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Share of Cost – Understanding Income-Based Medi-Cal in California

Friday, Nov. 8th 2024 10:00 AM

Medi-Cal is California’s essential government-funded healthcare program to assist individuals and families with limited financial resources. The program provides vital medical services, including doctor visits, hospital stays, preventive care, and more, ensuring that low-income residents receive the necessary healthcare.

**Eligibility Criteria for Income-Based Medi-Cal**

In order to qualify for Medi-Cal, certain conditions must be fulfilled.

1) Residency in California: In order to access Medi-Cal services, it is essential to be a resident of California. This means that you must have established a permanent home in the state and meet specific residency requirements set by the program.

Residency is typically defined by factors such as where you live, where you consider your main home and your intentions regarding your stay in California. For individuals applying for Medi-Cal, it’s important to provide documentation verifying California residency, including utility bills, rental or lease agreements, or government-issued identification that reflects a California address.

Being a resident qualifies you for Medi-Cal and ensures access to a wide range of health services designed to support low-income individuals and families. It is a crucial step in receiving this state program’s healthcare and support services.

2) Medicare Status – Don’t qualify for Medicare: Medicare is a federal health insurance program primarily for individuals aged 65 and older, but it also covers some younger people with disabilities or specific health conditions. However, not everyone qualifies for Medicare, particularly those who may not have worked long enough or paid into the system through payroll taxes.

For individuals who do not meet Medicare eligibility requirements, Medi-Cal is an important alternative. Medi-Cal, California’s Medicaid program, provides health coverage to low-income individuals and families, including adults, children, pregnant women, elderly individuals, and people with disabilities. It offers a broader range of benefits compared to Medicare, particularly in terms of long-term care services and support.

3) Income and Age Requirements: When considering income and age requirements, various programs or opportunities often establish specific criteria to ensure eligibility.

Income requirements typically refer to the minimum or maximum income levels applicants must meet to qualify for certain benefits or programs, such as housing assistance, financial aid, or healthcare services. These requirements are crucial for determining who can receive aid, ensuring that support is aimed at those who need it most. For instance, many programs align their income thresholds with the federal poverty level (FPL) to gauge eligibility.

Factors influencing income eligibility might include:

  • Gross vs. Net Income: Some programs consider gross income (total earnings before taxes), while others evaluate net income (after taxes and deductions).
  • Family Size: Income thresholds often vary based on the number of individuals in a household, recognizing that larger families typically require more support.
  • Supplemental Income: Income from various sources, such as unemployment benefits, disability payments, or child support, may also be considered.

4) Age Requirements: Age requirements often target specific demographics for particular programs or services. For example, some educational grants may be tailored for students aged 18-24, whereas certain retirement benefits may only be available to individuals aged 65 and above.

  • Adults (Aged 19-64): If you are within this age range, your family’s income must be at or below 138% of the Federal Poverty Level (FPL). For 2023, this is approximately $20,783 for an individual and $43,056 for a family of four.
  • Children (Aged 18 or Younger): Families with children may qualify if their income is at or below 266% of the FPL, which translates to about $82,992 per year for a family of four.

Key considerations regarding age requirements include:

  • Youth Programs: Many initiatives designed to assist younger populations will have age limits, emphasizing support for children, teenagers, or young adults.
  • Senior Services: Programs aimed at older adults may stipulate a minimum age to access resources, targeting those in or nearing retirement.
  • Workforce Regulations: Employment opportunities often include age-related criteria, particularly for roles that involve hazardous conditions, where regulations may restrict younger individuals.
  • Pregnant Women: Pregnant individuals may qualify if their family’s income exceeds 138% but does not exceed 213% of the FPL. This means a single pregnant woman with her first child can earn up to approximately $43,537, while a family of four can have an income of up to $66,456. Medi-Cal for Pregnant Women covers comprehensive pregnancy-related services, including prenatal care, labor and delivery, postpartum care, and family planning services. It also includes coverage for other medically necessary conditions related to pregnancy.

