While most people carry around a certain level of medical insurance, not everyone has dental insurance. Those who need to get dental insurance, can easily do so in a number of ways. This guide has been designed to help those in need find the right dental insurance plan. Look now so that you can be on your way to the dentist.
You should first decide whether you need an individual plan or a family plan. If you have small children it is important that you take the right steps to keep their teeth healthy. Those who do not have children or a family to support will save some money when they just buy a plan for themselves.
You should find out how much you can afford to pay for dental insurance each month. Many people who get dental insurance do not realize how much it can cost. The cost will depend on the amount of coverage that you get as well as other determining factors. You should always be honest about pre-existing teeth issues that you have. Some companies may charge more, but it will always be a lot easier for you when you are signing up to just let them know about any toothaches or pain you might currently have. This is usually what drives people to find dental insurance.
Before you start shopping for a new plan, you should check with your current employer to see if you have coverage options. Some employers will offer medical as well as dental insurance to all employees. Of course you do need to work for that company for at least 90 days or more. Check and see, you will have the cost taken directly out of your check so you do not have to worry!
You should take a look at all of the major dental insurance companies in order to get the right plan. Each major company has its own coverage plans that will range from person to person. You should see which companies have the best ratings as well as the best prices before you get started.
Along with looking into the top coverage companies, you also need to get quotes. The quote process is vital if you wan to get dental coverage that you can afford. Once you have search through a few companies and received a few quotes, you can easily compare to make sure you get the best price. This may take some time but it is worth it in the long run!
If you are still having trouble finding the right company, find out close friends and family what they are using. References at time can easily save both parties some money. Talk with people that you know to find out which dental companies are the best ones to use.
There is no better time to get dental insurance than right now. You never know when something could happen to your teeth, and you want to be prepared at all times. Start shopping around to seek the best plans and make sure that you get something that is affordable.
This spring the British Government is forcing a new service contract on doctors including new pay scales, changes in opening hours and surgery arrangements.
Now dentists are not normally a complaining profession, but there's now open rebellion amongst them about this new contract. And they're determined not to be bullied.
As a result, thousands of scholars are refusing to accept the new contract and will quit the NHS at the end of March. This will create mayhem for clients – and especially for the five million of us who seek emergency treatment for toothache each year!
Many clients seeking treatment on the NHS will just be treated. And those dentists who accept the new NHS contract will face a flood of new clients. The vast majority will again be turned away as even before this dental bust up, there was an appalling shortage of dentists. Waiting lists are bound to stretch into the ether!
As a result, if you're desperate for treatment to a broken tooth or an abscess, or even want a check up, you'll be forced to search out one of the community based and NHS operated dental surgeries. If you're not sure where to find one, ask your Doctor for details of the closest to you. Unfortunately, the odds are it'll be miles away. Long journeys and a hospital style queue will be the norm. Getting dental treatment will be a days job!
For many of us, going private is the only practical solution. The cynical amongst us may suspect that that's what the government wanted all along!
Going private means getting an appointment when you want one rather than waiting for ages with the NHS, and the ability to pick and choose your dentist. But it will not be cheap. The only good news is there are solutions to control your costs.
Essentially you have four financial options: pay yourself as you go, dental insurance, capitalization schemes or cash plans. Let's consider the financial help you can buy:
The insurance industry has responded with a wide range of varying dental insurance policies. The following are just a few typical examples to give you a favor:
The Axa PPP Healthcare's Dental Costguard policy is designed to cover you just for dental emergencies and not routine work – you'll have to pay those cost all by yourself. But emergency treatment often works out expensive so Axa's policy does have merit. Axa's benefits include:
o Up to £ 10,000 cover per year for treatment following a dental accident (up to £ 2,500 per incident).
o Up to £ 250 emergency temporary treatment per incident in the UK and £ 500 per incident if you're overseas. That's up to a maximum payout of £ 1,000 per year.
o Up to £ 100 per incident for dentist call-out charges upto £ 200 per year.
o £ 50 per night if you'r in hospital under the care of a maxillo-facial or oral surgeon. Again, that's subject to a £ 1,000 annual maximum.
o Oral cancer is insured up to up to £ 25,000.
o Dentist's charges are reimbursed directly to you.
o And Axa provides a 24 hour helpline providing dental advice.
