Dental Plans That Save Your Money

Healthcare across America, as we all know, is a very costly affair. Especially if it’s a dental problem, one needs to have deep pockets and Spartan courage to consult a doctor. In such scenario, a dental insurance can come to your rescue. But due to the unaffordability of the insurance premiums most people in America are either uninsured or under-insured. Discounted fee for services programs, as an alternative to insurance, were started at this point to cover the entire gamut of services ranging from immediate availability of dental services to absolute absence of paper work, waiting period and age limit amongst a host of other services. The beneficiaries can directly feel the change compared to insurance policy.

With such innovative dental health programs in market who wouldn’t want to buy peace of mind at nominal prices. With the ever evolving and ground breaking health plans like these in market it is definitely a propitious sign for healthcare industry and to the US citizens in particular. Namely with the big discount dental plans which have come into existence are certainly adding sense and value to the dental care industry. These plans provide a very low cost dental package to the individuals and family. This is possible due to the large service provider network of doctors that works in tandem with the plan providers placed in every nuke and corner. The tie ups between these service providers and the dental plan companies work tenaciously thereby creating a win-win situation for the parties involved.

And who knows everyone could even witness more hummers plying on the roads with the money that once used to go into the hands of a doctor before using such dental health plans. One gets astonished by the volume of business that these companies do within a very short of time from setting up their business. The major factor that works for these dental plans is that the presence of number of small dental package plans in reasonable and affordable denominations. So these dental plans typically range from as small as $19.95 to not more than $200 (including individual and family dental care plans). These dental plans are designed to target the huge middle income groups that form the major chunk of the business. More and more citizens are driven towards these dental care plans with a view to have that ever lasting and million dollar smile. For more information about these plans please visit http://health-dental-discount-plans.com.

Fear of the Dentist – Is “Dental Phobia” a Misnomer?

What is dental phobia?

A “phobia” is traditionally defined as “an irrational severe fear that leads to avoidance of the feared situation, object or activity” (however, the Greek word “phobia” simply means fear). Exposure to the feared stimulus provokes an immediate anxiety response, which may take the form of a panic attack. The phobia causes a lot of distress, and impacts on other aspects of the individual’s life, not just their oral health. Dental phobics will spend an awful lot of time thinking about their teeth or dentists or dental situations, or else spend a lot of time trying not to think of teeth or dentists or dental situations.

The Diagnostic and Statistical Manual of Mental Disorders (DSM-IV) describes dental phobia as a “marked and persistent fear that is excessive or unreasonable”. It also assumes that the person recognizes that the fear is excessive or unreasonable. However, in recent times, there has been a realization that the term “dental phobia” may be a misnomer.

The difference between anxiety, fear and phobia

The terms anxiety, fear and phobia are often used interchangeably; however, there are marked differences.

Dental anxiety is a reaction to an unknown danger. Anxiety is extremely common, and most people experience some degree of dental anxiety especially if they are about to have something done which they have never experienced before. Basically, it’s a fear of the unknown.

Dental fear is a reaction to a known danger (“I know what the dentist is going to do, been there, done that – I’m scared!”), which involves a fight-flight-or-freeze response when confronted with the threatening stimulus.

Dental phobia is basically the same as fear, only much stronger (“I know what happens when I go to the dentist – there is no way I’m going back if I can help it. I’m so terrified I feel sick”). Also, the fight–flight-or-freeze response occurs when just thinking about or being reminded of the threatening situation. Someone with a dental phobia will avoid dental care at all costs until either a physical problem or the psychological burden of the phobia becomes overwhelming.

What are the most common causes of dental phobia?