**Income Considerations for Medi-Cal Eligibility**

Most types of earned and unearned income are considered when determining eligibility for income-based Medi-Cal. However, certain types of income may be excluded from the calculations. Notably, Supplemental Security Income (SSI) benefits and specific contributions to retirement accounts are not counted when assessing your eligibility.

It’s important to note that for certain groups outlined above, there are no restrictions on wealth—this means there is no limit on the amount of money or resources you possess. Furthermore, eligibility is not affected by disabilities, allowing more individuals to access essential healthcare services.

**Why is Medi-Cal Important?**

Access to quality healthcare is crucial for maintaining well-being, especially for vulnerable populations. Medi-Cal not only aids those in immediate medical need but also supports preventive care, reducing long-term health risks and managing chronic conditions effectively. The program is vital in promoting health equity and ensuring that every Californian has access to necessary medical services.

For more information on Medi-Cal, including what specific types of income affect eligibility and how to apply, consider visiting the California Department of Health Care Services website or contacting a local health services office.

Posted on Friday, Nov. 8th 2024 10:00 AM | by Share of Cost | in Dental Insurance, Medi-Cal, Medicaid, Medicare, Share of Cost, Social Security | No Comments »

Understanding Share of Cost (SOC)

Tuesday, Nov. 5th 2024 11:23 AM

Share of Cost (SOC) refers to a specific monthly dollar amount a patient must pay out-of-pocket before accessing additional benefits through Medi-Cal and SBHI/SLOHI. This system is essential for ensuring that individuals who qualify for these programs can receive the healthcare services they need without overwhelming financial burdens.

The SOC amount is determined based on various criteria the patient provides to their Eligibility Worker at the Department of Social Services. These criteria can include the individual’s income, living situation, and medical expenses. Importantly, ShareofCost.com is not involved in this determination; the responsibility lies with the Department of Social Services.

**Key Points about SOC**

  • Eligibility Requirement: SOC is specifically applicable to Medi-Cal and SBHI/SLOHI.
  • Monthly Obligation: The SOC is calculated on a monthly basis.
  • No Medical Expenses = No SOC: If an individual does not have any medical expenses in a given month, they are not required to pay any SOC for that period.

**Example Scenario**

Let’s say Maria is a senior citizen who qualifies for Medi-Cal. After her application, her Eligibility Worker determines that her Share of Cost is $150 for the month. This means that to receive full Medi-Cal benefits, Maria must pay $150 in allowable medical expenses for the month.

In March, Maria visited her physician and had several tests done, totaling $200 in medical expenses. Since these expenses exceed her SOC of $150, she will be responsible for paying $150, and Medi-Cal will cover the remaining costs.

However, in April, Maria has no medical expenses. Consequently, she will not have to pay any SOC that month. This fluctuation can be challenging, but understanding how SOC works helps patients like Maria navigate their healthcare expenses more effectively.

By knowing about SOC, patients can plan their healthcare needs and manage their costs, ensuring they remain compliant with the requirements while maximizing their access to necessary services.

**How Dental and Vision Insurance Can Help to Eliminate Your Share of Cost**

When you need in-home care support or any recurring medical services that may influence your financial responsibilities, it’s essential to explore various options that can help mitigate costs. One effective strategy is to consider purchasing a dental or vision insurance plan.

These types of insurance enhance your overall healthcare and act as an acceptable expense when determining your share of the cost of medical services. By investing in dental and vision coverage, you can effectively lower your reported income, which may ultimately eliminate or reduce your share of cost.

This solution is particularly beneficial for individuals who may be facing high out-of-pocket expenses for in-home care or other medical necessities. By carefully planning and incorporating these insurance options into your budget, you can potentially alleviate the financial burden associated with healthcare services.