And the cost? It's £ 7.95 per month for a single policy or £ 9.95 for a policy to insure a couple.
If you want a policy that covers both emergency and routine work, a policy such as WPS's Providential policy could fit the bill. It provides a basic level of dentistry cover. Policyholders have to pay the first 25% of each treatment but can claim up to £ 250 per year towards routine treatment including check-ups, visits to the hygienist and fillings. Emergency dental treatment can be claimed up to £ 1,000 per year but cover for accidental dental injury is limited to £ 250 per treatment. For those aged between 18 and 49 the premium is £ 12.48 and it's £ 15.90 per month for those aged between 50 and 69.
For only £ 6 per month you can get basic dental cover with Universal Provident. Their policy insures you for up to £ 1,000 per year for routine work but it will not pay for check-ups. Accidental damage up to £ 1,000 per year and dental emergencies are insured up to £ 5,000 per year.
Many policies also place a maximum on the number of dental treatments that they'll pay for each year. For example, the policy from Boot's limits your claims to two check-ups, one crown and four fills a year up to £ 500. Boot's policies start at £ 9 per month.
So, as you can see from this tiny selection of policies, there are lots of options and lots of aspects to consider.
These are more expensive – but you pay for what you get! Before taking up a policy, your dentist has to make an assessment of your dental health and place you in one of, normally, five treatment groups. This will determine how much your scheme costs. The better your dental condition, the less you pay.
For example, Denplan's dental care scheme costs between £ 9 and £ 30 per month and they tell us that the average price is £ 16.
Cash Back Plans
The last alternative is a combined health cash plan. Dental care is covered along with a wide range of other health treatments such as optical treatment, hospital treatment, physiotherapy, chiropody even allergy testing. Each policy spells out exactly what is insured and the maximum value you can claim to for each type of health treatment. There's plenty of choice as most cash back plans offer three or four alternative levels of benefit. The more you pay, the more you are able to claim.
Some plans allow you to reclaim all of the cost up to the annual maximum set in each health category; some will only pay a proportion of the cost. With cash back plans, the maximum cover for dentistry tend to be in the £ 70 to £ 200 per year range depending on the policy you choose and the level of cover you choose.
For examples of back cash plans, visit the following web sites and click on "cash plans" when you get there: http://www.securehealth.co.uk and [http://www.hsa.co.uk].
How to find the best deals in Dental cover
As with most types of insurance, you'll find it cheapest on the Internet. Many companies give a 10% discount for buying on the Internet. Search for "dental insurance" but use the UK variant of your favorite search engine – otherwise masses of American sites will pop up!
The best sites are those that either compare dental plans or those which are operated by a specialist dental insurance broker. With these brokers, you submit your details and come back with the options and dental policies that best suit your requirements. They'll also be on the look out for special offers.
But if you are determined to go direct to an insurance company, you can still do it on the Internet – but it's illegally that you'll stumble on exactly the best policy! There are so many to choose from! And the broker will probably find it for you cheaper. So, it will come as no surprise to you that we recommend the broker route![Top]
Is this thing on? Have you ever had a toothache so bad, you walked around holding your jaw? The pain you feel is nothing like you've ever experienced before. You thought to yourself, I have no dental insurance. HELP !! That cry for help you just let out, no one heard because it was only a thought. You were not actually talking to someone.
You believe you can not go to the dentist since you do not have insurance. You do not think it is not bad enough to go to the ER. How do you make this pain go away and not cause an even larger pain in your finances?
