sign up quickly and easily. Then, you can start taking your kids to the dentist without always worrying about how much it’s going to cost.  

Open Enrollment | 7 Terms You Should Know for Dental Insurance

Open Enrollment | 7 Terms You Should Know for Dental Insurance

Open enrollment begins for millions of people across the country. Open enrollment allows people to purchase new health care plans or change their current coverage. There is a set enrollment period, and for most people this year, it’s November 1 through December 15. Dental insurance can be purchased at any time of year, but for a lot of people, open enrollment puts dental insurance top-of-mind as they’re researching the options that are available to them.  Dental insurance, for the most part, act as health care plans do. Let’s look into some important terms to gain a better understanding as you’re looking for dental insurance.   Deductible A deductible is the total amount you pay before the dental benefits carrier begins to pay for dental treatment costs. Once your deductible is met, insurance kicks in to help cover the costs. These deductibles can range from $25 annually to a one-time lifetime $100 deductible, and some plans don’t require a deductible at all.  Preventive, Basic & Major Coverage Once your deductible is taken care of, you can now look at dental insurance to cover three main categories: Preventive, Basic & Major. Preventive is typically covered at or near 100 percent. From there, basic and major coverages will vary per plan. We get into this with coinsurance below, but let’s take a look at what these three categories cover:  • Preventive coverage typically includes exams, cleanings, sealants and fluoride treatments.  • Basic coverage might include things like fillings, gum treatments, root canals and extractions.  • Major coverage usually includes bridges, implants and dentures. Coinsurance Now that we’ve defined the three major categories dental insurance covers, let’s dive into how coinsurance aligns with them. Coinsurance is the cost that you and the benefits carrier share. We mentioned above that preventive is usually covered at 100 percent. For basic coverages, you can expect to pay around 20 percent of the cost. For major services, you can expect to pay around 50 percent of the cost.  Some plans offer graduating percentages that increase by the year. Also called loyalty benefits, one such plan may cover 50 percent of the cost in the first year and increase to 65 percent the second year and 80 percent by the third year. Assessing your situation and what dental work you may need in the future will play a large part in which dental insurance you choose.  Annual Maximum The annual maximum your plan offers is the amount your carrier will pay per year. Unlike health insurance, for dental, once your maximum is met, the rest of the cost will be up to you to cover. If you’re planning for dental work in the future, here are some things to take into consideration to help lower the cost:  • Are you visiting in-network dentists to receive lower rates?  • Does your coinsurance increase the following year?  • Does your annual max increase as well?  People rarely hit their annual max unless they’re in need of major dental work. Finding the right plan that fits your time schedule is essential for getting the most value.  Waiting periods Most dental insurance plans require a waiting period for basic and major work. But some do not. When accidents happen, or pain hits from out of nowhere, some insurance plans offer no waiting periods for you to get in and get the work done that gets you on your way faster. Most of preventive care is taken care of right away. For basic and major procedures, research which plan fits with your needs.  Looking for an easy way to shop? Check out Direct Benefits Marketplace!  The Direct Benefits Marketplace makes it easy to compare dental insurance plans to ensure you pick the right one for you and your family. You can compare different policies side-by-side to clearly see what they have to offer, and you can get a better picture of what your out-of-pocket costs will be based on the level of coverage that’s provided by each insurer. Have questions? Our consumer advisors are standing by to answer the short questions and the long questions. They’re here to provide you with ultimate service and guidance.   

Preventive Dental Care is the Way to Go

Preventive Dental Care is the Way to Go

Some call it a journey. Some call it a chore. Some don’t think anything of it at all. Whatever you consider it, preventive dental care helps keep your teeth and gums healthy and lessens the risk for future oral issues.   Ever since you were little, you've been told to brush your teeth before going to bed. Little did you know then, this little routine would become the basis for your dental health as you grew older.   What’s at stake?  Our mouth is full of bacteria. Some good and some bad. The primary culprit of tooth decay and periodontal (gum) disease that we’re worried about is the result of bacterial plaque: a thin film that forms on tooth surfaces from food particles.   You get rid of the bacterial plaque with preventive dental care. Here, the American Dental Association recommends:   Brushing teeth at least twice a day (preferably bookending the day) for two minutes with fluoride toothpaste Cleaning between your teeth (flossing) Drink water with fluoride Eat a healthy diet See your dentist regularly Practicing regular dental care early on carries numerous benefits. But it’s never too late to begin! Here are some helpful tips to keep you on the right path to better dental care.   Get into a routine  Acknowledging that developing a habit is difficult may be the first step in your journey to better dental care. Acknowledging this will put it at the forefront that there will be struggles at times, and that’s OK. The important thing to remember is to keep going.   Here are five ways to help develop a habit for better hygiene practices:   Set a schedule   Stay organized Have a visual reminder Reward yourself Practice mindfulness with dental hygiene   Maybe your issue is not flossing as much. Use your toothbrush as a “trigger.” When you reach for your toothbrush to brush your teeth, simply remember to floss, put down the toothbrush and begin flossing. It’s also helpful if you just think of flossing one tooth. Hey, one tooth, and you’re done! Or, maybe you really do have time to floss a few more.   What’s the big deal with fluoride anyway?   Fluoride is a mineral that occurs naturally, found in water, soil, plants, rocks and air. It’s also found in your bones and teeth. Dentists have found fluoride helps in the fight against tooth decay.   How does this work?  Let’s take the example of indulging in a sugary drink. If no dental care action occurs, the bacteria in your mouth will begin to break down the sugar, thus releasing acids that eat away at the minerals found in your tooth enamel. Introducing fluoride to the situation remineralizes your tooth enamel, which helps prevent cavities and reverse early signs of tooth decay.   Develop healthy eating habits  Eating healthy not only plays a role in overall health but dental care too. Candy causes cavities. Coffee stains teeth. Overdoing it with an acidic drink such as orange juice will even strip away at the enamel.   Developing a plan for what you’re going to eat for the day or week will help organize your food choices and lead you to make better decisions.   If you know you’re going to have a soft drink, try to drink it with a meal. When snack attack cravings occur when we’re unprepared, bad choices happen. Grocery shop specifically for healthy snack items and then prepare them in the mornings in case you need to grab and go.   Listen to your dentist  Visiting your dentist on an annual basis (at a minimum) not only allows for professionals to analyze your teeth and clean them but also gives you a chance to receive some expert advice on how to get better with dental care. Dentists will advise on topics such as:   Which toothbrush is best   Whitening options Lifestyle habits Types of toothpaste that would work well (sensitivity) Improvement areas with at home dental care practices   Dentists are there to clean and treat your teeth, and that’s what they’ll do. But they’re also there to help coach you on making better decisions and developing a plan that works for you.   At Direct Benefits, similarly, we’re here to guide you in any questions you may have with dental insurance. We believe that one size does not fit all, and there’s a plan out there designed specifically to meet your needs. Compare, select and protect with our dental insurance options.   Have questions? Our Customer Happiness team is standing by. Chat now!    Sources:  https://www.healthline.com/health/what-is-fluoride#benefits  https://www.ada.org/en/member-center/oral-health-topics/home-care  https://modeldental.com/instill-in-your-child-the-daily-habit-of-brushing-and-flossing/ 

