Obtaining dental insurance is crucial for Canadians because the majority of the provinces' health care program does not provide dental insurance coverage, and the ones that do, typically offer it to children between the ages 0 to 12.
For many individuals and families, out-of-pocket dental expenses can put a significant dent in the budget, making the purchase of dental insurance a virtual necessity to offset the costs. Individuals that are not able to obtain dental insurance through an employer's group plan can get Canadian dental insurance quotes online from insurance providers who can fill in the gaps in their provincial plans.
Getting dental insurance quotes is a wise decision, and it allows you to select the dental plan that is right for you and for your family.
How to get Canadian dental insurance quotes
One of the quickest and easiest ways to obtain a Canadian dental insurance quote is through the internet. Many insurance carriers provide quotes online for dental coverage, along with pertinent information and details of various dental plans.
The internet is a powerful tool for obtaining insurance quotes because it allows an individual to compare plans side-by-side in a relatively short amount of time. Dental insurance plans vary in the services they cover, monthly premiums, and methods of reimbursements. For instance, some plans may cover dental procedures for cosmetic purposes, while others stipulate that they do not.
Like most people, you want to get the dental coverage that you need at a price you can afford. When comparing dental insurance plans, you may find that some of the services offered are not important to you, so the first step is to determine your insurance needs and those of your family. You should consider facts such as: if you have children, they may ever require braces; as you age, dentures or other dental prosthetic devices are likely to become a need. Taking the time to examine the terms and conditions of more than one plan will enable you to choose the dental coverage that suits you best without necessarily compromising your budget.
Types of dental coverage benefits
Most dental plans offer both preventative and reparative benefits. This means that in addition to coverage for regular diagnostic and preventive services, they also provide coverage for treatment of dental problems. A good dental plan will cover a significant portion of the cost of dental services and required procedures.
Some basic diagnostic and preventive dental services include: examinations every 6 months, cleansings and regular x-rays. Some basic dental procedures include: fillings, root canals, tooth extracts, and gum treatments. Some of the major dental services that are typically covered at 50% of the cost include: dental crowns, bridgework, and partial or complete dentures. In some cases, there are coverage maximums, so be sure to read the terms and conditions of the contract and all its fine print.
Dental Care and Expenses
Common dental problems include tarter build-up, cavities, gingivitis and gum disease, all of which usually result from lack of dental care. Without dental insurance, proper dental care can be relatively expensive. Teeth cleaning, x-rays, fillings, and root canals are some of the typical procedures encountered during a visit to the dentist. A cleaning can range in price from $ 90 to $ 200, and a root canal can cost over $ 1,000.
Dental care is every bit as important as going to the doctor for a check-up. Regular visits to the dentist can prevent potential dental problems as they can be identified before they become major issues. So carefully review your dental insurance quotes, and once you have a dental plan in place, you can visit the dentist regularly without fear of a bill that you can not afford.
Over time, bacteria and plaque can cause decay in our teeth. If left untreated, that decay can cause gum disease, bad breath, and other serious health concerns in and outside our mouths. This occurrence is known as a cavity, and your dentist will be able to assess and treat all types of cavities with something called a filling. Different types of dental fillings are also used to repair cracked and broken teeth that may have become worn down over the years.
The tooth is first numbered, and then your dentist will drill into the tooth to remove all signs of decay. After which, the cavity left open from decay removal will be filled. There are many different types of dental fillings, suitable for different situations. There are two types of indirect fillings. The first type, inlays, feature dental work within the cusps of the surface of the tooth. On the other hand, onlays cover more than one cusp, involve much more extensive work, and are often considered partial crowns.
Many practices offer cast gold fillings. While these are expensive, they are very long lasting, and can protect the cavity of a tooth for up to 15 years (sometimes longer). Gold is a very strong metal, and can withstand a lot of chewing and other types of wear and tear. Some people also prefer the look of gold to silver colored metals offered. Keep in mind, these types of fillings are expensive, and may require more than one dental visit to properly fill the cavity. Silver is also widely used because it is long lasting and very strong. On the other hand, silver does not match the natural color of teeth, and a small percentage of patients experience an allergic reaction to this type of metal.
