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Ameritas Dental Insurance

Ameritas Group provides over 4.8 million people with quality individual, and group dental, vision and hearing care plans.

Ameritas Dental Insurance “My Dental Plan” is a three tier dental insurance program that features annual maximums of $500, $1000, and $1500.  It is a full dental coverage plan that includes preventive, basic, and major services.

Members have the option to boost their annual maximum benefit by submitting at least one dental claim each year and keeping your total benefits received for the year at or below the Threshold Amount.

Members “earn” an Annual Reward that will carry over to increase your annual maximum benefit available the next year. Accumulate rewards up to the total Maximum Reward amount.

If no dental claims are submitted during a year, no rewards are earned and accumulated rewards are lost. But you can begin building rewards again the very next year.

Ameritus Dental Insurance is available in most states. Check with you local agent or visit the Ameritus Dental insurance website to see if the plans are available in your area.

Compare Dental Insurance Plans

The most important tool at your disposal when looking for dental insurance is comparison. When you compare dental insurance plans side-by-side you can easily identify the key differences between dental insurance plans.

So what do you look for when you compare dental insurance? The first thing to decide is if you want an indemnity dental insurance plan or a PPO dental insurance plan. An indemnity plan allows you to visit any dentist that you wish. A PPO plan allows you to select any dentist you wish from a preferred network of providers.

Once you have decided on which type of plan is right for you it is time to compare dental insurance benefits. Dental insurance is usually broken up into three different parts; preventive, basic, and major. Do you need all three or do you think that an inexpensive preventive and basic plan is best for you?

Once you have decided which type of coverage is best for you it is time to choose an annual maximum. If your teeth need a lot of major work done perhaps a plan with a high annual maximum is best for you. Compare dental insurance plans that have a high annual maximum and pick the one that provides the best dental coverage for the price.

What your dentist wants you to do.

We talked with dentists and found out what they want you to do to keep a healthy smile and mouth.

Flossing is very important. About as important as brushing twice a day.

Alert your Dentist to bleeding gums. Bleeding gums during regular brushing and flossing is not normal.

Replace your toothbrush regularly to keep it working at it’s best.

Get regular cleanings and check ups to detect any major issues

Common teenage dental issues

Dentists always advice teens to maintain good oral health. Teenagers commonly experience some dental diseases and problems that will need to be solved, prevented as well as treated. There are many reasons why teens experience dental problems. First, they tend to not have the proper dental routine.  Second, they fail to eat healthy food daily.

As a result, It is advisable, that you get them to brush as early as possible to teach them proper dental care in order so that these habits are part of their everyday life.  As your child grows, it is inevitable that they will eat candies and other sweet foods. If they don’t have good oral hygiene then they will probably have dental problems when they reach their teenage years.

Teeth irregularity with their jaw and bite is the first common dental problem that a teenager will face. As teens grows there are some tendencies that their teeth do not grow in straight. This can be a by product of poor eating habits when their were a child.

An Orthodontic is a dentist who deals with irregular teeth, jaw and bite. These kind of dentists also treat jaw disorders and facial abnormalities. If your child has crowded, crooked teeth, extra teeth, missing teeth, an under bite, overbite, jaw joint disorder, or a misaligned jaw, they will need to see a Orthodontic.

Braces are also common need for teenagers.  Usually around the ages of ten to 14.

Gum disease is another common dental problem. This is one of the leading cause of tooth loss (periodontal disease). Periodontal disease is a kind of infections of tissues and bones that supports the teeth. When gum disease is untreated it can lead to your teeth falling out.

Gum disease can be inherited, the results of foods that you eat and poor dental hygiene. If one experiences bleeding of the gums while brushing or flossing, discoloration of gums (healthy gums should look pink and firm, not red, swollen, or tender) , any sign of gums pulling away from teeth, bad breath that won’t go away and loose teeth, then you might have gum disease.

Molars or wisdom teeth are also common to teenagers from 15- 25 years old. These teeth cause problem, because most of the mouths are too small to adjust new teeth and hence they need to be removed. Adolescent experiences pain, facial swelling, mouth infection and gum-line swelling, then they should be extracted immediately. Surgery is performed to remove the tooth or teeth. The gum tissue covering the wisdom tooth is removed and the connective tissue connecting the tooth to the bone is detached.