Don’t hesitate to contact a healthcare navigator to explore how dental and vision insurance can be a practical component of your healthcare strategy. Prioritizing these essential services will support your health and well-being and contribute to more manageable healthcare costs.

**Comprehensive Dental and Vision Insurance Tailored to Your Needs**

At ShareofCost.com, we understand that everyone has unique needs when it comes to dental and vision insurance. We offer various plan types and options to fit different lifestyles and budgets. Whether you’re looking for comprehensive dental coverage or reliable vision insurance, we are here to help you navigate your choices to find the perfect plan that meets your financial and health requirements.

Our dedicated team is ready to assist you! Don’t hesitate to reach out if you have any questions or need guidance on selecting the best plan for your situation. You can call our office at 310-534-3444 to receive a personalized quote or to discuss our available dental and vision insurance options. Your health is our priority, and we are committed to ensuring you have the coverage you need. Let us help you take the next step toward a healthier smile and clearer vision.

Posted on Tuesday, Nov. 5th 2024 11:23 AM | by Share of Cost | in Dental Insurance, Medi-Cal, Medicaid, Medicare | No Comments »

Understanding Share of Cost in Healthcare Coverage

Tuesday, Oct. 29th 2024 10:00 AM

Today’s blog topic is about understanding what a share of cost is. If you’ve ever wondered about this concept, you’ve come to the right place. A share of cost is essential for many individuals seeking healthcare coverage. It refers to the amount an individual must pay out of pocket for medical expenses before their Medicaid coverage begins. Understanding this concept is crucial for making informed decisions about healthcare. If you want to learn more about this topic, be sure to visit ShareofCost.com or give them a call at 310-534-3444. Understanding your share of cost can help you navigate the complexities of healthcare coverage and maximize your benefits.

When applying for Medi-Cal and exceeding the income limit for free coverage, you may still be eligible for a share of cost. This cost share is akin to a monthly deductible in a private insurance plan. Essentially, you only need to pay when you receive medical care, and you’re responsible for healthcare expenses up to the amount of your share of cost. Once you’ve met this cost, Medi-Cal will cover the remainder of your services for that month.

Notably, you won’t have any payment obligations if you don’t utilize healthcare services or benefits in a given month. The share of cost is determined based on your monthly income, and you can find the exact calculation in the notice of action sent to you. This notice typically includes gross income, net non-exempt income, maintenance need, and excess income/share of cost. As an example, your notice might display:

– Gross Income: $2,000

– Net Non-Exempt Income: $1,835.10

– Maintenance Need: $600

– Excess Income/Share of Cost: $1,235.10

By understanding how the share of cost is calculated, you can effectively manage your healthcare expenses and make informed decisions about your coverage.

Understanding Income, Deductions, and Maintenance Need for Healthcare Coverage

Income is crucial in determining your eligibility for healthcare coverage, such as Medi-Cal. It encompasses the money you receive each month from various sources. When assessing your income, we consider the different types of income you have and any available deductions to calculate your countable income. This calculation helps us determine whether you qualify for free Medi-Cal or if you will have a share of cost. Examples of income include earnings from a job, unemployment benefits, self-employment income, and retirement benefits.

In addition to income, various deductions can impact the calculation of your countable income. Some examples of deductions include childcare expenses, child support payments, and alimony. These deductions help to reduce your gross income, which is your total income before any deductions, to arrive at your net non-exempt income, also known as “countable income.”

Another important concept to consider is maintenance needs. The maintenance need represents the money you are allowed to keep monthly for basic living expenses if you have a share of the cost. It’s important to note that the maintenance need is set by law and does not necessarily reflect your living costs. They deduct the maintenance needed from your monthly countable income to determine your share of cost.