Mindfulness with Dental Hygiene

Mindfulness with Dental Hygiene

These days, everyone deserves a break. But finding the time to take a break—all to yourself—can seem impossible. What if there was a way to take a break in real-time, while still being productive? Practicing mindfulness with dental hygiene does exactly that.   First off, what is mindfulness? Mindfulness is defined by Merriam Webster as, “The practice of maintaining a nonjudgmental state of heightened or complete awareness of one's thoughts, emotions, or experiences on a moment-to-moment basis.” Sound intimidating? Trust us, it’s not. It’s simple and like everything else, it takes practice to get better.   Health benefits of Mindfulness & Dental Hygiene  Dentists recommend brushing your teeth for two minutes, flossing regularly and using mouthwash when appropriate. This equates to about 4-5 minutes bookending the day for dental hygiene practices. When you combine dental hygiene with mindfulness, this becomes a potent 8-10 minutes per day to recharge yourself and feel better.   Dental hygiene health benefits  May help to prevent heart disease & stroke Strengthens your immune system Regulates blood pressure  Mindfulness health benefits  Reduces stress Controls anxiety Promotes emotional health Improves sleep Can decrease blood pressure Mindfulness with dental hygiene in action  Start out by relaxing your neck and face. Breathe deep. Feel the cool air enter through your nostrils and fill your lungs. Exhale. Calmly, pick up your toothbrush. Take another deep breath. Relieve your thoughts so you’re in the present moment. Notice the noise the water makes when it’s turned on. Brush your teeth purposefully in a controlled manner. Whatever is waiting for you when you are finished can wait four minutes longer. Breathe deep. Relax.   Once mindful brushing is complete, you should feel calm and collected. If you don’t, it’s alright. Soon, you’ll see dental hygiene as an additional benefit for yourself, rather than just another thing you have to get to.   Get ready for your day | Prepare for sleep  We’ve always been told to eat a good breakfast to start the day right. It can also be said that collecting yourself before you head out for your day is also beneficial. Imagine starting your day with a clear perspective of what needs to be accomplished—putting aside the distractions to think effectively. Being mindful helps organize your thoughts to tackle what’s important.   Similarly going to bed feeling relaxed improves sleep. Giving yourself the opportunity to clear your mind and reset, even if it’s just for five minutes, will help you relax and ease into your dreams.    Feeling peace of mind with dental insurance  Dental insurance eases your worries when something bad happens. Preventative care covered at 100% will keep your teeth cleaned and avoids issues down the road. The Direct Benefits Marketplace allows you to compare, bundle, ask questions, and read over more material; we’re here for you.   Also, have you ever wondered what the American Dental Association says on the proper brushing technique?   1. Place your toothbrush at a 45-degree angle to the gums.  2. Gently move the brush back and forth in short (tooth-wide) strokes.  3. Brush the outer surfaces, the inner surfaces, and the chewing surfaces of the teeth. 4. To clean the inside surfaces of the front teeth, tilt the brush vertically and make several up-and-down strokes.    Sources:  https://my.clevelandclinic.org/health/articles/11264-oral-health--risk-for-cv-disease  https://drania.com/better-oral-health-can-boost-your-immune-system/  https://www.healthline.com/nutrition/12-benefits-of-meditation#TOC_TITLE_HDR_12  https://www.nytimes.com/2016/09/21/well/mind/how-to-be-mindful-while-brushing-your-teeth.html  https://www.ada.org/sitecore/content/home-mouthhealthy/az-topics/b/brushing-your-teeth       

Smile! Back to School with Healthy Teeth

Smile! Back to School with Healthy Teeth

The first day of school brings so many emotions for everyone involved. The children going to primary school are thrilled to see their friends. The teenagers going to high school are nervous about everything. The parents are happy to have the kids back in a routine. And the young-adult off to college is happy to be away from home. Covid-19 is here, and we’re all adjusting and finding a new normal. However you’re going back to school this year, healthy teeth still play an integral role in delivering confidence for that first day. Let’s dive in to see how. Fresh breath By now, we all realize a mask has put our bad breath on notice; first-period desk mates rejoice. And people are responding by brushing their teeth more. There are plenty of causes for bad breath to watch out for: Poor hygiene   Garlic, onion, and dairy products Dry mouth Sinus infections Braces with hard to reach spaces to clean   And while brushing your teeth carries positive hygiene impacts, the fresh breath you also receive allows you to think about the task at hand more clearly. Whether that’s talking to a potential new best friend, or learning about 18th century literature, fresh breath will keep you focused and not distracted. Mouth appearance Social awareness, depending on where you are in the school system, ranges from zero concern wearing your favorite cartoon t-shirt, to spending an hour-minimum getting ready for the day. Neither is wrong, but appearance can trigger a lot of emotions. Some kids cannot keep up with dental hygiene resulting in a negative body image. This leads to self-esteem issues, anxiety and depression. Avoid this with healthy teeth: work to develop a routine of self-dental care and keep up with regular dentist checkups. Stay positive Let’s be honest—it’s hard to be happy if your tooth hurts. And if your tooth hurts, you’re probably not paying attention when the teacher calls on you to spell D-R-A-G-O-N. For the first day of school, you want to be on your best behavior and not have to worry about your teeth. The domino effect of having healthy teeth provides positivity for your mind-set and for your overall health. Dental insurance for you Depending on your situation, there’s a dental plan for you. Maybe you’re wondering how much dental care will cost, or which plan is right for you and your family. The Direct Benefits Marketplace simplifies the process by allowing you to compare various plans that are available in your area. Our customer happiness team is also here to answer any questions you have. So have a great first day of school, and make sure your teeth aren’t holding you back! Sources: https://patient.info/news-and-features/how-your-teeth-can-affect-your-self-esteem https://www.dentalhealth.org/healthysmile

