What If Health Insurance is Unavailable? Health & Dental Discount Plans May Be the Answer!

What if Health Insurance is Unavailable? Health & Dental Discount Plans May Be the ANSWER!

-I can’t afford it.
-I’m uninsurable.
-I need to go to the doctor today.
-I have existing conditions that aren’t covered.
-My insurance doesn’t cover enough of my medical bills.

There is good news for people who don’t have health insurance to cover themselves or their family. Too many times the availability of health insurance has left Americans with the over whelming cost of medical and dental bills. The good news is there are now products that can help aid in the high cost of medical and dental bills. These products are known as Health and Dental Discount Plans or Medical Discount Plans.

Health and dental discount plans open the door to provider networks so that you can obtain “wholesale” prices for doctors, dentists, hospitals and other provider services. This means members of these plans enjoy the same “wholesale” rates for their doctor and hospital provider services, along with contract pricing on prescription, dental, vision and hearing services.

A Health and Dental discount plan is ideal for people who are uninsurable and are looking for savings. They are also great for people who can not afford the high cost of health insurance or medical insurance. If you have medical coverage, but it doesn’t cover all of the costs, these discount plans are a great compliment to your existing coverage.

They offer savings on prescriptions, vision and dental costs. Giving you well rounded savings for all health costs you and your family incur. Most everyone in your household is covered under these medical savings / discount plans. Spouses, natural born children, stepchildren, children for whom you have assumed legal or financial responsibility and parents who reside in your household, everyone can be covered under one membership. These medical savings plans can really be a savings bonanza for your finances.

A good medical discount program will have nationwide discounts with hundreds of thousands physicians and hospitals participating. Thousands and thousands of dentists, vision experts, pharmacies, chiropractors and hearing experts are included as providers.

These plans can have special perks and mailers that include a wide variety of specials like emergency travel and vitamin samples. You should look for a program that includes Accident and Life Insurance included. Again, these plans will add a great amount of benefits for one cost and can include everyone in the household, making them a great addition to your financial plans.

One thing to keep in mind, Medical Discount plans are not insurance. You do not have to qualify, there is guaranteed acceptance with no underwriting questions! You simply will be showing your ID card at the time of your appointment or purchase and receive the reduced rate when you pay. Very simple and a great savings.

Convenience is another option to look for; a good program should be easy to enroll in online or by phone. You should be able to have your monthly fee deducted from a credit card or debit card and receive your membership kit and ID cards in a timely manner.

There are many good programs available and we recommend and offer a fantastic product called BENICARD. It includes all of the benefits we have discussed above and is available on our website for quick access. Just look for the Benicard banner on our Peak Services website where we are always “Helping You Reach Your Peak”. Complete explanations of benefits are available at our website and a quick, safe, easy application process will get you on your way to medical savings in minutes.

So if you or a family member needs to find additional ways to save on the high cost of medical and health costs look to medical savings or discount plans as a great supplement to your financial picture. These plans also make a great gift for that someone who struggles with paying for the high cost of coverage.

As always Good Luck and Good Health!

Are Dental X-Rays Really Needed?

The mainstream media has recently directed more attention to the issue of dental x-rays. A recent study has come to light which shows some connection between dental x-rays and brain tumors. Although there are some challenges that this particular study faces in the gathering of its data, I believe that media attention which helps the consumer become interested and more informed about the services they receive is always a good thing. With this idea in mind, I would like to address some of the concerns I have received from patients in my dental practice.

Dental x-rays are not always needed to perform a dental exam. In fact, dental x-rays should only be taken when they are needed for establishing a benchmark for a new patient and/or when there is a necessity and need for diagnosis and treatment of dental or oral disease. Many factors are evaluated to determine the need for the type and number of radiographs. Some of these elements include: age, oral health, risk factors, current signs and symptoms. Never should a one-size-fits-all approach be used with regard to the need for dental radiographs.

There are three types of dental exams performed in a dental office. These three exams are: a comprehensive, initial, or new client exam, a limited or problem-focused exam, and a periodic or established patient exam. The comprehensive oral evaluation is performed when a new patient wishes to become an established member and there is a need to establish a benchmark or an oral health reference for the future. Since a more involved set of data is being gathered to create a basis point, it is often at these appointments that more dental x-rays are taken.

When a limited or problem-focused exam occurs, there are fewer dental x-rays needed except for the specific areas in question. During these evaluations, the x-rays are only one of many different tests or pieces of information that are reviewed to determine the mode of treatment.