I was in this situation recently. The difference is that my pain was so bad, for two days my routine looked like this, get up, put a numbing agent on the tooth and try to sleep. When that did not work, get up take some aspirin to help make the pain go away and try to sleep for a while. Once the pain came back, wake up and try the numbing agent all over again.
Do you realize a toothache can get so bad that it can become infected? Once infection sets in, your face can begin to swell. Well, that is what happened to me. You can not let infection get out of hand. YOU MUST do something.
Do you know normally when a toothache happens, the dentist office is not open. My toothache started on a Friday night! When did yours start?
By Sunday, I was a little better that morning. When I was in less discomfort, I remembered I was a member of a discount dental plan.
Surely, this was going to give me some relief.
The benefits I read liked:
• It was effective as soon as I controlled
• It was for my entire household not just me
• It included vision benefits which I had not ever had before
• I could also use it when I traveled to different states.
When I first got my discount dental plan, I did not know how soon it would be before I used it. I was happy to have something in place for just in case a situation happened.
Do you know usually a toothache is unplanned? Then people find themselves in an emergency situation and spending more money than they would like to.
My discount dental plan literally saved me hundreds of dollars on the extraction of that tooth.[Top]
Orthognathic surgery combos maxillofacial surgery or jaw surgery with orthodontics. The ideals of this type of surgery are to improve one's bite and make chewing easier. The surgeries done are designed to correct misalignment of the jaw and make the jaw fit together properly. Facial imbalances such as an underbite, overbite or cleft palate can be corrected using orthognathic surgery. Orthodontics are used to correct malocclusions of the teeth and to improve gummy smiles, where large areas of gums are showing when a person smiles. TMJ disease can be corrected or pretented using orthognathic jaw surgery. Patients who have jaw problems that can not be treated with orthodontics alone have orthognathic surgery to correct the jaw abnormality so the teeth work properly.
Surgery on the upper jaw is called a maxillary osteotomy and surgery on the lower jaw is called a mandibular osteotomy. A patient can have one or both of these surgeries at the same time in order to correct the alignment of the upper and lower jaw and to improve the functionality of the upper and lower jaw. The surgery is generally done using incisions inside the mouth so that there is no external scarring visible.
The term "orthognathic surgery" was first coated by Dr. Harold Hargis, a Doctor of Dentistry. He was the first to consider cleft palate as part of orthognathic surgery. The surgery is used to treat dental problems that can not be treated with orthodontic treatments alone. Bones are cut and re-aligned and then held in place as part of the surgery using screws, plates or screws.
The various indications for orthognathic surgery include the following:
- Discrepancies between the upper and lower jaw alignment, which can be vertical, transverse or antero-posterior
- Facial skeletal abnormalities that result in airway problems, sleep apnea or soft tissue problems
- TMJ pathology that causes facial skeletal discrepancies.
Orthognathic surgery is done by an oral and maxillofacial surgery specialist or a craniofacial surgery specialist and is aided by an orthodontist who straights and aligns the teeth. Braces are often placed before the surgery and after the surgery are complete. There are retainers used as well, often after the braces are completed and removed. Orthognathic surgery is also a part of repairing cleft lips and cleft palates. The orthodontist and the orthognathic surgeon work together to align the bite and teeth.
The surgeon who does the surgery needs to have training in dentistry as well. Oral and maxillary surgery specialists are often trained in dental procedures so they can identify what a normal bite and how to achieve one. This allows the maxillofacial surgery specialist to work best in conjunction with the orthodontist to achieve the best in a normal bite.
It requires a great deal of planning by a multidisciplinary team. Sometimes a speech and language therapist is included along with the maxillofacial surgery specialist and the orthodontist. There may need to be molds of the face created so the anatomy of the person's face is well understood and the surgery can be planned. X-rays need to be taken as well as photographs and software exists that can predict how the person will look after the proposed surgical procedure. The patient can see what he or she will look like after the procedure is over with.