How Much Does a Dental Crown Cost? Learn Your Estimated Dental Crown Cost With & Without Insurance

How Much Does a Dental Crown Cost? Learn Your Estimated Dental Crown Cost With & Without Insurance

Updated Feb 2023 When your dentist tells you that a tooth is severely damaged, perhaps from an injury or extensive decay that can't be fixed with a filling, they may recommend a dental crown as the best way to restore it. A dental crown (or cap) is a device that covers all or part of an existing tooth to recreate the shape of the original and keep your mouth healthy. Don't worry. The crown will be durable and look just as natural as your naturally grown tooth. Plus, you can care for it by simply brushing, flossing and seeing your dentist for regular cleanings as you usually would. It's easy to see why dental crowns are so popular. But if you're interested in this restorative treatment, you're probably thinking, "How much does a dental crown cost?" — and whether or not you can afford it. We'll review the average dental crown cost with insurance and without. Article Contents: How Much Do Dental Crowns Cost Without Insurance? How Much Does a Dental Crown Cost With Insurance? How Much Does a Dental Crown Replacement Cost? Is Getting a Dental Crown Worth It How much do dental crowns cost without insurance? First, let's talk about the average dental crown cost without insurance. Without the financial backing of individual dental insurance plans, many patients requiring treatment must pay the total amount out of pocket. Generally, the cost of dental crowns without insurance can range anywhere from $500 to $3,000 or more for a single crown. However, the price will vary based on several factors, such as the dental professional you use, the location, the material that's used to make the crown and the tooth that the crown is restoring (e.g., a front tooth crown may cost more or less than one in the back). Additionally, the materials your dentist uses can affect tooth crown cost. Without insurance, these materials can either make things more or less expensive. When you go in for your treatment, your dentist will tell you about the pros and cons of each type of crown to help you decide which is best for your situation. So, let's answer the question, "What is the average cost of a crown without insurance?" for all the different types of materials.  Porcelain or ceramic In general, dental crowns made from tooth-colored porcelain are among the most favorable options – and the most expensive. The nice thing about choosing a porcelain crown is that it will look the most natural in your mouth and blend in well with your other teeth. Porcelain crowns are generally used for front teeth. The average porcelain dental crown cost without insurance can range from $800 to $3,000. Porcelain fused to metal You might be able to save some money if you choose to go with a dental crown made of porcelain fused to metal rather than just a porcelain one. Although these crowns are strong, durable and natural looking, a drawback is that they may cause a gray line to appear along your gums. Porcelain fused to metal crowns can go anywhere in the mouth. Dental crowns made from porcelain fused to metal cost, on average, $500 to $1,500.   Metal or gold The cost of a metal crown depends largely on the type of alloy used. Naturally, gold dental crowns will cost more than those made from base metal alloys like nickel-chromium or cobalt-chromium. Choosing a metal dental crown may be an excellent way to go if you want a durable option. However, remember that it won't have the color of a natural tooth. Metal crowns are typically used for molars.  The average metal tooth crown cost without insurance can range from $600 to $2,500.    Zirconia Like porcelain, zirconia crowns are made from ceramic. A zirconia crown may be what you need if you'd prefer a crown that combines metal's durability with the look of porcelain. Zirconia tends to be used for molar crowns because of its strength.  Like a porcelain crown, the average zirconia dental crown cost without insurance will range from $800 to $3,000.   Note: When you get a dental crown, you'll need to see your dentist more than once. The process involves multiple steps, such as preparing the tooth, taking an impression for the crown to be made, applying a temporary crown and placing the crown while ensuring the fit is right. Sometimes, other procedures, such as minor gum surgery, may be necessary too.  Without insurance, costs can begin to add up very fast. Not only will you have to pay the cost of dental crowns without insurance out of pocket, but you'll also need to cover additional fees for exams, X-rays and procedures before and after the crown is set in place. How much does a dental crown cost with insurance? We've talked a lot about how much a dental crown could cost you if you pay out of pocket, but how much does a tooth crown cost with an insurance plan? The amount of money you'll be able to save on a dental crown with insurance depends on the plan you're enrolled in, along with some other factors. For example, if a dental crown is categorized as a major service with your plan, you might be able to save at least 50% on the cost. In other words, if your crown costs $2,000 without insurance, you might need to only pay $1,000 with the help of full insurance coverage. To get the best deal, you'll want to compare dental insurance plans to choose what fits your unique situation. Consider the cost of using an out-of-network dentist versus one that's in-network. Also, check the copay, deductible, coinsurance and annual maximum, as well as other restrictions and exclusions, to calculate how much you can save. Some plans may provide more coverage than others, and some might only cover crowns that are medically necessary rather than cosmetic. How much does a dental crown replacement cost? A high-quality crown will last many years, but it might eventually need to be replaced because of age or damage. Generally, the price of a dental crown replacement is the same as when you get a crown for the first time. This is why older individuals need to remain covered with proper dental insurance for seniors. Tip: Read the details of your dental plan carefully to see if there are any limits on coverage for replacement dental crowns. For example, an insurer might require you to wait a certain amount of time to become eligible for a replacement crown.  Is getting a dental crown worth it?  Absolutely! Dental crowns are the best way to restore your teeth (and smile). If you need a root canal, your tooth is cracked, or you want to get a dental implant to replace a missing tooth, a crown is a great solution. If you take good care of your crown, it can last upwards of 15 years.  Reduce your dental crown cost with insurance from Direct Benefits Once you know the full benefits of getting a custom dental crown, you'll understand why it can come with such a hefty price tag. Thankfully, having the right insurance plan can give you access to lower-cost dental crowns, as well as any other minor or major procedures you may need throughout your life. It's simple – getting a dental crown will always cost less with insurance. That's why it's worth checking the available plans in your area with the help of Direct Benefits. Browse our full selection of available policies that are within your budget today. You'll see how much support they can provide if you're ever in need of a crown. If you need more information about Direct Benefits dental plans, feel free to contact one of our dental insurance agents by phone or live chat. We're always happy to help. Compare Dental Plans Today   Sources: https://www.byteme.com/community/resources/article/cost-of-crowns/ https://oceanbreezeprosthodontics.com/blog/types-of-dental-crowns-and-cost-a-complete-guide-2021/ https://www.finestdentistry.com/how-much-does-dental-crown-cost/ https://lakemoordental.com/cost-of-dental-crown-price https://www.webmd.com/oral-health/guide/dental-crowns#091e9c5e80007b91-4-9 https://my.clevelandclinic.org/health/treatments/10923-dental-crowns