A routine or periodic dental exam typically occurs during a cleaning or dental prophylaxis appointment. Various issues are being evaluated during this exam. I like to divide my periodic oral evaluations into three sections. I think of the oral exam as being a circle and the examination being split into three separate categories. This exam includes a visual evaluation of soft tissue (lips, tongue, cheeks, gum tissue or gingiva, and periodontal charting), hard tissue (teeth, jaw, occlusion or bite, and then an evaluation of any radiographs that have been taken. Each portion of the examination offers valuable data that helps to aid me, the clinician, perform a more thorough and comprehensive evaluation of the patient’s oral health. Each portion of the exam has its own merit; however, when all three components are present, the most comprehensive evaluation of the patient can be performed.

As clinicians, our objective is to provide services and information which helps each individual become an active participant in maintaining his oral health. Dental radiographs or x-rays are only one tool used to help detect disease, infection, early cavity and gum disease. When radiographs are taken, proper protective aprons with thyroid collars should always be used to help minimize exposure to sensitive and vulnerable tissues. As patients become more involved in their dental care, they ask questions to help them understand why certain recommendations are made. When patients become more informed, their quality of care improves and the partnership between patient and dentist grows stronger.

Individual Health Dental Plan – Dental Insurance or Dental Discount Plans – Which is “Really” Best?

So this is the deal…You need to see a dentist, but you’re not sure whether you should be searching for dental insurance or a good dental discount plan. Also, would it be better to buy an individual health dental plan or one of the many family dental plans available? Let’s take a look at some of these options and then you can make an educated decision on which dental plan would be best for you.

Dental Insurance

Dental insurance used to be the only option that you had and many people don’t realize that there are other options available, other than dental insurance, now that can potentially give them a broader range of benefits and save them much more money on most dental procedures. However, if you’ve had a dental insurance policy in place for more than two to five years, then you should see some decent coverage on most major procedures.

Most dental insurance policies have what is known as a “waiting period” before you can be seen for any type of pre-existing condition. Most of these waiting periods are 6-12 months in duration. Even after the waiting period most policies won’t cover certain procedures and if they do choose to cover them then they’ll do it at a low savings rate, such as 10%.

Let me give you an example of how a dental insurance plan would not be a good buy.

Let’s say that you have a toothache and, after visiting a dentist, discover that you must have a root canal performed on one of your teeth. Unless your insurance policy has been in effect for six to twelve months then you’ll have to pay 100% of this procedure out of pocket. Many plans will pay up to half once the waiting period has ended.

Most dental insurance policies are not cheap either. If you are still undecided about whether you should buy a family dental plan or if you’d be better off buying an individual health dental plan then consider that dental insurance for an entire family can cost as much as $100.00 a month U.S. and, for most families, that’s just not in their budget. It’s no wonder that seven out of ten people in the United States have no type of dental coverage at all. They simply cannot afford it.

Dental Discount Plans

Dental discount plans are networks of dentists that have agreed to take a substantially reduced rate for dental procedures if the member agrees to pay cash at the time of the visit. This is a great deal for some people, if they’re prepared for the visit. In other words, if you’ll be needing a root canal, as in the example above, then you would save as much as 50-60% off of the cost, which could be as much as $400-$500.00. However, you would need to have the rest of the money “cash in hand” when you visit the dentist.

By using a dental discount plan you don’t pay large monthly premiums. Most are under $20.00 per month, but, as stated above, you must have the cash in hand when you go to the dentist in order to pay for your visit.

Are dental discount plans a great deal or is dental insurance the way to go? That will depend on your finances and which plan you choose.

7 Benefits of Dental Implants

Dental complications cause gum and teeth pains. Some of the common dental complications include sensitive teeth, toothache, tooth discoloration, soreness and redness of gums, bleeding gums, broken teeth, lost teeth or faded teeth. Some of the causes of these oral complications include tooth infection, decay, inflammation or injury, malnutrition and even inherited disorders. If you are lacking a single tooth or several teeth, dental implants offer the best solution.

Also referred to as an artificial root, a tooth implant has two parts namely; the root and crown. Implants are regarded among the most fitting and successful ways to enhance a person’s appearance. Gone are the days when you couldn’t smile due to embarrassment of your oral cavity. It is important to note that oral implants are made from a durable material typically titanium thus able to effectively restore natural tissue. Keep in mind that its installation has no negative impact on the healthy tissue. On the contrary, it helps to restore the root and crown tissues. The root tissues are chiefly vital for the well being of the patient. Installing an implant takes up an hour or so. Local anesthesia is used to perform the surgical procedure. In most cases, the recovery period ranges from two to six months.