Dentists currently use composites to fill cavities, mostly because they are available in natural tooth-colored varieties. Composites provide a nice bond to the tooth that can support the tooth for long lasting use. Composites can also be used to repair cracked or broken teeth, but some dentists feel that they lack the durability of other types of dental fillings. Chipping can occur with this type, and many cost up to twice as much as other filling alternatives.
Ceramic is broadly used by dentists because they are the most stain-resistant, natural looking, and longest lasting. Keep in mind, this type of filling can cost as much as gold. Glass, or acrylic, may be offered to you if your filling falls below the gum line. This type of filling is also recommended for young children, because it releases fluoride into the gum line that can further strengthen and protect teeth and gums. Acrylic does not last as long as other options, however, and my need to be replaced or repaired after as little as five years.
Discuss your options with your dentist before deciding on a filling. All of the filling options may not be available at your dentist's practice, and some of the options may not be the best fit for you. Choose the most practical and natural looking filling for your cavity to maintain a healthy and beautiful smile.[Top]
Individuals are often worried about the expense of insurance especially dental insurance plans. There are many things to consider when shopping for a dental insurance plan especially if the dental insurance plan is not offered through work. If you do not have a dental insurance plan, you may wind up with a large dental bill to have the work performed or you may not be able to get the work done because of the amount. Dental insurance plans are there to help the individual with their needs.
You will want to consider every option. In other words consider the savings versus the cost of not having a dental insurance plan. You may be surprised at the amount you will spend for a dental insurance plan, but you may be shocked at just how much dental work costs if you do not have the dental insurance plan.
Most procedures are close to four hundred to over a thousand dollars for minimal work. A cleaning may be two hundred or less, but fillings and other work is very expensive.
Finding A low Cost Dental Insurance
You can find dental insurance plans that are sixty-five dollars or sometimes less a month depending on the deductible and coverage, you wish to have. This means you can afford the dental insurance and work while saving a significant amount of income.
Here are a few things to consider if you have a dental insurance plan through work. Employers either offer two types of plans. One dental insurance plan is where you have one cleaning per year and full coverage for fillings, bridges, and other work for a small fee. The other plan offers more coverage’s and a deductible so that you can chose whichever dentist you wish rather than the one on the HMO list.
Insurance Through Work
Your work may even help you pay for a percentage of your dental insurance plan to help lower the monthly payments. These policies are usually only offered to full time employees especially if the company is willing to pay a percentage. You may have the option as a part time employee to take advantage of the dental insurance plan with lower rates, but you would have to pay the entire amount instead of having help.
Dental insurance plans may leave you with a bill at the end depending on the type of coverage you have. If you have a deductible and an eighty/twenty, plan then you will be liable for twenty percent of the visit as well as the office visit charge. The above information is very important when you are considering purchasing a dental insurance plan to help you get the work you need.[Top]
If you are self-conscious about your smile due to gaps in your teeth or a overbite, you might be a good candidate for braces or other orthodontic treatments. Orthodontics is the specialty of dentistry that deals with correcting misaligned teeth, getting your bite in order for cosmetic or hygienic purposes. It is a common misconception that orthodontic treatments are only appropriate for children. In fact, any age can benefit from orthodontic treatments, provided that the patient has healthy teeth, bones, and gums to work with.
Teeth movement is based on the physical manipulation of the existing teeth and their structures. This movement is repeated several times during the course of a full orthodontic treatment, so that you can see slow but steady progress. The full treatment can take anywhere from 18 months to several years, depending on the age of the patient and their current state of oral health. To get started with any new treatment, you must first meet with your orthodontist or general dentist for a consultation. During this consultation, you can expect to have your smile looked at closely. This will include a discussion of your medical and dental history, as well as a physical examination. You will have photographs, X-rays, and impressions taken from your teeth and bite for diagnosis.
There are numerous benefits associated with orthodontics. Some of the primary benefits are purely cosmetic. If you are feeling self-conscious about your crooked teeth, orthodontic treatment can leave you with perfectly straight teeth. However, beyond a great smile this type of treatment is also beneficial for hygienic reasons. When you have large gaps in the teeth or an overcrowded mouth, it can be difficult to clean in between teeth properly. By moving the teeth to a more manageable position, you can be sure to get in between each and every tooth for a thorough cleaning, preventing gum disease.