Posted on Tuesday, Oct. 29th 2024 10:00 AM | by Share of Cost | in Dental Insurance, Medi-Cal, Medicaid, Medicare, Share of Cost | No Comments »

Share of Cost – Taking Your Child To The Dentist

Tuesday, Oct. 22nd 2024 10:11 AM

Question: Why should I take my toddler to the dentist when his baby teeth will fall out anyway? I want to know because my parents never took me to a dentist with adult teeth until I was a teen. I have never had issues with my teeth, but I have people giving me a hard time about how I do not think taking a toddler to the dentist is necessary.  

Answer: Your concerns are valid, and it’s important to understand the reasons behind the necessity of dental visits for toddlers. Our primary teeth eventually die, but their health is still very important to our oral health over the long term. As parents, we play a crucial role in ensuring our child’s dental health. Once a baby’s tooth starts to decay, the bacteria in there progress pretty quickly, seeping through the tooth and going to the bone, potentially causing dental infections that can even be fatal. Sure, that is the worst consequence. But even if that does not happen, if bacteria lurk in the baby teeth, the enamel for the adult teeth may not be formed properly, and they can be permanently damaged. It’s in our hands to prevent this.

Some specific ways that parents can ensure their child’s dental health include:

1. Establishing a regular dental routine: Encouraging regular brushing and flossing from an early age is essential for establishing good dental habits in children. It’s important to make dental care a part of their daily routine to promote oral health and prevent dental issues. Parents can lead by example and create a positive environment around dental hygiene to help children understand the importance of caring for their teeth and gums. Regular dental check-ups should also be prioritized to ensure any issues are addressed early on.

2. Monitoring diet: Monitoring your diet is crucial for maintaining good oral health. Limiting sugary snacks and drinks can significantly reduce the risk of tooth decay and promote overall dental well-being. Consuming high sugar levels can produce acids in the mouth, eroding tooth enamel and contributing to cavities. Therefore, being mindful of your sugar intake and opting for healthier food and beverage choices can go a long way in preserving the health of your teeth and gums.

3. Regular dental check-ups: Regular dental check-ups are a formality essential for maintaining good oral health. By scheduling regular visits to the dentist, you can ensure that any potential issues are identified and addressed early on. This proactive approach can help prevent minor problems from developing into serious dental issues, ultimately saving you time, money, and discomfort in the long run. Additionally, regular check-ups can help maintain good oral hygiene and provide an opportunity for professional cleaning and guidance on proper dental care. They assure you you are doing everything possible to protect your child’s dental health.

Taking toddlers to the dentist is crucial to ensure their oral health. Neglecting dental visits for toddlers can lead to serious consequences. If a baby’s tooth begins to decay, the bacteria can progress rapidly, potentially causing dental infections that can even be fatal. Moreover, if bacteria persist in the baby teeth, the enamel for the adult teeth may not form properly, resulting in permanent damage. Regular dental check-ups are essential for identifying and addressing potential issues early on, preventing minor problems from escalating into serious ones. Therefore, it’s important to prioritize dental visits for toddlers to safeguard their long-term oral health.

Tips for Maintaining Toddler Dental Health at Home

To maintain a toddler’s dental health at home, it’s important to establish a good oral hygiene routine. This includes brushing their teeth with a child-sized toothbrush and a smear of fluoride toothpaste twice daily. It’s also essential to encourage healthy eating habits, limiting sugary snacks and drinks that can contribute to tooth decay. Promoting regular water consumption and discouraging prolonged use of sippy cups can also help prevent dental issues. Finally, it’s crucial to supervise and assist with brushing and flossing until the child has developed the talent to do so effectively. Regularly scheduled dental check-ups and cleanings are also key to maintaining good oral health.

For more information and assistance with dental care for your child, visit ShareofCost.com or call us at 310-534-3444. We are here to help you prioritize your child’s oral health.