Preventing teeth sensitivity

Many individuals are suffering from teeth sensitivity. In some cases this is because of whitening solutions that they apply on their teeth. For other of a particular age, it is caused by receding of the gum lines. This exposes the dentin that is covered by cementum when exposed causes teeth sensitivity.  There are also nerve cells contained within the pulp of a tooth. If the enamel is weak or missing, it can cause immense levels of sensitivity.

There are many ways to prevent teeth sensitivity. The first thing that you need to do is consider the types of products that you are using for your oral hygiene. Like the brushes that you use, the type of products that you use for your teeth can affect your teeth negatively. So make sure that you use a soft bristle brush. Hard bristles may actually crack and wear away the enamel. Make sure that you gently brush your teeth. Applying low pressure can prevent teeth sensitivity.

Next thing that you need to consider is the food that you eat. Choosing the right foods can help not only for your health but also help to prevent teeth sensitivity. Several foods contain acids that damage the enamel and cause of sensitivity.

Dental treatments and other procedures are very effective and helpful to maintain good oral hygiene. But, they can cause teeth sensitivity. You should always use toothpastes and mouthwashes that are considered nonabrasive. You can consult with your dentist when it comes to these matters. They can provide you with the best brands that can help you with your sensitive teeth.

The last thing is to change your life style. Smoking and drinking can damage you teeth and affect the color that it has. So you should strongly consider making changes to your life for your overall health.

How to floss

Daily flossing is very important.  Its one of the most important things that one can do to ensure good dental hygiene.  It is important because it remove plaque between your teeth and gums.  Personally, for me, flossing with my hands is not very easy.  The most common method is to cut a 12 inch length of floss.  Then pull the floss tight using your two hands and then guide the floss between your teeth and gently zig zag them back and forth.  Side the floss up and down against your tooth to remove any plaque or food caught between your teeth.

If you notice it is very hard to get the floss between your teeth, that is a sign that you have not been flossing regularly.  Gradually, it will get easier as you floss.  The more you floss the easier it will get.  Now for me, I buy a floss handle and use it similar to a tooth brush.  I place it inside my month and guide the floss between my teeth.  Its really helpful.  If you can’t do it manually ask your dentist or go to the local CVS and see the available flossing tools available.  Any of those flossing products will help you get the job done.  Just keep at it as it will help keep your dental hygiene up to par and more importantly save you money on your dental insurance.

Dental Nutrition

Having good dental nutrition is important to every one of all ages in Florida.  A complete oral health routine includes good nutritional habits.  Good exercise habits and eating good healthy foods that is good for the entire body will be good for your teeth and gums.  Living in Florida, we are blessed with good weather so it makes it easy for us to get out, exercise and enjoy the sun.

Eating and drinking dairy products like milk, will provide a good source of calcium and vitamin D to build strong teeth and bones.  Breads and cereals supply the body Vitamin B which supplies your body with iron for good blood flow which is important for growth.  Being in the orange state, the citizens of Florida have access to fresh fruits and vegatables.  Fruits and vegetables provide Vitamin C which helps keeps your gums healthy.  Lean meat, fish, and chicken are a good source of iron and protein, magnesium and zinc.  So when it all comes down to it, maintaining a healthy lifestyle will ensure a healthy body and teeth.  It will help you reduce your need for an expense dental insurance plan and costly dental visits.

Capitation Dental Insurance Plan

A Capitation Dental Insurance Plan provides comprehensive dental care to enrolled patients to the dental plan through designated dentists within the plan.  A perfect example of such a plan is a Dental Health Mainteance Organization (aka DHMO).  The dentists within these dental insurance plans are paid on a per capita (per head) basis rather than for actual treatment provided.  Participating dentists received a fixed monthly fee based on the number of patients assigned to their office.  Its almost like a retainer fee for their availability to those within their area of service.  In addition to the premiums, the patients pay a copayment to the dentist based on the fee schedule negotiated by the DHMO.

Oral cancer

Oral cancer is a fatal cancer that afflicted the senior citizen population of Florida.  Only half of all patients diagnosed with oral cancer survive more than five years after being diagnosed.  Therefore it is very important that you get checked regularly by your dentists.  You can also be proactive on your end.  Check for white or red spot or sore in your mouth.  You will also need to be carefully examined by a dentist in all areas of your mouth.  If you suspect or find anything be sure to let your dentist know.  Oral cancer often start off an a tiny unnotice thing and gradually get worse.  That is why it is important that our Florida sensor citizens get proper dental insurance to ensure that they have a dentist to regular examine and treat them.  Don’t take this lightly.