The primary goal of orthognathic surgery is to get a normal bite and a face that looks as pleasant as possible. The airway may need to be enlarged. In fact, orthognathic surgery can correct obstructive sleep apnea in 90 to 100 percent of cases. Both the upper and lower jaws may need surgery in order to enlarge the airway. A nasal tube is used to intubate the patient because the mouth needs to be easily accessed. Bones are cut for greater patency of the airway and the individual can breathe more easily in their sleep.[Top]
At my age, I've always wondered how I can have my teeth aligned without being forced to wear those ugly braces I see on kids and teens. Advances in technology help a lot in developing new products to fit everyone's needs. In recent years, Align Technology has developed Invisalign – a series of transparent, removable aligners that orthodontists recommend as an alternative to traditional braces.
The greatest advantage of Invisalign over traditional braces is its clear aligners. The treatment makes it particularly popular among adults who want to straighten their teeth without glaring metal braces, which are commonly worn by children and adolescents. Many people also claim the aligners set by invisalign dentists to be more comfortable than metal braces. Lastly, the device is removable, allowing you to eat and brush your teeth without those uncomfortable braces.
To properly use the aligners, they should be removed before before ingesting food or beverages, as well as water, and also before brushing. Computerized treatment planning, like other orthodontic treatments, is an important part of the Invisalign treatment. The duration of the treatment and the expected outcome of the smile are reviewed during computerized treatment planning and also allows the patient to compare different plans to help in deciding whether to go with the treatment or not.
Aside from the cosmetic advantages, aligners avoid many of the side effects of traditional fixed appliances, particularly the effects on the gums and supporting tissues. Tooth decay and demineralization can occur in fifty percent of patients who have non-removable metal braces. It has also been reported that fixed appliances can cause the roots of the teeth to shorten. Invisalign aligners also cause less pain as they give less force than metal braces.
A lot of people prefer Invisalign treatments rather than traditional braces since they look better, are more comfortable, and much quicker. A large-scale study showed that traditional appliances took an average of 36 months, with the longest treatment taking 96 months. On the other hand, Invisalign only takes around 12 to 18 months to finish. Dental implants or surgery would only take half the time, if you're looking for the quickest method. However, those methods are likely to be more expensive than getting dental appliances or Invisalign.[Top]
Practicing good nutrition and good dental health care are extremely important during your child's teen years. The teen years are challenging years and a proper diet, together with regular brushing and flossing play an important role in maintaining a healthy smile and preserving teeth for years to come.
Cavities and periodontal disease can be a serious threat to teens as well as adults and small children. Surveys have shown that bleeding gums are most prevalent among teenagers and three quarters of 13 year olds have gums that bleed. Here are some helpful tips to maintaining good dental health for teens.
• Thoroughly brush after meals whenever possible and floss daily.
• A proper diet is incredibly important to maintain and preserve good dental care. Avoid unhealthy snacking as well as sticky foods that cling to your teeth.
• Fluoride is important to help inhibit tooth decay, so remember to use a small amount of fluoridated toothpaste daily. Fluoride can also be found in mouth rinses and some foods.
• If your child is wearing custom-made appliances or dental braces, make sure they clean between the teeth and archwires by using floss threaders and orthodontic toothbrushes that are specifically designed to make cleaning teeth and braces easier.
• When playing sports, make sure your child is wearing a mouthguard to prevent dental injuries.
• Stress can often affect teenagers, leading to teeth grinding at night. If necessary, provide them with a night guard to prevent damage to the teeth and jaw during the night.
While many teenagers care about their appearance, it sometimes does not extend to their dental care. It is important that they create a dental care routine that fits into their busy schedules and includes flossing. In addition, some teens may want to have an oral piercing. Encourage your teen to discuss this decision with his or her dentist and, if your teen does get a piercing, make sure it is kept clean to prevent infection.
