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 Discount Dental Plans

A dental plan not only covers you for routine, preventative, and emergency treatments, but can also cover the cost of materials and examinations. There are many types of plans out there that may meet your needs. 

The best way to start looking for a plan is to first figure out how much you're willing to spend on a dental care package each year. The median number is around $1050 - $4500 per year. That number is going to vary depending on things like the deductible level in your plan, which type of insurance you have, your family size and regionality, etcetera. Next go over what's covered under that package and what's not covered by visiting Healthcare Blue Book's website at www.healthcbluebook.com. 

Some plans cover all of these things in full, while others may charge you a minimal monthly amount for some services or do not charge you anything at all for certain services at all. Some plans may have special limits on how much they'll pay for major procedures, such as crowns and bridges and the like. Don't fall into the trap of thinking that because a plan covers everything that it's cheap - remember that you're paying for the plan itself so it doesn't matter if it's $10 or $100 - as long as you get what you need covered. 

Finally, no matter what plan you choose, it's important to know what your deductible is. If you're spending too much out of pocket, that's money that could be spent on other things - such as emergency funds and retirement funds. 

If you do not have dental insurance through your employer, there are several ways to get dental insurance plans. Here are some of the most common options:

When purchasing a dental plan, it is essential to read the small print! Dental plans come in a variety of features and prices. It is important to read all information enclosed with the plan. Many plans offer discounts for certain services, but some only cover one type of treatment. It is important to know the details of what the plan covers in order to determine how much your insurance plan will actually cover you for. Also, be sure to compare plans and read free and low cost dental plans like Groupon, LivingSocial, Google Offers and other discount dental sites.

1. The Affordable Care Act was passed in 2010 after being vetoed by President Bush. The ACA helps with health insurance for those with no contribution from employers or government subsidized insurance programs (Medicaid/Medicare). As a result, the number of people without health care coverage has declined by about 2 million people since the ACA was passed in 2010. 

The downside to this is that the ACA has increased premiums and deductible amounts. The good news is that the average premium has decreased by 10% since 2010 and deductible amounts have decreased by 11%.

Additionally, in 2018, the Republican Party passed a bill called "Trumpcare" that would undo much of the ACA. The high costs are seen in higher deductibles, fewer people eligible for Medicaid, and fewer people with dental coverage.

2. Medicaid is a program that helps low-income individuals pay for medical expenses from government subsidies or through state taxes. In some states, Medicaid covers dental care. In others, there is no dental coverage. Note that in 2010, the Affordable Care Act gave states the option to make people under 65 years of age eligible for Medicaid. Since then, 28 states have expanded Medicaid and the other 22 have not. If you are uninsured and live in a non-Medicaid state, you should contact your legislature to see what can be done at a state level to expand Medicaid to cover more individuals.

3. Medicare is government-run health insurance for people over 65 years of age or who qualify by disability or injury/illness. There are two parts of Medicare: Part A (hospital coverage) and Part B (outpatient services). Part B is optional and covers outpatient services (including dental services when medically necessary). It is important to note that Parts A and B of Medicare are currently in jeopardy of being cut by President Trump due to the passing of the American Health Care Act.

4. The Children's Health Insurance Program (CHIP) is a program that helps families pay for health insurance for their children up to 19 years of age (in some states). Some states cover the entire bill while others require co-pays or premiums. 

5. Medi-Cal is California's state health care plan. It is part of Medicare and provides coverage for those under 65 years of age regardless of whether you have Medicaid or Medicare. The benefits are provided to people in need of health care regardless of race, religion, color, national origin, or sex. The benefits are provided by the state and the federal government.

6. TRICARE (the military) covers family dental coverage for some active duty servicemembers and their families including children under 19 years of age depending on location stationed all over the world with the exception of Puerto Rico (partially covered).

7. Medicaid is a program that helps low-income individuals pay for medical expenses from government subsidies or through state taxes. In some states, Medicaid covers dental care. In others, there is no dental coverage. Note that in 2010, the Affordable Care Act gave states the option to make people under 65 years of age eligible for Medicaid. Since then, 28 states have expanded Medicaid and the other 22 have not. If you are uninsured and live in a non-Medicaid state, you should contact your legislature to see what can be done at a state level to expand Medicaid to cover more individuals.

8. Medicare is government-run health insurance for people over 65 years of age or who qualify by disability or injury/illness. There are two parts of Medicare: Part A (hospital coverage) and Part B (outpatient services). Part B is optional and covers outpatient services (including dental services when medically necessary). It is important to note that Parts A and B of Medicare are currently in jeopardy of being cut by President Trump due to the passage of the American Health Care Act.

9. The Children's Health Insurance Program (CHIP) is a program that helps families pay for health insurance for their children up to 19 years of age depending on location stationed all over the world with the exception of Puerto Rico (partially covered).

10. Medi-Cal is California's state health care plan. It is part of Medicare and provides coverage for those under 65 years of age regardless of whether you have Medicaid or Medicare. The benefits are provided to people in need of health care regardless of race, religion, color, national origin, or sex. The benefits are provided by the state and the federal government.

11. The Veterans Administration offers VA dental coverage through a separate VA plan that must be purchased outside of your military health care system. Also known as a VHA-run plan.

12. TRICARE (the military) covers family dental coverage for some active duty servicemembers and their families including children under 19 years of age depending on location stationed all over the world with the exception of Puerto Rico (partially covered).

Conclusion

Americans have many health care options for some of the most common issues that our population encounters. Overall, it is important to consider that there are many alternatives and therefore it is important to research all of your options before choosing a particular one. 

10 Reasons Why You Should Get Dentures Before The End Of 2018

1. Over $50 Billion Per Year - According to a study conducted by the World Health Organization, dental prosthetics can generate a revenue for over $50 billion per year. Amid this study, the World Health Organization also noted that: "Dentures are now available in almost all countries in Southeast Asia, where their use is growing rapidly".