Indeed, they are the best recommended way of replacing any lost teeth given that they appear similar to real teeth. What’s more, they avert the wear and tear of the bone that often happens with lost teeth and aid to preserve the reliability of the jawbone. It is imperative to replace lost teeth straight away for the effective function of masticating as well as adorning a healthy, beautiful smile.

The advent of dental implants was meant to fully restore missing teeth. After their installation, you can be sure of a beautiful, natural smile. The average life cycle of the implant is twenty five to fifty years.Tooth loss is a common dental issue that many people face due to injury, gum disease, or tooth decay. In the past, bridges and dentures were the only available treatment options. Fortunately, medical advances have provided a remedy for this problem in the form of dental implants. They offer the following seven benefits.

1 – Comfort

First, dental implants are more comfortable than dentures. They work like your own teeth, instead of sliding around in your mouth. This makes it easier to eat and also minimizes pain and discomfort.

2 – Better Speech

Patients also notice improved speech as a result of this treatment. Standard dentures often do not fit well. They are prone to moving and slipping, causing people to slur their speech. Since implants are more permanent, the patient will speak without problems.

3 – Enhanced Appearance

This procedure allows individuals to have teeth that look and feel like their original teeth. They combine with the bone for a permanent finish that enhances anyone’s appearance. Some even say they look better than the originals.

4 – Self-Esteem

Furthermore, the new appearance is a great self-esteem boost. Individuals are more likely to smile with confidence.

5 – Oral Health

Dental implants do not alter the surrounding teeth. Instead, healthy teeth and bone are left in place. This promotes long-term oral health and enhances oral hygiene in patients.

6 – Convenience

The traditional remedy of dentures is often embarrassing and inconvenient. Dentures are removable and not very user friendly. They require untidy adhesive to keep them in place. New technology removes this inconvenience and creates a permanent solution that never needs to be removed.

7 – Durability

The finished product is extremely durable and patients can expect the results to last for several years. In fact, with proper care, they will not have to replace them at all.

Who Can Benefit From Group Dental Care?

There are many different types of dental care plan, ranging from those specifically for seniors right through to comprehensive family dental care, designed to fulfil the needs of the very young as well as the old. All of these plans are designed to deal with the distinct needs and benefits of the people taking out the dental insurance.

Each of these plans will cover different aspects of care that are relevant to the individuals who have taken them out. This is aimed at making sure that each person gets the treatment they need, whether it is a young child who is learning how to take care of their dental health for the first time, or a senior who is at higher risk of certain dental conditions.

There is one plan that is perhaps the most flexible of all, and this is the group health dental plan, which is designed to meet the varying needs of all different types of people. This is usually a package that is tailored to the very specific demands of certain groups of people from all walks of life; here are some of the types of people who can benefit from group dental care.

Firstly, the people most likely to find group health dental plans useful are those who are working for a company. In many cases, employers will put in place dental care as a way of attracting staff and also ensuring that they remain in good health. This is not only the case with dental care, as many employers provide medical insurance too.

Employees can benefit from this type of coverage as it means they will to have to pay for their own care, which can be a great perk to any job. this can benefit employers too, as they will not only have another benefit with which to draw new staff, but they will also make sure that their workers are healthy enough to carry out their jobs.

Other groups of people who can benefit from group health dental plans are workers’ unions, which aim at providing a number of benefits to members. This can be another way to encourage membership, and also provide a form of protection for workers.

This can be great for people who do not get any subsidised healthcare of dental care from their employer. Instead of having to pay the costs of a plan themselves or rely on their employer for one, unions can fulfil this need, giving workers more support and security in their life and in their jobs.

This can be especially beneficial for those workers who are in trades where they do not typically get much support from their employers in the industry, or are in lower income jobs where they can find it hard to foot the bill for certain healthcare procedures. Furthermore, this allows for workers in physically challenging environments to better maintain their health, which is vital for working.

Other groups that can benefit from group health dental plans are organisations and associations, ranging from charitable groups right through to childcare centres. There are many groups that do not fall into the categories of trade unions or employers, yet have members which need reliable health and dental care.

A good example of this is a volunteer group which is working in a physically challenging environment that can take a toll on health. The group might choose to put in place a health and dental plan to make sure that they are fully cared for when carrying out their volunteer activities – after all, good health is essential for carrying out their good work.

These are just a few of the types of people who can benefit from certain health and dental plans designed especially for groups. From companies right through to voluntary organisations, members of all types of groups can benefit from the many health advantages that this type of insurance can bring.