  • Bad experiences: Dental phobia is most often caused by bad, or in some cases highly traumatising, dental experiences (studies suggest that this is true for about 80 -85% of dental phobias, but there are difficulties with obtaining representative samples). This not only includes painful dental visits, but also psychological factors such as being humiliated by a dentist.
  • Dentist’s behaviour: It is often thought, even among dental professionals, that it is the fear of pain that keeps people from seeing a dentist. But even where pain is the person’s major concern, it is not pain itself that is necessarily the problem. Otherwise, dental phobics would not avoid the dentist even when in pain from toothache. Rather, it is pain inflicted by a dentist who is perceived as cold and controlling that has a huge psychological impact. Pain inflicted by a dentist who is perceived as caring and who treats their patient as an equal is much less likely to result in psychological trauma. Many people with dental phobia report that they feel they would have no control over “what is done to them” once they are in the dental chair.
  • Fear of humiliation and embarrassment: Other causes of dental phobia include insensitive, humiliating remarks by a dentist or hygienist. In fact, insensitive remarks and the intense feelings of humiliation they provoke are one of the main factors which can cause or contribute to a dental phobia. Human beings are social animals, and negative social evaluation will upset most people, apart from the most thick-skinned individuals. If you’re the sensitive type, negative evaluation can be shattering.
  • A history of abuse: Dental phobia is also common in people who have been sexually abused, particularly in childhood. A history of bullying or having been physically or emotionally abused by a person in authority may also contribute to developing dental phobia, especially in combination with bad experiences with dentists.
  • Vicarious learning: Another cause (which judging by our forum appears to be less common) is observational learning. If a parent or other caregiver is scared of dentists, children may pick up on this and learn to be scared as well, even in the absence of bad experiences. Also, hearing other people’s horror stories about painful visits to the dentist can have a similar effect – as can children’s movies such as “Horton Hears a Who!” which portray dental visits in a negative light.
  • Preparedness: Some subtypes of dental phobia may indeed be defined as “irrational” in the traditional sense. People may be inherently “prepared” to learn certain phobias, such as needle phobia. For millions of years people who quickly learned to avoid snakes, heights, and lightning probably had a good chance to survive and to transmit their genes. So it may not take a particularly painful encounter with a needle to develop a phobia.
  • Post-Traumatic Stress: Research suggests that people who have had horrific dental experiences (unsurprisingly) suffer from symptoms typically reported by people with post-traumatic stress disorder (PTSD). This is characterized by intrusive thoughts of the bad experience and nightmares about dentists or dental situations.

This last reason is extremely important. Most individuals with dental phobia have had previous aversive or even highly traumatising dental experiences. They do not view their symptoms as “excessive” or “unreasonable”, and in that sense resemble individuals with post-traumatic stress disorder. True, innate dental phobias, such as an “irrational” fear at the sight of blood or a syringe, probably account for a smaller percentage of cases.

The impact of dental phobia on daily life

Dental phobia can have wide-ranging consequences on a person’s life. Not only does their dental health suffer, but dental phobia may lead to anxiety and depression. Depending on how obvious the damage is, the individual may avoid meeting people, even close friends, due to embarrassment over their teeth, or not be able to take on jobs which involve contact with the public. Loss of self-esteem over not being able to do something as “simple” as going to a dentist and intense feelings of guilt over not having looked after one’s teeth properly are also very common. Dental phobia sufferers may also avoid doctors for fear that they might want to have a look at their tongue or throat and suggest that a visit to a dentist might not go amiss.

What should you do if you suffer with dental phobia?

The first and most important thing to realize is that you are not alone! The most conservative estimates reckon that 5% of people in Western countries avoid dentists altogether due to fear. And many more are anxious about certain aspects of dentistry. Today, it has become much easier to find support via web-based support groups, such as Dental Fear Central’s Dental Phobia Support Forum. You are not alone, and you may find that sharing your experiences with people who really understand what you are going through helps. Most dental phobics who have overcome their fears or who are now able to have dental treatment will say that finding the right dentist – someone who is kind, caring, and gentle – has made all the difference.

It takes a lot of courage to take that first step and look up information about your biggest fear – but it will be worth it if the end result could be a life free from dental phobia!

Dental Insurance: An Important Factor

Normally the policies, that are brought independent of large group are the best and the cheap policies and are individual policies. They are few simple health evaluations which have to be conducted to determine the best coverage for an insurer and his family.There is another way to decide for the best coverage and that is online search. Often these comprehensive dental policies works as financial help for the insurer and the family who is generally had a poor or a rocky history by the oral health coverage plan. There are many low-priced policies which could be utilized and they are also very affordable. In some cases the policy would not be required.

An individual can always hold a best cost effective and cheap dental insurance from the experts who generally often offer discount insurance. If an employer or a group health insurance policy is not offering the best dental insurance availed, then the discounted coverage has to be searched online. For many, cheapest policy options are offered by the discount programs. Many a times the desirable policies also would not always cost you the least.

Consumers sometimes get benefited with best quality dental service through the discount programs with an inexpensive premium discount programs has the limits of working with membership construction. A monthly membership fees is accessible for the consumer for buying and with the help of the membership card and its usage the consumer can qualify for discount with the most helpful dentist. Our overall health care would be incomplete without our oral care taking care of once teeth is an important factor of once health. Dental care is an important care.

To get the best cheap dental insurance one should research online where there are many of advertisement available for use. The best dental insurance could be concluded by the employment and the local dentist who is effectively participating in programs and also importantly the need of the consumer. A patients will always want there participating dentist on a driving distance no matter even if they use the avail PPO and the HMO. If a dental insurance is not lower in its both travel and precious time then it would not be the best cheap dental insurance for a customer.