Invisalign Insurance Coverage & Cost

Invisalign Insurance Coverage & Cost

Updated May 2022 What are the advantages of Invisalign? If you have a less complex case of misaligned teeth, your dentist may suggest Invisalign treatment as an option. Invisalign offers a lot of benefits that make it a more attractive option than traditional braces including:   Less trips to the orthodontist throughout the treatment period  Ability to remove your aligners for several hours at a time No food or drink restrictions More subtle appearance vs traditional braces In many cases, less time needed to straighten your teeth vs traditional braces However, Invisalign treatment can be expensive so it is important to consider the cost and whether or not insurance can help cover expenses.  Does insurance cover Invisalign? Yes, you can find dental insurance that covers Invisalign. This means you have options that can help reduce your out-of-pocket costs.  Coverage amounts vary between plans. Typically, insurers cover a percentage of the cost of orthodontics. Also, keep in mind that some policies might only cover orthodontics if they’re medically necessary, so they might exclude Invisalign if it’s considered a cosmetic treatment.  Note: If you have a dental plan that covers regular braces, your insurer might cover Invisalign the same way. Just confirm that Invisalign, in particular, is included.  Invisalign cost with vs without insurance How much is Invisalign without insurance?  The amount you’ll pay will depend on various factors, which are covered below. On average, the cost of Invisalign might be $3,000 to $8,000. If you don’t have insurance, you’ll be responsible for the entire bill.   How much does Invisalign cost with insurance? If you have insurance, your provider might cover a portion of the cost of Invisalign, such as 25-50%, and this might help you save hundreds or thousands. As an example, if your insurance were to cover half of the cost of a $6,000 bill, you’d only need to pay $3,000.   Note: Insurance plans might impose limits on coverage and other restrictions, such as annual maximums, waiting periods, and lifetime maximums. You might also be responsible for a copay, coinsurance, and/or deductible when you receive orthodontic care, and these fees will vary from one policy to the next.  Factors that can affect the cost of Invisalign What can affect the cost of Invisalign? Several factors can have an impact, such as where you’re located, the orthodontist you use, and the following:  Severity of the misalignment  The more severe and complex your condition, the more expensive your Invisalign treatment will be.  For example, treatment for a minor misalignment might cost less than $3,000 and might only take a few months. But if the misalignment of your bite or teeth is severe, the cost might be closer to $5,000 or more and the treatment will likely take longer.  The teeth that are treated and the number of trays you need Another factor that can impact the cost is whether you need to straighten just your bottom or top teeth or you need to straighten both. If you need aligners for your whole mouth, the cost will be higher.   Also, the number of trays you’ll need will depend on how mild or severe your condition is. On average, people might need 20-30 trays, but you may need more or less, and this will play a role in your total cost.  Treatments needed before, during, and after Invisalign  Before you get your first Invisalign tray, your orthodontist will examine your mouth and might need to take X-rays. Also, if your teeth or gums aren’t as healthy as they should be, you might need to undergo treatments to get them in tip-top shape. And if you need other treatments, such as extractions, those will increase the total cost. Plus, after you’ve completed your treatment, you may need to get a retainer to maintain the results.  Having comprehensive insurance can help you save in many or all of these areas. High-quality plans may cover exams, extractions, fillings, and other treatments you might need before, during, and after Invisalign. Can’t afford Invisalign? You have other options If Invisalign is too pricey, consider discussing other options with your orthodontist. There are other brands that offer clear aligners, such as ClearCorrect, SmileDirectClub, SnapCorrect, and Byte. These might be priced within your budget, and your insurer might help cover some of the cost too.  Shop for Invisalign insurance on Direct Benefits Marketplace Now that you have a better understanding of the cost of Invisalign and you know that you can reduce the cost of Invisalign with insurance, it’s time to start your search for the perfect dental plan.  What insurance covers Invisalign in your area, and how can you find it quickly and easily? Check out the Direct Benefits Marketplace to compare options and enroll in the policy that’s just right for your needs and budget.

How Much Does Wisdom Teeth Removal Cost With or Without Insurance?

How Much Does Wisdom Teeth Removal Cost With or Without Insurance?