Posted on Tuesday, Oct. 22nd 2024 10:11 AM | by Share of Cost | in Dental Insurance, Share of Cost | No Comments »

Share of Cost – Understand an HMO Dental Insurance Plan

Wednesday, Oct. 2nd 2024 10:00 AM

An HMO dental insurance plan is a type of dental coverage that operates on the health maintenance organization (HMO) model. In this model, members are required to choose a primary care dentist from a network of providers. The managed care model aims to control costs and improve the quality of care by closely working and coordinating the services provided to members, which can involve preauthorization requirements for certain procedures and focusing on cost-effective treatment options.

The primary care dentist is the main point of contact for all dental care needs. They coordinate and manage all aspects of your dental care and are responsible for referring you to specialists within the network when necessary.

If you need to see a dental specialist, your primary care dentist will provide you with a referral to ensure the specialist you see is within the HMO network. This process helps ensure that all your dental care providers work together to coordinate your care effectively. It’s important to note that with HMO dental plans, seeing a specialist typically requires a referral from your primary care dentist to be covered by the plan.

Having an HMO Dental Insurance Plan Offers Several Benefits

  • Lower premiums than other dental insurance plans: HMO dental insurance plans typically offer lower premiums than other dental insurance plans such as PPO or Indemnity. For an individual, PPO or Indemnity plans can start around $45 and up, while a family plan can start around $100. On the other hand, HMO insurance plans can cost as low as $8.00 to $25.00 per month for an individual and around $30.00 to $50.00 per month for a family of three or more. It’s important to note that rates can vary depending on the specific plan, but overall, HMO plans are more affordable.
  • Predictable out-of-pocket costs for dental care: With an HMO plan, you can enjoy the benefit of predictable out-of-pocket costs. This is because HMO plans provide a comprehensive fee schedule for all covered dental services. This schedule clearly outlines the costs associated with each type of dental service, eliminating any guesswork and uncertainty. By knowing the exact cost of each service beforehand, you can effectively budget for your dental care needs, making it easier to manage your healthcare expenses.
  • Coverage for preventive care such as cleanings and exams: Under many HMO plans, coverage for preventive care, including cleanings, exams, and X-rays, is provided at little to no cost. HMOs strongly emphasize preventive care to uphold dental health and minimize more extensive dental issues. This proactive approach aims to reduce the need for more comprehensive and costly dental treatments in the future.
  • Access to a network of dentists who have agreed to accept lower fees for their services: One of the major benefits of an HMO dental plan is access to a network of dentists who have agreed to accept lower fees for their services. As a member of the HMO dental plan, you can access a wide range of dentists who have already agreed to provide their services at reduced rates, resulting in significant cost savings. You can receive high-quality dental care at more affordable prices than visiting dentists outside the network. Additionally, having a network of dentists ensures you have various options, allowing you to find a dentist that best meets your needs and preferences. Overall, this benefit provides financial savings and a diverse selection of dental care providers, making the HMO dental plan a valuable choice for managing your dental health.
  • No annual maximum or waiting periods for coverage to start: Most PPO plans will have an annual maximum limitation, and many have waiting periods for basic and major dental services. However, most HMO dental insurance plans generally do not have these limitations. However, reading the plan’s terms and conditions is still important to know their limitations.
  • Coverage for basic and major dental services, although you may need a referral for specialist care: HMO plans typically cover a wide range of basic and major dental services beyond preventive care. Benefits include procedures such as fillings, root canals, and extractions. However, it’s important to note that for specialist care, such as orthodontics or oral surgery, you may need a referral from your primary care dentist to cover the services by your HMO plan.

Choosing an HMO dental insurance plan means selecting a primary care dentist from the network of providers. This dentist will coordinate your dental care and, if necessary, provide referrals to specialists within the network. While you can change your primary care dentist, choosing one conveniently located and meeting your specific dental needs is important. An HMO dental insurance plan can provide you and your family with cost-effective access to quality dental care.

