Dental Insurance

Are you looking for dental insurance or options?

There are lots of dental insurance plans out there. Which one should you choose?

First of all, you need to know the difference between types of plans. Usually, you need to choose between PPO and HMO.

PPO, or “Preferred Provider Organization”, is the most popular type of plan for the Individual and Family market. PPO plans allow you to visit whatever in-network dentist you wish. Popular PPO plans include  Delta dental, Premera, Regence, MetLife, Cigna, Aetna, Guardian, Assurant, United Concordia, Sun Life, GEHA and DHA(Dental Health Association).

If you want to compare which PPO plan is best for you, check this website. http://www.toptenreviews.com/services/insurance/best-dental-insurance/

HMO, or “Health Maintenance Organization” gives you access to certain doctors and hospitals within its network. A network is made up of providers that have agreed to lower their rates for plan members and also meet quality standards. But unlike PPO plans, care under an HMO plan is covered only if you see a provider within that HMO’s network. There are few opportunities to see a non-network provider. There are also typically more restrictions for coverage than other plans, such as allowing only a certain number of visits, tests or treatments.

Alternative options to Dental Insurance are:  Care Credit, Flex spending Accounts, Health Savings accounts, and In-House dental health plans.

CareCredit is a healthcare credit card designed for your health, and wellness needs. It’s a way to pay for the costs of many treatments and procedures and allows you to make convenient monthly payments. If you want to learn more, https://www.carecredit.com/about/

A Flexible Spending Account (also known as a flexible spending arrangement) is a special account you put money into that you use to pay for certain out-of-pocket health care costs (tax free) . More information  here https://www.healthcare.gov/have-job-based-coverage/flexible-spending-accounts/

At Alki Dental we offer an In-House dental health plan (Alki Dental Club).  For a low monthly membership fee you get periodic cleanings,  x-rays and exams at discounted rates. Club membership plans also include discounted fees for any restorative, cosmetic and surgical treatments performed at Alki Dental .  Learn more about this option http://alkidental.com/alki-dental-club/

Our Recommendations:

1) PPO insurance plan.   At Alki dental, You will not incur any co-pay for your preventative care (cleaning, exam x-rays)

2)  In-House membership program. Financially this is best option if you don’t have dental insurance because it is affordable and there are no treatment limitations.

3)  Care-credit. Most  dental offices offer care credit and it is your best option if you need to make payments. Usually they offer 6 months with no interest.  Care credit can be combined with insurance coverage and membership plans.

If you need help choosing or have questions, we are here to help you!  Just give us a call!

Seasonal Allergies? Take Care Of Your Smile

SPRING IS ON THE HORIZON and we couldn’t be more excited! Chirping birds, blooming flowers, and warmer weather are just a few of the things we look forward to when spring comes around. We have to admit though, there is one thing about the season that’s not particularly appealing, and that’s allergies.

Be Aware Of These Dental Side Effects During Allergy Season

Many of you have experienced it, red, itchy and watery eyes and the constant sneezing and congestion. The effects of seasonal allergies can go even further, however, and may even affect your oral health! Here are some mouth-related symptoms to be on the lookout for when seasonal allergies strike.

Tooth Pain

When your body reacts to allergens in the air, you often end up with congested sinuses. Sinus pressure in the maxillary sinuses can sometimes cause the upper molars to ache. Treating your allergies and the congestion should relieve tooth pain. If the pain persists, however, make an appointment with your dentist. It’s important to make sure any aching teeth aren’t the result of tooth decay.

Bad Breath

All that mucus your body is creating can also be bad news for your breath. When you’re congested, mucus from the sinuses leaks into the back of the throat–we call this “post-nasal drip.” Not only can post-nasal drip lead to a sore throat, it can also be the cause of persistent bad breath.

Dry Mouth

Many of you will reach for antihistamines to keep your allergies under control this spring. As helpful as they are, they can often lead to an unpleasant side effect: dry mouth. Saliva is our number one defense against cavity-causing bacteria, so when your mouth is dry, you have a higher risk of developing tooth decay.

Protect Your Mouth This Spring

We want your mouth to stay healthy, even during allergy season. Here are some helpful tips to help you protect your mouth this spring:

  • Continue to practice good oral hygiene. Brush at least twice a day, and floss on a daily basis!
  • Take allergy medication as recommended by your physician, but remember to drink plenty of water to compensate for dry mouth.
  • Try gargling with salt water to help with congestion. Dissolve half a teaspoon of salt in a full glass of warm water and gargle for a few seconds before spitting it out.

To get a more in-depth look at what causes those pesky allergies and what you can do to avoid them, check out the video below!
Don’t Let Allergies Get The Best Of You

We know how difficult spring can be for some of our patients because of allergies. Keep practicing good oral hygiene and call us if you need anything! We’re here to get you through allergy season with a smile on your face.

Thank you for ACHOO-sing our practice! (Gesundheit…)

The content on this blog is not intended to be a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of qualified health providers with questions you may have regarding medical conditions.