Updated Feb 2023 The four wisdom teeth are found all the way in the back of your mouth. They’re the last ones to erupt, typically by your late teens or early 20s. But the sad reality is that many people end up having problems, such as infections or impactions, with these chompers.   Sometimes, the only solution is to extract one or more wisdom teeth to restore your oral health. There are a lot of things to think about if you need to have your wisdom teeth pulled, and one of them is the cost.  How much does it cost to extract wisdom teeth? Believe it or not, the price can be surprisingly high. So, let’s dive into the average cost of wisdom teeth removal so you can get a better idea of what to expect.     How much does wisdom teeth removal cost without insurance? If you don’t have dental insurance and need to undergo wisdom tooth extraction, you’ll be responsible for paying the entire bill on your own.  The amount that you’ll have to pay will depend on various factors, such as the dental professional you use, where you’re receiving care, and whether you’ll be sedated during the procedure. Also, if your tooth is impacted or it has grown at an angle rather than straight, the cost will be higher.  A simple extraction might cost anywhere from $75 to $200, on average, for one wisdom tooth.   A surgical extraction might cost anywhere from $225 to $1,100, on average, for one wisdom tooth, and it depends on the impaction.     Cost to pull wisdom teeth based on impaction The worse the impaction, the higher the extraction price because the procedure becomes more complicated and riskier. Also, if you have an impacted wisdom tooth, you may need to go to a specialist or oral surgeon to have it removed, and that may increase the cost. On the other hand, if you have a wisdom tooth that has erupted normally but it needs to be pulled, your dentist might be able to perform a simple extraction with local anesthesia.     Here’s a breakdown of the average costs of removing impacted wisdom teeth: Soft tissue impaction If a wisdom tooth is still covered by gum tissue, removing it will require an incision that will complicate the extraction. You might also end up needing more anesthesia than you would with a simple extraction, and you may need stitches too. All of this drives up the cost.  On average, you might need to pay anywhere from $225 to $850 for a soft tissue impaction. The overall average is around $350.   Partial bony impaction With a partial bony impaction, the wisdom tooth didn’t erupt completely from the jawbone. This means that an incision will need to be made into the gums and the oral surgeon will need to get through the bone that’s covering the tooth as well. This will be even more complicated and require more time. General anesthesia or sedation may also be necessary. On average, the cost of removing a wisdom tooth with a partially bony impaction might be anywhere from $300 to $950. The overall average is around $450.     Full bony impaction The most severe impaction is the full bony impaction, which means the tooth is still in the jawbone, perhaps even on its side horizontally. The oral surgeon will need to get through the gums and the bone that surrounds the tooth, perhaps even breaking the tooth into pieces to remove it more easily. Therefore, this extraction is the most complex, and you may need to be unconscious during this procedure with general anesthesia.    On average, the cost to extract a wisdom tooth with a full bony impaction might be anywhere from $350 to $1,100. The overall average is around $550.    How much does it cost to remove all wisdom teeth? If your dentist has recommended that you remove all four wisdom teeth at the same time, you might be able to save a bit of money. But, again, the cost will depend on factors like the type of impaction of each tooth.   Here’s a breakdown of how much you might spend to have all of your wisdom teeth extracted:   Wisdom teeth that have fully erupted and need simple extractions might cost anywhere from $300 to $800, on average.    Wisdom teeth with soft tissue impaction might cost anywhere from $800 to $1,500, on average.    Wisdom teeth that show a bony impaction might cost anywhere from $1,000 to $1,800, on average.    Other fees that might be added to the cost of having wisdom teeth pulled The cost of the extraction is one thing, but you may also need to cover additional fees, such as:   Exam fees: $50 to $200, on average   Panoramic X-rays: $100 to $250, on average   Sedation: $100 to $500, on average    Does insurance cover wisdom teeth removal? How much does it cost to remove wisdom teeth with insurance? The amount of money you can save with the help of insurance will depend on the coverage provided by your dental plan. You could potentially save hundreds of dollars if your insurance will cover a percentage of the cost, such as 80% or 50%.   To be clear on how much you’ll owe versus how much your insurance will pay, check the details of the plan carefully, including the copay, deductible, and coinsurance. There might be restrictions or limitations on coverage too, and the annual maximum should be considered.  Talk to your dentist or oral surgeon about how you can reduce your wisdom teeth removal cost with insurance. If you need to have more than one tooth pulled, for example, you might be able to space out the extractions so you won’t exceed your plan’s annual maximum.  Another option is dental discount plans. These tend to be more affordable than dental insurance plans, but there are restrictions as to which dentist you can see (must stay in-network) to receive the savings.    The right dental plan can help cover the cost to have wisdom teeth removed Do you want greater peace of mind when it comes to affording dental care? Consider enrolling in comprehensive dental insurance. This simple step can help you save a lot of money, especially when it comes to impacted wisdom teeth removal. To start your search for the ideal dental insurance, check out the Direct Benefits Marketplace, where you can easily compare the options available in your area and sign up whenever you’re ready.       Sources: https://www.katycypressoralsurgery.com/how-much-does-wisdom-teeth-removal-cost/ https://www.newmouth.com/blog/wisdom-teeth-removal-cost/ https://www.finestdentistry.com/how-much-does-wisdom-teeth-removal-cost/ https://www.highlandoakdental.com/how-much-does-wisdom-teeth-removal-cost/

How Much Does a Root Canal Cost With or Without Insurance?

How Much Does a Root Canal Cost With or Without Insurance?

Updated Feb 2023 Being told that you need a root canal is definitely a bummer. But the truth is this procedure can fix a severely damaged or decayed tooth so you won’t need to extract it. So, it can’t be all that bad, right?  Basically, during a root canal, a dentist or endodontist (a specialist in root canals) will remove the pulp that’s inside your tooth. By cleaning out all of the decay and infection, the tooth can be filled and sealed. Then, a crown that looks like a natural tooth may be set in place.  Now that we’ve covered the basics of what a root canal is, let’s discuss another frequently asked question: what is the average cost of a root canal? Below, we break down root canal cost with insurance vs. root canal cost without insurance.   Why does a root canal cost so much? Unfortunately, root canals are not cheap. You might be shocked by the average cost of a root canal, especially if you need to pay for it all out of pocket because you don’t have insurance.   You might need to see your dentist multiple times, including before and after the actual treatment. Also, X-rays may need to be taken, and you might be prescribed medications, such as antibiotics and painkillers. Plus, the procedure involves anesthesia to help keep you comfortable, and you might need to purchase a crown that will restore the look of the tooth. It all adds up!  Factors that can affect the cost of a root canal The total price will depend on factors like which tooth is being treated, which dental professional you’re using, where you’re located, whether or not you’ll be sedated, and if it’s an emergency root canal.  How much is a root canal without insurance? When you don’t have a good dental plan to help you cover the cost of a root canal and crown, you’ll need to pay the entire bill out of pocket.   As mentioned above, the cost of a root canal can be determined by the tooth that’s worked on. Here’s a breakdown to give you an idea of some average prices: Front tooth: $600 to $900, on average Bicuspid (premolar): $700 to $1,000, on average Molar: $1,000 to $1,400, on average  A dental crown may be used to restore the tooth, so don’t forget to include its cost. Depending on factors like the type of crown you get, you might spend anywhere from $500 to $3,000, on average.   If sedation will be necessary, the cost will depend on the type that’s used, as well as other factors. For example, inhalation sedation might cost upwards of $100, while oral sedation might be as high as $500 and general anesthesia might be as much as $1,000.      How much does a root canal cost with insurance? The cost of a root canal with insurance will depend on your dental plan. Insurers might cover a percentage of the cost, such as 80% or 50% based on whether the procedure is classified as a basic or major service. You’d be responsible for the balance.   Example: if you need a root canal that will cost $1,200, you might only need to pay $240 if your insurer covers 80% of the bill. If your plan covers root canals at 50%, you’d pay $600. Those are substantial savings! A superb dental plan may help cover the cost of the root canal, crown, and appointments and treatments you might need before and after the procedure. But keep in mind that policies might have exclusions, restrictions, copays, deductibles, and annual maximums that could affect how much will be covered.   Is a root canal worth it? A root canal might be scary, but it can help you keep your tooth. Also, if a tooth is badly infected, you don’t want to risk the infection making its way to other parts of your body.  Put simply, if a root canal is the best or only treatment option, it’s certainly worth it, as it can prevent an existing problem from getting worse.  Dental insurance can help reduce your root canal treatment cost Needing a root canal is stressful enough without worrying about how you’ll pay for it all out of pocket. With the right dental plan in place, you could save a lot, so if you don’t already have insurance, consider looking into the options available in your area.  The Direct Benefits Marketplace makes comparing dental insurance plans quick and simple. Start your search today for a policy that can help you save money when you need to undergo an expensive dental procedure.    Sources: https://www.valuepenguin.com/average-cost-root-canal https://www.newmouth.com/blog/root-canal-without-insurance/ https://teethtalkgirl.com/videos/how-much-does-a-root-canal-cost https://health.costhelper.com/dental-sedation.html