Remember that regular dental care is important for good oral health. Your teenager should not only brush and floss every day, but should visit a dentist at least twice a year. Encourage your teenager to discuss any problems they may have with the dentist. If he or she is experiencing any pain, bleeding from the gums or other problems, do not be afraid to talk to your dentist about it at your next visit. If you experience some severe pain, call your dentist immediately.[Top]
Millions of women across the world suffer from acne. Are you also one of them who suffer from acne problem? You know what's even worse than acne? The scars that get left on the skin once the acne starts to disappear.
You'll be surprised to know that more than 60% people are affected by acne problem at some point in their life. After the acne disappears, there's a high possibility that they'll have acne scars.
Keep in mind that acne is not something that only affects or attacks just in your teen years, instead of scars left on your face can remain for a lifetime. Nobody is flawless, we have some flaws, but clear acne scars on our faces obviously rupture our beauty to a great extent. This is the reason why we must make effort to hide these scars permanently.
By following the process of shedding, the external surface layer of the skin attaches itself after every 28 days, which is known as peeling or natural exfoliation. This is where cosmetic treatments can help, for example Microdermabrasion treatment accelerates the rate at which the skin would restore itself, missing new, fresh shinning skin.
Microdermabrasion is available in cosmetic clinics and it is performed by qualified surgeons only. The machines used in cosmetic microdermabrasion offer desired results. Whether it is gentle peeling or major skin treatments, these machines transform the surface, and you get a smooth and glowing skin like you had never before.
Worried about your safety? Just relax, microdermabrasion is a safe, controlled cosmetic treatment that intensely exfoliates and resurfaces your skin. It will clean the external layers of the skin, recovering a fresh surface, while reducing the visibility of acne scars and other skin flaws. It makes the skin smooth, eliminating small scars, uneven skin tone, sun damage, birthmarks, aging signs and other spots.
Microdermabrasion is one of the best treatment available that uses a light spray of precious stones, which will tenderly and easily remove dead & dull cells from the upper layer of the skin. Then, the vacuum suction evacuates the gems and dead / dull cells that results in cleaned, smooth and sparkling skin.
The benefits of microdermabrasion are unlimited and the treatment is appropriate for all skin types. It helps in the development of new skin and collagen, which thickens the dermis and effects resistances to the effects of aging. There's hardly any time required for recovery after this treatment, and you can go back to your normal lifestyle or work after 1 or 2 hours.
We can say that microdermabrasion is certainly the best acne scar treatment. Microdermabrasion is a safe procedure that's performed to treat different types of skin conditions to keep the skin in good condition. However, it should only be performed by a qualified and expert surgeon.[Top]
Article rewriting is a literary skill that many think they possess, but few actually do. There are many reasons for rewriting an article and the approach to the task will generally be dependent on the reason and required result. Let’s have a look at some typical objectives people have when rewriting articles.
Article Directory Submission
A popular internet service is the provision of a second, rewritten, version of a commissioned article, so that the customer receives two articles rather than one. This allows one version to be posted on your own website and the rewritten version to be submitted to article directories. The purpose of doing this is to avoid you competing with others using exactly the same content as you. There seems little point in you placing an article on your own web page then submitting that article to directories from which your competitors can copy them to their own web pages.
You are then competing for keywords against potentially hundreds of other websites using your own article. You may have your resource box on their site, each one giving you a valuable back-link, but this could be insufficient to make up for all that competition with duplicate content that may cause your site to drop down the listings.
What you should do to avoid this is to offer an alternative version to the directories and the way that the article is amended is important. It must give the same meaning as the original, but contain different semantics. The keyword density must be reasonable, around 1%, and the textual theme of the page must be relevant to the keyword targeted. The rewrite should be different enough to be regarded as unique, but not so different that it does not adequately address the topic at hand.
Use The Same Article On More Than One Web Page
Exactly the same approach should be used if you want to use the same article on a number of different websites or pages utilising the same keyword. Here, you are competing against yourself, and the article should be rewritten so that this does not happen. You have the same situation as that above, except you are your own competition. Unless the article is radically rewritten you may be in danger of diluting your website with too much similar content. This is the most common reason for article rewriting.
