Supplemental Medical and Dental Insurance Coverage

Health insurance in general is expensive even if you get it through your employer; if you happen to be on COBRA because you are between employers it’s even more expensive.

If you have children and they are a part of your insurance plan through your employer the limit for insurance plans is 18 years old. In some instances if they are attending college full time you will be able to cover them to the age of 25 years old.

If you work for a small company the chances of having medical or dental insurance are slim to none and if you are self employed your premiums are going to be very high.

Since a lot of employers have had to make cut backs due to the economy and growing pains the first benefits that suffer are usually your health and dental.

Since these issues are so prominent supplemental insurance coverage has become the solution for most people shopping for medical and dental coverage.

There basically two types of supplemental insurance coverage that is available to the consumer.
 
Student Coverage
Student Coverage is usually offered through colleges and universities at a small annually fee. The annual fee is usually between $120 and $180 and they cover most medical and dental routine care. With some plans you may be part of a medical network and be assigned to a medical clinic. There will be small co-pays associated with these plans for the most part the offer a great alternative.
 
Discount Medical and Dental Coverage
Discount medical and dental plans are a great alternative because they offer medical and dental services at discount prices. What usually happens is that a company will negotiate medical procedures, routine visits, routine exams and ancillary services with providers. The negotiation will give the consumer purchase power and will lower your medical expenses. An example of this would be were you pay a monthly premium of $14.95 for supplemental dental coverage and your fillings would cost you $7.00. These plans are an excellent alternative for students, seniors, self employed and small businesses.

 
Supplemental health and medical coverage is a great affordable way of having medical services available at a discount price. Most of these plans start at approximately $8.00 a month for basic dental and can top off at around $60.00 monthly. Most of the supplemental medical and dental coverage can cover everyone in your household regarding of the type of relationship. The coverage has grown in strength and popularity due to the fact that there is a growing population of the self employed and the high cost of traditional insurance cost.
Do yourself a favor and check out the different options you have when it comes to medical and dental coverage, you might surprise yourself.

Save Money by Combining Medical and Dental Insurance Plans

Medical insurance is often one of the biggest monthly expenses a family has. Health care costs have been steadily rising in the past few years, and the costs of comprehensive health insurance plans have been rising with them. Many health insurance providers have been attempting to ease the burden to consumers by offering new ways to save money on insurance, such as combining medical and dental insurance plans.

Combining medical and dental insurance into one plan, such as the plan offered by Blue Cross Blue Shield and Delta Dental of Minnesota, has the potential to save consumers up to 11% on dental insurance. A number of similar plans are available nationwide and can be found using free online health quote services.

Available either through your employer or privately, combined medical and dental insurance will generally result in more coverage for less. Dental plans typically cover basic prevention care and work, such as fillings or annual cleanings. Combining health insurance with dental coverage, bridges the gap in health care, so should you ever need some kind of surgery for dental work, it will most likely be covered. Dental insurance options can be discussed with your insurance provider to ensure that you have the personally tailored coverage you need.

Health insurance plans are typically customized to suit the needs of the family or the individual. If the insurance is being purchased through the employer, then there may also be different care options available. Many health insurance plans allow you to add additional coverage, such as maternity coverage for pregnant women or extra coverage if there are any recurring health problems.

If combining medical and dental insurance is something you might be interested in, compare rates using a free online health insurance quote service, and then consult with your current insurer. Combined plans can save you money, time and confusion while providing more comprehensive coverage for you and your family.

Three Steps to Good Oral Health

When it comes to oral hygiene, many people believe that brushing their teeth once a day, usually in the morning, is sufficient. This is far from the truth and research has shown that maintaining good oral hygiene can dramatically improve your way of life. Poor oral hygiene leads to bad breath, broken teeth, infections, missing teeth and more, which directly affects the way we lead our lives and function, not to mention what and how we eat. What makes matters worse is that new research indicates that poor oral hygiene is directly related to heart disease, diabetes, strokes and even low-weight babies at childbirth and pre-term labor, due to the bacteria in the mouth leaking into the bloodstream. Below are 3 simple steps that you can follow to ensure good oral health for you and your family.

Step 1 – Visit your Dentist Regularly – He/She Misses You

Only a trained professional can help you spot the wrong you are doing to your teeth and gums. Regular check-ups with your dentist will help you treat the current problems you have in your mouth, as well as prevent problems that may arise in the future. Your trained professional will look for signs of oral disease, dental cavities and more. It is also said that some cancerous lesions start in the mouth, so making the time for regular trips to your dentist may just save your life.

Step 2 – Follow a Strict Oral Hygiene Regime on a Daily Basis

If you are not using fluoride based toothpaste, you need to get some right away. Fluoride toothpaste is the only dental hygiene product that properly removes bacteria and plaque that causes gum disease (periodontal disease), dental cavities, and proximal caries. You need to make sure that you brush with a fluoride toothpaste at least twice a day – more if possible.

Flossing is also a major part of good oral health. Many people forget to floss, or just don’t bother doing it. Flossing at least once a day will dramatically increase your oral health. Without flossing you are only cleaning about 2 thirds of the surface of your teeth, leaving the bacteria and plaque to wreak havoc on the rest of your teeth and gums. Make flossing a ritual before you brush your teeth in the morning.

Step 3 – Eat Well for Good Strong Teeth and Gums

Eating healthily is not only good for your general well-being; it is also good for your oral health. Many nutrients that your body receives from healthy food are used to ward of cavities in your mouth and keep your gums healthy. Doctors also recommend that you stay away from too much candy and sticky sweets, and cut down on the amount of sugar in your diet if you want to maintain a healthy mouth. Another thing to remember is the 5-a-day rule for fruits and veggies, as these stimulate the salivary flow which aids in the re-mineralization of decaying teeth.

If you are looking to maintain your oral health, doctors also recommend that you do not touch tobacco products and cut down on your alcohol consumption. The use of these products individually may lead to some mouth cancers, and if used in combination will have an even greater effect on, not only your oral hygiene, but your general well-being as well.