Does Dental Insurance Cover Braces?

Does Dental Insurance Cover Braces?

Updated May 2022 Braces can do more than straighten misaligned teeth and help you get the beautiful smile you want. If you’ve been diagnosed with malocclusion—misalignment of your bite, such as an overbite, underbite, crossbite, or open bite—an orthodontist can recommend the appropriate treatment to resolve the problem.   Unfortunately, braces aren’t cheap. And because you typically have to wear them for a long time (two years is the average), the costs can add up. Prices vary based on factors like the types of braces you need and how severe your condition is. On average, metal braces might cost anywhere from $3,000 to $7,000, while ceramic braces might be $4,000 to $8,000, and Invisalign might cost $3,000 to $8,000. Ouch! You know that dental insurance can help you save on everything from cleanings to implants, but are braces covered by insurance? The brief guide below covers braces insurance for kids and adults.  Yes, you can get dental insurance that covers braces If you’re worried about affording braces, the great news is you can find dental plans that cover orthodontics, and you might be surprised by how affordable they are.  With the right type of insurance, you can save a lot of money while getting top quality orthodontic care. However, not all plans cover orthodontics, so check the details carefully when shopping for dental insurance. What do orthodontic insurance plans offer? Coverage varies from one dental plan to the next, even when it comes to braces. As you browse the policies that cover orthodontics, you may notice that there are different levels of coverage for different types of orthodontic appliances. Or, you might only be able to get support for specific types of braces. But if an insurer will cover even just a percentage of the cost, you might be able to save hundreds or thousands of dollars when everything is said and done.  Dental insurance for orthodontics for kids Whether your child’s bite is misaligned or the teeth are too spaced out or overlapping, braces may be the solution. That’s why choosing an insurance plan that includes coverage for orthodontics for kids is a smart move.  Just be sure to read the details carefully, as some plans impose limits on coverage, and some might even restrict coverage based on whether or not the braces are medically necessary (e.g., your child has trouble chewing).   What about orthodontic insurance for adults? If you never got braces when you were younger and you’re ready to improve your bite or smile, you can find plans that cover orthodontics for adults. Again, just beware of coverage restrictions. For instance, braces might not be covered if you want them solely for cosmetic reasons.   Note: When shopping for dental insurance that covers braces, you might come across plans that cover orthodontics only for kids and teens. So, if you need braces as an adult, be sure to look for plans that specify they’ll provide this type of coverage.  What to look for in dental insurance that covers braces Once you start looking into the dental plans that cover braces, you might feel a little overwhelmed by your options. To narrow them down to those that are right for you, consider the following: Out-of-pocket costs In addition to the monthly premium, you might be responsible for other fees, such as copays, deductibles, and coinsurance. Also, if the insurance only covers a portion of the cost of orthodontics, such as 50%, you’ll be responsible for the rest.   Limits, restrictions, and exclusions Check details like annual maximums, lifetime maximums, and other coverage limits that can affect how much you’ll be responsible for.   Types of orthodontics covered There might be varying levels of coverage for the many types of braces. For example, if you really want to go with Invisalign or ceramic braces, read the fine print to be sure those are covered. Waiting periods Some insurance policies come with waiting periods you need to complete before becoming eligible for coverage. This can impact how soon you can get braces after you enroll in a policy.  In-network vs. out-of-network orthodontists If there’s a particular orthodontist you’d like to use, confirm that they’re in-network with a plan you’re considering. While some plans provide support if you see an out-of-network provider, you likely won’t save as much. Other treatment coverage In addition to the cost of the braces, there will be other fees to consider, such as the cost of exams and any other treatments that might be needed. The more your insurance will cover, the better.  How to find an orthodontic insurance plan that covers braces Whether you need orthodontics coverage for your kids or teens or you hope to find dental insurance that covers braces for adults, the Direct Benefits Marketplace can simplify the process. Compare the plans available in your area to see which ones offer the most comprehensive coverage. Then, start the enrollment process whenever you’re ready. Before you know it, you’ll have insurance that can help you improve your smile without breaking the bank. 