The policy plan which avails the customer convenience and deciding for a dental plan is an important decision one should make. Thousand of dollars could easily be saved by taking up a good dental policy for the members who have the history of oral health problems..They is few initial formalities and investigation for the best cheap policy for the consumer. A person’s best dental insurance policy would be the one fits both the family needs and the budget.

Dental Insurance Companies – What Are Your Options?

You have probably heard a lot about the necessity of dental insurance and have likely seen more than one television advertisement offering low cost dental options, but how much do you know about the dental insurance companies? There are several dental insurance companies that are actively seeking new clients; some are operating on a national level while others simply offer regional assistance. Below is a peek at a few of the prominent dental insurance companies and what they have to offer.

Aetna

Probably one of the best-recognized names in the health insurance field is Aetna. They are a national company who offers many comprehensive health, dental, behavioral health plans and many more. Along with their large suite of insurance policies, Aetna also provides managed care and provider networks that can save individuals from 15-50% on routine procedures. Their pricing and savings of course will depend on which option you choose and where you live.

CIGNA

Cigna is a national company as well with more than 60,000 dentists in their managed care a provider networks, however they are not available in every state. Cigna is a dental insurance company that can provide you will all the choices in dental coverage. They have traditional insurance as well as several different savings plans. Their site has a handy tool that you can use to see if services or plans are offered in your area.

Metropolitan Life

Met Life is a well-recognized company in the insurance field and they have a great reputation for paying claims. However, unless your employer offers their plans you will not be able to carry Met Life insurance.

Delta Dental

This is America’s largest provider of dental benefits; they have the most experience in the field as well. This company offers both group dental plans for employers as well as individual plans for the uninsured or under insured. There are over 39 independent Delta Dental member companies operating in all 50 states of the union. They have many different dental plans including PPO, HMO and traditional insurance, they are sure to have something for just about everyone. It is important to note that their individual insurance is not available in all states just yet, check with the web site for availability.

Bottom Line

When you are looking for an insurance company, it is wise to keep your options open. By considering many different companies and plan ideas, you will have a much better chance of finding a dental insurance company that will fill all of your dental needs. For some individuals a preferred provider network is all they need, for others it may be a traditional dental insurance plan it is all up, to what you need and can afford.

Affordable Self Employed Dental Insurance Coverage

Self employed individuals need dental coverage just as much as any other type of insurance, but unfortunately it can often go overlooked. As with any other type of insurance coverage, cost is an important consideration. You want to be sure you are getting a cost effective form of dental coverage that will provide the proper benefits at the right time.

Dental Insurance is typically overlooked because it takes a backseat to medical insurance coverage, which even self-employed individuals need. Still, within the whole picture of health dental care is an important element that should not be overlooked for any length of time. Good dental insurance should include preventative dental work, including dentist check-ups and general dental x-rays.

Of course, outside of dental coverage, even the self-employed should be thinking about how to avoid major dental work by brushing and flossing every day. Avoiding sweet and acidic foods like candy and soda are important measures to take as well. Caring for your teeth is easily the most important thing a self employed individual can do to avoid even having to visit the dentist’s office in the first place. The same principle applies to health care as well. How much is self employed health coverage going to cost? Well, that really depends on how much you neglect the basics like eating healthy foods, exercising often, and maintaining a healthy work-life balance.

Many dental plans for the small business owner or solo professional are available at an annual cost meaning you pay only one fee in a year and maintain regular access to your chosen dental provider. Be careful when selecting such a plan, though, as you will want to be sure your chosen dentist is an acceptable provider approved by your dental insurance provider.

Also, when choosing a low cost dental coverage plan always read the fine print. Check for the basics. Ask yourself important questions. How much is a root canal going to cost? Does the plan cover orthodontics? How much of the coverage applies to cosmetic dentistry? What kinds of dental work do you anticipate needing in the coming year? The coming five years?

Because dental issues can pop up at unexpected times, you will also want to think about your cost-benefit analysis in terms of what you have to lose by having or not having a dental insurance provider. For example, if you have a good amount of funds in savings and would not be hurt too badly by an unexpected cavity that requires out of pocket expenses, it may be in your best interest to forego dental coverage. On the other hand, if you have a large family with several young children, dental coverage could help you save a lot of money down the road. Like any other insurance situation, your unique situation is an important factor in making a final decision about what to do and when to do it.

At the end of the day, it is just important to remember that even self employed business owners and solo professionals need to think seriously about finding good dental care and quality insurance.