Use The Same Article For Different Keywords
Another common reason for articles being rewritten is that the customer wants to use the same article for a range of different keywords. This involves a slightly different style of rewriting since two keywords rarely have exactly the same meaning. How many exact synonyms are there? Very few, since most words have their own roots and there are generally different nuances in meaning between words which are synonymic in some contexts, but not in all.
In such cases the article will be adjusted to meet the requirements of the vocabulary being used. For example, the terms ‘internet marketing’ and ‘online marketing’ appear to have the same meaning in the context of marketing techniques, but the words ‘internet’ and ‘online’ are not synonyms – not even close. You can work ‘online’ but you can’t work ‘internet’. The reason is that ‘internet’ can be a noun or an adjective, while ‘online’ can be an adjective or an adverb.
The consequence of this is that one cannot always be used synonymously for the other, so article rewriting involves more than simple word substitution. It involves a good knowledge of grammar and vocabulary. This is where I see most attempts at rewriting articles go wrong: through misuse of grammar and a misunderstanding of the parts of speech. It can get complicated when we consider noun, adjective and adverb clauses, and article rewriting is not as simple as most believe.
Rewriting Scraped Articles
A major rewrite service frequently required is the provision of a complete rewrite of an article so that it bears little resemblance to the original. The customer likes the look of an article, but wants it rewritten so that it is indistinguishable from the original. A bit of a conflict there, I feel. This kind of work tends to indicate that the article has been scraped from the internet and the author’s resource box removed. The customer wants the article rewritten with his or her own name as author, and written so that the original author will not recognize it. What’s the point? It is better to write the article from scratch, not only because its is legal, but because it is easier. It is easier for authors to give their own slant on a topic than copy that of another.
The next time you want an article rewritten please determine clearly what your objective is. If a rewrite is essential have it done professionally or it could harm your listing rather than improve it, and please do not ask for a rewrite if a fresh article would do – it is easier for a professional article writer to write originally than copy another author’s style. If the sense of the piece is to be exactly maintained, article rewriting is not as simple a task as most people believe it to be.[Top]
Stretching can be a difficult concept for humans to embrace. While most would agree that the idea of stretching, whether it be in regards to muscles, thinking or creativity, is a good idea many of us have trouble practicing it ourselves. People are creatures of habit and when a pattern is learned and it works it's very hard to get someone to reach beyond what they already know. But stretching is essential to not only developing the human body but also the brain. Our minds are just like the other muscles in our body and if not exercised properly will not be as fit or as sharp as we might like.
Brain stretching is the practice of forcing the mind to process new information and to be creative in using that information to solve problems, retain memory and sharpen cognitive abilities. If you do not stretch your brain then you will stagnate in the thought processes that got you this far in life but may not get you much further.
Developing the brain is essential to survival and maintaining a healthy and fit mind. The more you can stretch your brain the more creativity you allow and in turn the more adept you become at solving problems, finding solutions to puzzles and riddles and sharpening your brain's reflexive ability so you can think faster and more clearly.
Mathematics games are just one way you can train your brain to stretch beyond its learned patterns. Algebra, geometry and other math branches force the mind to analyze a problem from several angles to find a solution. Research has shown that many people struggle with math problems and other brain games because they can not "see" the problem and therefore can not be expected to find a solution.
Brain stretching helps open the mind up and allow new information and perspectives to be processed in the hopes of finding a solution to a problem. In school each grade you succeed to come with new challenges and problems that you will not be able to solve simply relying on the skills you learned the year before. After school though many people stop exercising their brain stretching capabilities and fall back on thought processes that have worked in the past. But in so doing you actually hinder the mind's ability to develop and grow.
Through simple yet creative brain training games including chess, crossword puzzles, memory match games and riddles you actively exercise the brain's many skills and in a sense stretch the mind's information processing ability. When you practice brain stretching you will notice in time how much more creative you are at finding solutions to common everyday problems and how much more clearly you are able to think.[Top]