Dental Insurance That Covers Implants

Dental Insurance That Covers Implants

Updated June 2022 When you need to replace one or more teeth, your dentist might recommend dental implants. Unlike dentures that you need to take out of your mouth to clean, a dental implant will be set permanently in your jaw, so it will be like having a real tooth. You’ll be able to chew and speak normally, and you’ll be able to brush and floss like you’ve always done.  One downside to getting a dental implant, however, is the cost. If you’re on a tight budget and need to pay for an implant totally out of pocket, you might be reluctant to undergo this procedure.  Are dental implants covered by insurance? You can certainly find dental insurance that covers implants, but it’s important to keep in mind that not all dental plans cover this procedure. For example, some insurers categorize implants as a cosmetic procedure and, therefore, provide little to no support.  Even if you find a plan that includes implants, it’s wise to look at the fine print so you’ll know exactly what you’re getting. There are multiple steps involved in placing an implant, from the exam and X-rays to the procedure, implant, and crown. Plus, if you need to undergo a treatment (e.g., a bone graft or tooth extraction) to prepare your mouth for an implant, you’ll need to consider the cost of that too.  Note: Your medical insurance might help cover the cost of a dental implant in certain cases, such as when it’s medically necessary. And, depending on the reason for the implant, you might even be able to get help from both your medical and dental insurance policies.  Full coverage dental insurance plans Signing up for a full coverage dental plan might be the best way to get the most support when paying for dental implants. This type of policy typically helps cover the cost of preventive care, basic services, and major services.    Limits on dental implant insurance coverage Getting dental implants with insurance can help you save money, but there might be limitations on how much the insurer will pay.  One thing to watch out for is a missing tooth clause. Some insurers won’t cover a dental implant to replace a tooth that was lost before the policy took effect.    Another thing to consider is the percentage of the cost that the insurer will cover. For example, if implants are deemed a major service that’s covered at 50%, you’ll be responsible for the balance.   Look for the out-of-pocket costs (e.g., copays, deductibles, coinsurance) that you’ll be responsible for. And keep in mind that your plan’s annual maximum can limit the amount of money the insurer will spend on your care.  Remember, dental implant procedures involve multiple appointments, during which your dentist will prepare your mouth, insert the implant and crown, and ensure your mouth heals properly. It can all add up fast. How to get dental implants covered by insurance Many dental insurance companies offer plans that cover implants. However, the coverage amounts vary, with some plans offering much more than others.  It’s wise to shop around and carefully compare dental implant insurance plans before deciding on the one that fits your needs and budget. You can do so easily by visiting the Direct Benefits Marketplace and searching for policies that are available in your area.  Implants vs dentures coverage There are pros and cons to weigh when it comes to dental implants and dentures, as well as implant-supported dentures. Your dentist can help you decide which solution is best for you based on your needs and preferences.  No matter which treatment you choose, having the right insurance can help you save and give you peace of mind. But, again, not all plans will cover these treatments, so be sure to read the details carefully before enrolling.  Common questions about dental implants insurance coverage   What are dental implants?  A dental implant looks like a small screw, and your dentist will put it into your jaw during a surgical procedure. An abutment is then placed on top of the implant, followed by a custom crown that will look, feel, and function like a natural tooth.  The whole procedure is done in stages, so it can take time, but once you have your implant, it will be long-lasting if you take good care of it.  How much do dental implants cost? Dental implants can cost thousands. Here are some average prices to give you an idea of what you might need to pay out of pocket if you don’t have insurance: A single implant to replace one tooth might cost $1,500 to $6,000.  If you need to replace up to four teeth, it might cost upwards of $10,000.  Full mouth implants might cost over $34,000.  Keep in mind that the final cost will depend on factors like the type of implant and crown, whether you need any other treatments, and the dental professional you use.

Is Dental Insurance Worth It?

Is Dental Insurance Worth It?

Updated May 2022 It’s no secret that you have a lot to consider when it comes to insurance. But while you might not think twice about things like health insurance and car insurance, you might ask yourself: do I need dental insurance, and should I get dental insurance right away?  Like any other type of coverage, dental insurance can give you peace of mind, and you might be surprised by how much you can save.  Why is dental insurance important?  Even if you don’t have symptoms, it’s wise to see a dentist regularly for checkups and cleanings. But here’s the thing: even basic preventive care can add up fast. And if you ever do need a pricey filling, extraction, or root canal, you’ll be glad you had insurance to help you save money.  Should I get dental insurance? One way to determine if you should get dental coverage is by calculating your out-of-pocket costs and comparing them to what you’d pay if you had insurance.   But what’s the average dental insurance cost, and how much does dental insurance cover?  Well, the nice thing about this type of insurance is it can be super affordable, yet it covers a lot. You might be able to enroll in a comprehensive plan for $50 or less per month.   Monthly premiums vary based on your location and the provider and plan you select. Also, some policies cover more than others. Generally, though, you can get support in the following categories: preventive care, basic services, and major services. Certain plans will even cover orthodontics.   How much does dental insurance cover? Dental insurance can help in the following ways: Preventive care might be covered at 100%, so you won’t need to worry about paying for things like exams, X-rays, cleanings, etc.  Basic services might be covered at 70-80%. Depending on the insurer, this might include gum treatments, fillings, extractions, and more.  Major services might be covered at 50%. Depending on the insurer, this might include root canals, crowns, bridges, dentures, and implants. Orthodontics might be partially covered, such as up to 50%, if you need braces or orthodontic appliances. This might be limited to kids and teens, but some plans will cover adult orthodontics too.   Cosmetic procedures like veneers might be covered by some dental plans. Others might only cover these if they’re medically necessary.     How much would you pay without dental insurance? Dental care prices vary based on factors like where you receive care. But, to help put things in perspective and give you an idea of how much you could potentially save with the help of dental insurance, here are some average prices: Dental exams, X-rays, and cleanings might cost hundreds. An exam and X-rays might each cost $100 or more, and a cleaning might be anywhere from $70-200, on average.  Fillings for cavities can be pricey, but what you’ll pay will depend on the tooth being treated and the type of filling you get. Amalgam fillings might cost $50-150, on average. Composite fillings might cost $90-250, on average.  Root canals can be expensive too, and factors like the tooth being treated may affect the price. A root canal on a front tooth might cost $300-1,500, a premolar might cost $400-1,800, and a molar might cost $500-2,000, on average.  Dental crowns might cost $500-3,000, on average, with factors like the material they’re made of affecting the price.  Extractions might cost hundreds, and the price will be higher if you need multiple teeth pulled. While non-surgical extractions might cost upwards of $300, surgical extractions might be $600 or more, on average. Wisdom tooth extractions can be even more expensive, potentially costing thousands, especially if there’s a severe impaction.  Bridges, dentures, and implants that are used to replace missing teeth might cost thousands of dollars.    What are the types of dental plans you can choose from? There are several types of dental plans you can choose from to ensure you get the coverage you need at a price you can afford. Here’s a basic breakdown of your main options: Preferred Provider Organization (PPO) This is a good option when you want more freedom to choose your dentist. Using an in-network dentist will likely help you save the most money, but you may also receive some support if you see an out-of-network provider. Plus, you might not need to get referrals to specialists. However, these plans tend to be more expensive, and it’s important to be aware of the out-of-pocket costs, such as copays, coinsurance, and deductibles. Health Maintenance Organization (HMO) HMO dental plans tend to be less expensive, and you might not have to worry about deductibles. However, you’ll likely need to stay in-network to receive benefits (emergencies might be an exception). This means that, if you end up seeing an out-of-network dentist, you may not get any help at all. Also, these plans may require that you get a referral to see a specialist. And, unlike PPOs, you might need to select a PCP.   Indemnity  Also known as fee-for-service, an indemnity dental plan lets you choose any dentist, so this can be a great choice if you don’t want to deal with networks. The plan will reimburse you up to a certain percentage for covered dental care services. Out-of-pocket costs might include a premium and deductible.  What should you consider when shopping for the right dental plan? Honing in on the following might help you select the ideal policy more easily: Out-of-pocket fees – These include the monthly premium, as well as copays, deductibles, and coinsurance. Also, if a service is covered up to a certain amount, you’ll be responsible for the balance.  Annual and lifetime maximums – There might be a limit on the amount of money an insurer will pay. Once the limit is reached, you’ll be responsible for paying the rest.  Services that aren’t covered – Some services might not be covered at all. In that case, you’d need to pay for them completely out of pocket.  Waiting periods – Some insurers impose waiting periods that vary in length. Until you’ve completed a waiting period, you won’t be eligible for certain benefits, if any. If you don’t want this, there are dental plans without waiting periods.  Pre-existing condition exclusions – Some plans might not cover pre-existing conditions, so check the details to see if you’ll be able to receive the support you need. Emergency coverage – A plan should outline what will be covered if you need emergency care.  Networks – Consider the quality of the provider network. If you want to stick with a dentist you’ve been using, figure out if they’re in-network before enrolling in a plan.  Don’t wait to buy dental insurance  When it comes to dental insurance, having it in place in advance is best. Waiting until you need expensive care isn’t a smart move because you might run into restrictions like waiting periods or pre-existing condition exclusions. Plus, delaying treatment might cause a problem to worsen quickly.  How much is dental insurance in your area, and what types of plans are available? Browse the Direct Benefits Marketplace to find the perfect policy and start the enrollment process as soon as you’re ready.