Another benefit to orthodontics is that that it can correct protruding teeth, reducing the risk of injury during regular sports or other activities. Realignment can cause a better facial profile, and less stress is placed on your jaw joints. Orthodontic treatment can also cut down on the wear and tear that teeth are subjected to at times. If you are in need of further dental treatments, it helps to have a properly aligned jaw and bite to make this work go more smoothly, and you may find it easier to speak and eat with well arranged teeth.
These are only a few benefits of choosing orthodontic treatment for those with crooked, crowed, or misshapen teeth. The right treatment may vary in between every individual, and so orthodontics can be a highly individualized science. With smaller braces and more treatment options than ever before, you can choose from a wide range of styles when you start your treatment. It's best to speak to your general dentist to get the ball rolling and receive a referral to a orthodontist if you are in need of orthodontic treatment, as it's better to treat this problem sooner rather than later for best results.[Top]
Bonding over Braces? How does that statement translate to helping our teenagers and pre-teens feel good about themselves and the world they live in? If it is not the Ellen show, Dr. Phil or just the local newspaper; it seems that accounts of young people being bullied is a daily occurrence. This should be of concern to us all, as our young people are either learning to treat others as their punching bags, or they are being taught that they are the punching bag. At what point do we, adults, speak out and step up to steer pre-teens and teens to a different mindset?
So how does this lead in wearing wearing braces? Well it's been proven that having a smile that you are proud of boosts self esteem dramatically and contributes to overall health and wellness. Now, this theory can be applied to both the bullied and the bullies. Psychological reports tell us that individuals who choose to bully others often feel inadequate about themselves. And having a smile that causes embarrassment to the individual, can be the catalyst to lash out at others, or be the target for taunts.
Often it is later in life, when an individual may have fixed their crooked teeth, that they can reflect back on how their crooked smile imputed their life growing up. Adult Orthodontic patients will make reference to feeling inadequate, never smiling in photos, not wanting to date and yes, being called names and excluded from peer activities. Not really the way we want our young people to experience their youth.
Orthodontic treatment has never been more available, affordable or efficient. Gone are the days of wearing 'train tracks' and having to hide a 'metal mouth'. Today's orthodontic technology allows practically invisible options and treatment times that have literally shaved a third of traditional appointment requirements. This is a huge advantage to parents who bring their children to orthodontic appointments – less appointments means more time to do other things.
But what today's orthodontic options offer is an opportunity for a young person to feel good about themselves. To be able to refer to their peers and even offer support to a friend who is also going through orthodontic treatment. Orthodontics are always available to individuals of all ages, but studies show that moving teeth at the right age brings a better treatment result and an easier treatment course. And the right age is prior to adulthood, the right age is when your teenager is hiding from the world and not smiling, the right age is now so that there are more days of smiling than of feeling inadequate.[Top]
We hear a lot about the growing number of Americans who lack health insurance. Right now, the number is close to 50 million people. But did you know that twice that many Americans lack dental insurance plans. They are even rarer than medical plans! Some companies do not offer them. Other uncovered people may be unemployed or self-employed, and so they lack dental benefits. In addition, Medicare does not cover many dental services, so many seniors look for additional coverage.
However, some dental services are very expensive. Some people may even put off getting regular checkups or having small problems fixed because they are worried about the bill. When regular checkups, teeth cleaning, or routine fillings get neglected, then small problems can grow into large ones. It is important to figure out how you can afford dental care.
Dental Insurance Policies
A typical dental insurance policy will cover many routine services. You should be able to have checkups, teeth cleanings, and even normal fillings attended to by paying a small deductible or copay. If you need more expensive services like crowns or bridges, it will probably mean you have to be concerned about a yearly maximum which many policies have.
Be sure and check into the details of any policy you plan on buying to make sure you understand how it handles covered services, and how much you will have to pay if the services are covered. Also note the plan’s yearly maximum payout. And finally, take note of which services are not covered at all.
What services are not covered? The answer to that question depends upon the policy. But many dental policies do not cover cosmetic dentistry or orthodontic braces. If you are buying a policy to help you cover those expenses, be sure the policy you pick will help you.
Also note that some plans impose waiting periods on some covered services. For example, a dental plan may cover routine fillings right away, but force you to be insured for 12 months before crowns will be covered.
Many dental policies also have a network or dental providers. This means you will get the highest level of coverage if you stick to that network or participating providers. Sometimes you will get a better deal on uncovered services because of the network.
