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Apr 12

Making Dental Care Affordable For You

By admin | Dental

Your “pearly whites”.  You know, those bony enamel coated structures in your jaws. They are one of the very first things that people notice about you, especially when you smile.  Like many of us, we get so caught up in our everyday lives that we forget to take care of our teeth. It’s understandable when you have to think about your family and their needs, your work, and your daily expenses. Tacking on another bill from the dentist can seem unnecessary.  Well, your teeth need to go to the doctor as well for their routine check-ups. When you neglect to take care of your teeth it can have an effect on your health as well. Now when you think about taking a trip to the dentist all you see in your mind’s eye is dollar signs on top of dollar signs. Even though you know that the cost of a visit to the dentist can be very expensive dental insurance can protect you from that. Wouldn’t you like to know how dental care can be more affordable? It is not as expensive as you may think.

The best way to make dental care more affordable is by purchasing a dental plan. In the end, it could cost you thousands of dollars by not having routine check-ups for preventative care. Most individuals wait until there is a problem to purchase dental coverage and schedule a visit with the dentist. Don’t be that individual that waits until it is too late. Fill out the form below to speak with a licensed insurance agent regarding dental care plans and how affordable they are.

The Average Cost of Dental Care

When going to the dentist again the only thing you see is dollar signs. Without dental coverage, you would typically end up spending thousands of dollars maybe more depending on the type of dental care you need to have done. There are three categories of dental work.

  1. Preventative – Cleanings, fluoride treatments, sealants, exams, and x-rays.

Cleanings can range up to $200 and X-Rays $200 as well.

Note: Preventative care is considered a routine office visit.

  1. Basic – Fillings, tooth extractions, and wisdom tooth removal.

Fillings can cost about $300 and tooth extractions about $450 sometimes more depending on the location of the tooth.

  1. Major – Root canal, dental bridges, dentures, crowns, and oral surgery.

A root canal can cost close to $1100 and just for a crown that can be about $1400 per tooth depending on the type of metal that is used.

Depending on the level of coverage you are looking for. Monthly payments for dental plans can typically range anywhere from $30 to $170 whether for individual or family plans.

Note: PPO dental insurance offers better services and more access across the dental network as well as choosing your own dentist. There are no waiting periods for services depending on the specific dental coverage that you are looking for.

The Benefits of Good Oral Hygiene

There is a wide range of benefits that come with practicing good oral hygiene. When you are able to schedule routine visits to the dentist you can lower your chances for certain health issues that you wouldn’t think were associated with overall oral health. Just to name a few of the benefits, see the listing below:

Cardiovascular Disease

Diabetes

Kidney Disease

Respiratory Infections

Infertility

Rheumatoid Arthritis

Dementia

Now that you have been made aware of the average costs for a visit to the dentist as well as the health benefits why wait? If you are someone that is looking for preventative care or you need major care we’re here to help. Here at Coverage One Insurance, we’re an expert brokerage company who only works with top-rated carriers. We will take the time to find the best available dental coverage that’s best for yourself and/or your family saving you the time and energy. Fill out the form below to speak with a licensed insurance agent to take the next step towards obtaining affordable dental coverage.

Dentist works on patient with dental insurance
Apr 10

3 Ways Dental Insurance Can Help You Save Big

By admin | Dental

When it comes to dental exams and procedures, patient stress and anxiety are very common. No one likes to suffer though uncomfortable x-rays, noisy drills, and numbing shots, but the biggest source of worry is linked to outrageously expensive bills! According to the National Association of Dental Plans, 74 million Americans had no dental coverage in 2017. If you or your family members don’t have a dental policy, you are accountable for 100% of the cost, whether it’s a short, routine visit or a major procedure.

Here are three ways that dental insurance can help you take a bite out of your next bill:

1) Preventative Care is Covered. Routine cleanings and exams are essential for maintaining healthy teeth and gums. Even if you brush and floss regularly, you’ll still miss hidden plaque and tartar that can build up over time. On average, a single routine cleaning costs $95! With all United Healthcare dental plans, you can walk out of your preventative exam with a smile. Even if you have a complete series of routine x-rays, which could cost over $120, you’ll pay $0 out of pocket. 100% preventative coverage definitely has its perks.

2) Catch and Fix Problems Early. Along with dental coverage comes peace of mind. Instead of avoiding the dentist and dreading problematic symptoms, you can go in for treatment right away. Did you know that many major dental conditions are caused by basic problems that went untreated? Most dental policies cover 50% for basic services, which raises to 80% coverage after your second policy year. By getting treatment early, your simple filling might save you from a costly root canal!

3) Access Network Discounts. Just like bundling home and auto insurance, you may be able to access exclusive discounts by adding hearing, orthodontic, dental implants, or vision benefits to your dental insurance. Adding coverage for your entire family may also be a cheaper solution. On average, family dental plans are a better deal than if each member was covered by an individual policy. Plus, getting service in the same network makes it easier to manage providers and see the savings.

All United Healthcare dental policies 100% preventative coverage the same day that you sign up. To prevent insurance fraud, most major services require a waiting period. One of the best ways to eliminate the stress of big dental bills is to plan ahead and sign up early so that you know you’re covered when you need it. All policies increase coverage benefits over the first and second years for major procedures, which can result in huge savings.

For example, a molar root canal would cost $1,255 out of pocket without insurance, but you can save approximately $750 during the first year of coverage. Once you enter your second policy year, the savings jump up to $915! What are you waiting for? Sign up now to access 100% preventative care coverage from day one and start the clock for bigger savings on major services the future.

If you have any questions, you can also fill out the form below and a licensed agent will contact you with more information.