Is Your Jaw Clicking? Here are Some Causes

Is Your Jaw Clicking? Here are Some Causes

Has your jaw been clicking or popping? Are you wondering why? We’ve got you covered with some information below that might help you figure out what’s going on. Continue reading to learn more, but keep in mind: seeing your dentist is the best way to get an accurate diagnosis and proper treatment to resolve any issues you’ve having with your jaw. First, We Need to Talk About TMD TMD is short for temporomandibular joint disorder and can also be referred to as TMJ. You might have heard of it, but you might not know exactly what it is. Put simply, TMD is a condition that affects the temporomandibular joint. That’s the hinge on either side of your face that connects your jaw to your skull. When you open and close your mouth, it’s this jaw that works, and it also allows you to move your jaw backward and forward, as well as side to side. Want to find this joint? Place your fingers in front of your ears and open and close your mouth. Feel it? Neat, right? So, when you have TMD, a problem arises within this complex and important joint, causing symptoms like discomfort, pain, clicking, or popping. And the disorder can make it difficult to do simple things like chew your food, talk, and even yawn. Ouch!     What causes TMD? Well, it’s sometimes hard, even for dentists, to figure out the root of the problem. There are a variety of things that can contribute to this disorder, and they include trauma, malocclusion, arthritis, and bruxism (clenching and grinding the teeth), as just a few examples. Is Your Clicking Jaw a Symptom of TMD? If your jaw is clicking but you aren’t experiencing any pain, and you aren’t experiencing any limitations when opening and moving your jaw, it might not be TMD. Even occasional discomfort in the muscles or joint may not be anything serious, and the clicking might come and go as well. That’s good news!    Clicking in your jaw might be mild and temporary, lasting only a little while before going away on its own. If you’re having more severe or ongoing symptoms, however, a more serious issue, or TMD, might be to blame. What Can You Do to Relieve Clicking in the Jaw? There are some things you can try at home to help stop your jaw from clicking and popping. Here are some examples: Avoid chewing gum, and avoid foods that are crunchy, hard, or chewy, as these can all put excess strain on the jaw and make the popping and clicking worse. Take small bites so you don’t have to open your jaw as wide and try to stick with soft foods until your jaw issues resolve. Massaging and stretching the muscles of the face and jaw might help you get rid of the clicking you’re experiencing, but this is best done with the help of a physical therapist, doctor, or dentist. Feeling stressed? Clenching your jaw because you’re tense? Try stress-relieving strategies like deep breathing, meditation, and exercise. You can even make it a point to relax your jaw by keeping a bit of space between your upper and lower teeth.   Remember, if the discomfort you’re feeling persists, or if you notice that you aren’t able to open or close the jaw properly, it’s best to see a dental professional who can pinpoint what’s going wrong with your jaw. Jaw Symptoms? See Your Dentist for Advice! Even though a painless clicking in your jaw might not be anything to worry about, it’s still a great idea to make an appointment with your dentist for a checkup. He or she can examine your jaw and take X-rays to evaluate the health of your temporomandibular joint. If it’s determined that you have TMD, you can start receiving the appropriate treatment to get relief, based on the cause of the problem. Concerned about being able to afford trips to the dentist for symptoms like clicking or popping sounds in your jaw? The right dental insurance can help! Search for the ideal plan on the Direct Benefits Marketplace, where you’ll find comprehensive coverage that will give you peace of mind.              Sources: https://www.colgate.com/en-us/oral-health/temporomandibular-disorder/when-a-clicking-jaw-is-a-sign-of-tmd https://www.mayoclinic.org/diseases-conditions/tmj/symptoms-causes/syc-20350941 https://www.medicalnewstoday.com/articles/319888#treatment-for-jaw-popping http://www.tmj.org/site/content/tmd-basics