Dental Discount Plans vs. Dental Insurance
You may also explore another alternative to an actual dental insurance policy. A dental discount plan is not insurance, but does help members save money by giving them a network of providers who agree to charge lower prices to people who join the plans. They are typically much cheaper than policies, and there is usually no waiting period.
In addition if there are participating specialists on the plan, you may be able to find cheaper cosmetic or orthodontic services, even if they are not covered by your dental policy.
You can search the network. Your own dentists, or dentists in your area, may already participate. Sometimes buying an actual dental insurance policy is the right thing to do. But after you consider deductibles, copayments, monthly premiums, and yearly coverage limits, you may find that a discount dental plan works out just as well.[Top]
Invisalign hygiene? Here is just one more reason Invisalign clear braces are superior to the traditional metal braces of our parent's time. The gentle nagging of our mother's voice echoes in our mind as we dutifully brush and floss our teeth twice a day fighting plaque buildup to keep our pearls whites healthy and clean. Bulky metal braces can be a hassle to keep clean for aesthetic purposes, but imagine what you can not see hiding around those metal brackets and wires. Invisalign braces have not only revolutionized smile aesthetics, but have changed dental hygiene forever.
The clear Invisalign aligners are removed for every meal, which means that you will not get embarrassing food bits in your teeth and more importantly it makes keeping your teeth healthy and clean a cinch. With Invisalign, brushing and flossing after meals, before bed and upon waking is as simple as if you did not have braces at all. For these brief periods, the aligners can be removed so your teeth can get a thorough brushing and flossing. The aligners also come with their own cleaning solution to help remove any lingering bacteria before they go back into your mouth. As an added benefit, you change aligners every 3-4 weeks depending on your smile needs. This translates to less time each your clear braces actually have to be in your mouth. The cycling of new Invisalign aligners through your treatment can put your mind at ease when it comes to microscopic bacteria in hard to reach places and just when you feel like that cleaning solution is not keeping your aligners clean enough, it is time for a new set. The Invisalign system was designed for easy use and great aesthetics, but dental hygiene is an additional bonus to an already amazing product.
Compare this with traditional braces that require clever maneuvering around bulky brackets, as well as wearing the same set of metal braces for the duration of your treatment. Yes, your bands get changed on a regular basis, but the metal braces are there to stay regardless of the number of cheetos, oreos, or other teeth sticking food you eat. Something as simple as easier teeth cleanings can go a long way to maintaining oral hygiene and good oral hygiene is always the first place to start when seeking that perfect smile. Dental hygiene is just one of the many benefits of Invisalign clear braces.[Top]
If you want a gorgeous smile and straight teeth, but don’t want the show of metal braces, invisalign is the way to go. Invisalign (commonly misspelled as invisaline) consists of a series of clear trays, called aligners, which are custom designed for your teeth and your teeth only. Barely visible, and less painful than traditional braces, it’s no wonder there have already been over a million people nationwide who completed treatment. Using advanced 3-D computer-imaging technology, Invisalign depicts your complete treatment plan, from the initial position of your teeth to the final desired position. Then a series of clear aligners are custom-made for your teeth. These ‘trays’ are made of thermoplastic material.
You change aligners every 2 weeks, so your teeth move little by little. Average treatment time is about a year but varies depending on the severity of your case. Mild cases might even wear invisalign for as little as six months! This is a major plus compared to metal braces, as metal braces typically take a lot longer to get the job done. This is because with metal braces, you have to come in to see your orthodontist about every 6 weeks to get the metal and wires tightened. With invisalign, you change trays every 2 weeks, so teeth are moving and adjusting more frequently. This also makes invisalign a lot less painful than traditional braces because since you’re changing trays so often, you can do smaller movements each time. Whereas with braces, they are tightened less frequently, so you will have a lot of tooth movement with each adjustment, causing much greater pain.
All You Need to Know About Invisalign is Right Here!
The invisalign process starts out with your first trip to the orthodontist. Once you decide to do it, your orthodontist will take some molds of your teeth. This is relatively painless but not the most pleasant feeling to have that gooey stuff in your mouth. The whole process takes under 10 minutes after which your orthodontist sends your molds to invisalign. Once they have your molds, they construct a customized video which you will be shown on your next appointment. This video will show how your teeth will move after each tray, and you will basically see the shifting of your teeth from beginning to end result. It’s very motivating to see what your teeth will look like upon completion. Once you approve the video, it could take up to around three weeks for your trays to arrive.
