Mouth guard

Using a mouth guard is an important way to protect your children’s teeth when they are playing sports.  Mouth guard should not be limited to children as both children and adults need to wear a mouth guard if they are playing contact sports like football, boxing, ice hockey, lacrosse, soccer, and other physically contact sports – as these sport can cause a potential risk of injury to your mouth. Wear a mouth guard will helps protect your teeth.  Many people have suffered from getting their teeth knocked out playing sports and its not cheap to visit the dentist to fix those problem.  And did I mention the pain involved.  Mouth guards are also affective for those that grind their teeth at nights.  You can have your dentist help you get fitted with your mouth guard or do it yourself.  Its very easy actually.  All  you need to do is heat it up in hot water, and then place it in your mouth after it has cool down somewhat and bite down on it and hold it in your mouth for at least 1 minute to mold the mouth guard to the dimensions of your mouth and that is it.

Voluntary Group Dental Plan

Its been repeatedly asked, what is a voluntary group dental plan so I thought I take out the time today to respond.  A Voluntary Group Dental Plan is one where the workers at a place of employment get together and ask the employer to set up a voluntary group dental insurance plan for the employees who want to volunteer and pay for.  The employees play and not the employer.  You don’t have to participate if you don’t want to.  The key is the employer is able to get a better rate or price for the coverage because its a group plan compared to a dental plan that you get as an individual.  It means you plan less.  Its the concept of strength in numbers at its best.

Types of policy

Here are the types of dental policies offered in Florida:

Florida Dental Discount Plan

The way Florida Dental Discount Plan works is that you get a discount for the prices of the services that you may need to get your teeth fixed.  These prices are negotiated with all the dentists that belong in your network of providers.  You go to the dentist and get your work done.  They charge you the rates the agreed to.  Typically, you get about 20 to 30% discount for the services rendered.

Dental HMO

A Dental HMO (Health Maintenance Organization) plan requires that you pay a co-payment when you finish the dentists in these plan.  The dentist are paid a month rate based on the number of patients in their area and are likely to visit them.

PPO Dental Plan

A PPO (Preferred Provider Organization) Dental Plan is one in which a particular group of patients are designed to received service from a group of dentists.  The participating dentists agree to charge less to those patients in the plan.  The key is you must see those dentist in the plan otherwise you have to pay more.

Florida office of Insurance Regulation

The Florida office of Insurance Regulation is the office assigned to the task of regulating insurance companies in all sectors in the State of Florida.  The office services Floridians through its responsibilities for regulation, compliance and enforcement of statutes related to the business of insurance.

The Office has several branches.  The Accident & Health Insurance branch is the branch assigned to regulating Dental Insurance Plans.  Accident & Health insurance can varies significantly by coverage. Basic Medical Coverage usually includes coverage for hospital stays (a portion of room and board), and surgical and medical costs associated with treatment. Basic coverage usually pays a fixed amount to providers based on a “usual, reasonable and customary” standard. In addition to the basic benefits, Major Medical Coverage may pay for a portion of blood transfusions, prescription drugs, and out-of-hospital costs, including doctor’s visits.  With Dental Insurance policy the coverage is not as extensive as regular health insurance policies.

Accident & Health insurance can also vary by delivery method. Traditional Health (or indemnity coverage) typically allows the insured to select any doctor or hospital and reimburses a portion of these costs. Managed Care plans usually involve a network of doctors and hospitals, and provide financial incentives to utilize the network; each plan has different reimbursement and costs schedules for “out of network” providers. Some managed care arrangements include: Health Maintenance Organizations (HMOs), Exclusive Provider Organizations (EPOs), Preferred Provider Organizations ( aka PPOs), and Point-of-Service Plans.

In the later portions of this website we will work you through all the types of dental insurance policies and how they affect you.