Finance Braces In Four Different Ways

Here’s How You Can Finance Your Braces

Have you noticed that your teeth are slightly crooked and not aligned? Are you trying to figure out whether you should take the plunge and have braces fixed, but cannot decide because of your limited budget?

Advantages Of Braces

If you feel like you can do without them, here are some reasons that may change your mind:

1. Straight teeth allow for you to chew and bite more effectively.

2. Straight teeth are easier to clean as your toothbrush is able to reach each area in your mouth. With crooked teeth, some areas may be hard to reach, leading to a breeding ground for bacteria.

3. Crooked teeth make it easier for you to accidentally bite on yourself, which gives an opportunity for bacteria to enter your blood.

How To Pay For Braces

If you are convinced to get braces but are still do not know how to pay for them, below are some options that you will find useful.

1. Insurance. This is by far the most common means to pay for braces. However, it not all insurance covers cater for this dental procedure as most consider it purely cosmetic. Having the right insurance plan can help in reducing the cost significantly. When you choose a health insurance cover, you need to have one that covers orthodontists. This can help in bringing the cost down by half of what you would have paid.

2. Discount dental program. Did you know that there are discount programs you could join that cater specifically for your dental needs? What’s more is that you can find most of them across the country. These plans will require you to pay at least $20 every month. By making use of these programs, you will be able to slash the cost of your braces by 20%. Additionally, you get to choose an establishment to your liking.

3. Payment plan. Luckily, there are some orthodontists that will allow you to set up a dental plan to help you pay for your braces in case you do not have an insurance cover. It is up to the orthodontist to determine how much money you need to pay as a down payment, and how much you will be required to pay in installments. Others give you the option for saving up for the treatment and going back to see them once you have the full amount. Still others will allow you to be treated as you continue paying in monthly installments.

4. Dental charities. If you are a low-income family with no means to come up with the funds required to have braces installed, then you may qualify for a dental charity. Each charity has its own specific guidelines, with most requiring you to pay a certain amount of money that is within your means to pay. In some special cases, to the discretion of the charity, some patients may even receive the treatment for free.

Seven Tips on How to Find the Right Dentist

If you have ever suffered from a dental problem you appreciate how important prompt treatment is. Not only are most dental issues excruciatingly painful they can also affect the entire mouth. If you are a parent you should also have a dentist’s number on quick dial because kids will regularly require dental treatment. So how do you find the right dentist? Here are some factors to consider:

  1. Reputation

Before visiting any dentists make sure you do a background check. It is important to talk to other parents or colleagues in order to find the right dentists. If you are new to the area, make sure you read testimonials and service reviews by other patients in order to enjoy effective services.

  1. Experience

If you are looking for efficient dental services make sure you look at the dentist’s training and experience. The best doctors will proudly display their qualifications and they are always forthright if you ask about their experience. It is important to use a highly experienced dentist because you are guaranteed of your health safety and effectiveness of the procedures being used.

  1. Certification

You need to checkup on the dentist’s medical certification. The best dentists are accredited by American Dental Association (ADA) and they also belong to other dental professional associations such as Academy of General Dentistry (AGD). This is a mark of expertise in the field and it also proves the standing of the clinic in medical circles.

  1. The Facility

Before entrusting your family’s health to a particular dentist ensure you pay a visit to the clinic and check it out. Look at the staff professionalism, the state of the clinic, the services available and hygiene. A good dental clinic should be in pristine condition as this also reflects on the quality of services you will enjoy.

  1. Range of Services

If you want to enjoy the most efficient dental services make sure you assess the range of services offered. Some of the major procedures to lookout for include dental implants, orthodontic surgery, teeth whitening, bonding, crown and bridges, teeth whitening among others. Most experienced dentists offer custom services to suit your family’s unique dental needs.

  1. Convenience

If you are new to the city make sure you pick a dentist who is easily accessible from your new home. Your convenience should always come first and if you have kids it is important to consider a dental clinic which offers emergency services.

  1. Your Comfort

During the initial consultations make sure you ask about the type of sedation services offered at the clinic. It is also important to ask which dental procedures require sedation and any side effects of treatment procedures being proposed.

If you have been wondering how to get the right dentists for your family you now have a guideline to follow. Whatever you do make sure you take your time to research before you use any dental professional.

Practical Substitute For Low Cost Dental Insurance

Proper care of teeth and gums involves much more than simply brushing your teeth twice a day. Proper dental care also involves routine exams and professional cleanings. Wear and tear of daily life means that as we age, our teeth will need to be restored with procedures such as filings and crowns.

Years ago, people accepted tooth loss as a fact of life. Today, with the advent of new and improved dental materials and procedures, it is possible to maintain our natural teeth throughout a lifetime, or to replace lost teeth with natural looking dentures and implants. But modern dentistry comes at a cost. During the past 50 years, the cost of dental care has increased much faster than inflation. To help cover these rising costs, dental insurance was introduced and through the years, became a mainstay of the dental care industry.

The Benefits of Dental Insurance

    • Dental insurance typically covers the cost of routine preventative care, such as exams, x-rays and cleanings. This coverage encourages people to use preventative services, which can pay off in better overall dental health and the need for fewer costly procedures.
    • Peace-of-mind; having dental insurance means people worry less about the cost of their dental care. The prospect of major dental work becomes less financially daunting.
  • Dental insurance allows you to use any dentist.

The Negatives of Dental Insurance

    • High premiums – you will rarely come out ahead financially. At best, dental insurance is a method to finance dental care.
    • Annual benefit limits – typically $1000 to $1500. This means that if you need extensive dental work, only a fraction of your treatment may be covered during a policy year.
    • Exclusions – items which are not covered. Cosmetic dentistry, which may include orthodontics and implants, is often not covered because these types of procedures are not considered “necessary” for dental health.
    • “Maximum allowable charge” – the maximum amount an insurance policy will allow for a given dental procedure. Often, this maximum allowable charge is less than what a dentist actually charges.
  • Claim forms – paperwork required for reimbursement can be time consuming and confusing.

The bottom line is dental insurance companies must collect more in total premium than they pay out in benefits. Otherwise, they lose money and soon go out of business. Over the years, as the cost of dental care increased, insurance companies were forced to raise premiums, while placing more and more restrictions on their policies. Soon, low cost dental insurance had become a thing of the past.

Given these financial realities, a new way to make dental care more affordable was needed. In the 1970’s, discount dental plans emerged and their popularity has grown ever since. Often referred to as “insurance,” the fact is that these plans are not dental insurance. They work in an entirely different manner. One of the oldest and largest of such plans is the Careington dental plan. Using Careington as an example, here’s how a discount dental plan works.

By leveraging the cumulative purchasing power of over 8,000,000 members, Careington acts like a giant buying club for dental services. On behalf of its members, Careington negotiates discounts of 20% to 60% off all care at participating dentists. In return, participating dentists receive a steady stream of new customers.

Discount dental plans offer the following advantages:

  • Low cost – monthly premiums are much less, typically one-third or less than the cost of dental insurance.
  • No annual limits on savings.
  • No claim forms are required. Discounts are given by the dentist at time of service.
  • Plan members save on all dental conditions, including cosmetic dentistry.
  • Unlike dental insurance, members are able to save on pre-existing conditions with no waiting periods required.

The main drawback of discount dental plans is that plan members must use participating dentists for all savings. Therefore, these plans are not for everyone. Be sure there is a suitable selection of plan dentists in your area before you join any plan. With a suitable selection of plan dentists nearby, a discount dental plan is a modern and effective substitute for low-cost dental insurance.