Invisalign ships your complete package of trays to your orthodontist, who will then schedule for you to come in so that they can teach you how to put on and remove your first tray. There are also 2 things that may need to happen before starting your invisalign. This is where the importance of having a really good orthodontist comes in.
1- Attachments – Some cases require attachments, which are little clear bumps that are glued to your teeth and hardened with a light. The purpose of them is to help the aligners shift certain teeth more than others. These are clean and usually unseen, and are removed once your invisalign treatment is complete.
2- Filing your teeth – In some cases, your orthodontist might need to file down your teeth from the sides a bit to create room for your teeth to shift (if your mouth is overcrowded). Invisalign will send them a chart of which specific teeth need to be filed and how much from each tooth.
Once You Begin
Will Invisalign Affect my Speech? Many people wonder if invisalign will impact their speech. Some people may temporarily experience a slight lisp for a day or two. Once the tongue gets used to having aligners in your mouth, speech will be normal again.
Is Invisalign Painful? Invisalign is generally much less painful than traditional braces. In fact, you mostly only experience some pain and discomfort for the first day or two of each tray, since each tray will be tighter and put more pressure for your teeth to move. It is recommended to put each of your new trays in at night and take an Advil if necessary. This way, your tray will loosen up a bit by the time you wake up.
After starting invisalign, you have to keep your tray on for at least 22 hours each day. That gives you 2 hours a day to have them off for meals and brushing. You CANNOT eat while wearing your tray. You are allowed to drink water. Make sure to never drink any hot beverages while wearing your trays, as this will melt the plastic. According to the invisalign site, you are allowed to have your trays off for 4 hours a day, but this is NOT recommended. When you were given your ‘estimated’ treatment time, it is estimated based on how well you follow your regimen. The closer you stick to your schedule of switching trays and the less you have them out, the sooner you will see results.
Caring for your Teeth and Invisalign Trays
You should be taking extra better care of your teeth while using invisalign! You should brush your teeth after every meal. In addition to that, make sure you brush the trays as well to prevent odor. Most invisalign users will notice an odor when they remove their invisalign, and this is normal but can be aided by brushing the inner and outer part of the trays with the remainder of your toothpaste after brushing. You should also floss every day! In addition to brushing and flossing, we recommend a cleaning agent for your retainer such as RetainerBrite. This will keep your trays clean and odorless. You must soak your invasalign in water with retainerbrite at least ONCE a day, or two if you can fit it in morning and night.[Top]
We all know that dental insurance has a very important role in today's society. Not many people know that unhealthy teeth can affect a person's overall health and can also lower self confidence. Nowadays due to many factors people find themselves in the situation of having to visit their dentist at least once a year. Sometimes taking proper care of your teeth necessities having to spend a lot of money on dental procedures that is why buying insurance is a lot wiser.
Now the first thing to do when buying dental insurance is to choose a dental plan. There are a variety of dental plans available from which you can choose one that will cover your needs. Basically there are three major categories of plans. The first one is the PPO plan which means you get to choose form a list of in network doctors and you have to pay a specific coinsurance amount of money (for example 30%) for each dental service. The second plan is the managed care or the DHMO plan. This means a certain dentist will be paid a flat fee and in return he will provide a certain type of treatment at no cost for you. This type of plan is also usually the least expensive. In the third category we have direct reimbursements or DR which means that you will be reimbursed the amount of money you spend for any type of dental service. This one is great because it gives you the ability to choose any dentist you like.
Here are some important questions that you need to ask and they will help you choose the best dental insurance:
• if you and your dentist get the choice of course of treatment
• can you choose the dentist yourself?
• Does the insurance cover emergencies, diagnosis and maintenance procedures? Also does it cover cleanings and x-rays?
• if there is an away from home emergency what is the protocol and what is the coverage?
• does it cover major dental care, dentures and implants?
• what is the percentage of the premium that goes to coverage and the percentage that goes to care?
If you do not have enough time to go and visit a dental insurer, then the best thing to do is to go online and search. You will get all the information you need without having to lift a finger or having to waste time going out. Not only you can get information faster but you can also find many websites that offer great discounts if you buy the insurance from their site.[Top]