Other Considerations for HMO Dental Insurance Plans

When considering HMO dental insurance plans, it’s important to be aware of the potential disadvantages alongside the benefits. Here are some key drawbacks to keep in mind:

  • Limited provider network: While access to a network of dentists is undoubtedly a benefit, it can also have drawbacks. The extent of the network can vary significantly depending on the area you reside in, with rural areas often having fewer providers compared to urban areas. This limitation means you may need to switch to a new provider if your preferred dentist is not in the network. Therefore, when evaluating a dental HMO, it’s important to ensure that there are at least three dental providers in your area. This ensures that you have options to change providers if needed.
  • Referral requirements for specialist care: Under HMO plans, seeing a specialist typically necessitates a referral from your primary care dentist to be covered by the plan. This extra step can potentially lead to delays in accessing specialized care.
  • Less flexibility in choosing dental providers: Unlike PPO plans, HMO plans have stricter rules regarding out-of-network care. In emergencies or when seeking care outside the network, coverage may not be provided, leaving members responsible for the full cost of treatment.
  • No outside network benefits: HMO dental insurance plans typically do not provide coverage for services rendered by dentists outside of the plan’s network. Therefore, when choosing an HMO, you may have to choose a new provider if your current dentist is not a network provider of the HMO plan you want to have.

While HMO dental insurance plans offer cost-effective access to dental care, these limitations should be carefully considered to determine if an HMO plan aligns with your specific dental care needs and preferences.

In conclusion, while HMO dental insurance plans offer cost-effective access to dental care, it’s essential to consider the limitations associated with these plans carefully. The limited provider network, referral requirements for specialist care, and less flexibility in choosing dental providers are important factors to consider. Understanding these drawbacks will help determine if an HMO plan aligns with one’s dental care needs and preferences.

How to Shop for an HMO Insurance Online

When shopping for an HMO dental insurance plan online, there are several key steps to consider:

1. Research and Compare Plans: Research different HMO dental insurance plans available in your area. Many insurance providers have websites to compare plan details, coverage, and costs. Consider factors such as monthly premiums, deductibles, coverage for preventive care, and the network of dentists available.

2. Check Provider Networks: Look into the provider networks associated with each HMO dental insurance plan. Ensure that dentists within the network are located conveniently near your home or workplace. This will make it easier for you to access dental care when needed.

3. Understand Coverage Details: Carefully review the coverage details for each plan. Pay attention to the types of dental services covered, preauthorization requirements, and limitations. Understand what is and isn’t covered under the plan, including preventive care, basic services, major services, and specialist care.

4. Consider Cost and Affordability: Compare the costs of different HMO dental insurance plans. Evaluate the monthly premiums, copayments, and any out-of-pocket expenses. Determine whether the plan offers affordable coverage for your specific dental care needs.

5. Read Reviews and Ratings: Look for reviews and ratings of the HMO dental insurance plans you are considering. Feedback from current or past members can provide insights into the quality of service, ease of access to care, and overall satisfaction with the plan.

6. Check Customer Support and Tools: Evaluate the customer support provided by the insurance company. Consider whether they offer online tools or resources to help you understand the plan, find a dentist, or manage your account conveniently.

7. Verify Plan Details: Verify the plan details with the insurance provider before deciding. Ensure you understand the terms and conditions, exclusions, and the process for seeking dental care within the network.

8. Enroll Online: Once you’ve chosen an HMO dental insurance plan that meets your needs, you can enroll online through the insurance provider’s website or call their member service number. Follow the enrollment process, provide the required information, and make any initial payments to activate your coverage.

Following these steps, you can effectively shop for an HMO dental insurance plan online and decide based on your dental care needs and budget.

The Importance of Dental Insurance

Dental insurance is important for several reasons. Firstly, it helps to offset the high costs associated with dental care. Routine check-ups, cleanings, and more extensive procedures can be quite expensive, and having insurance coverage can help make these services more affordable.

Secondly, dental insurance encourages regular dental visits, which is essential for maintaining good oral health. Many dental insurance plans cover preventive care such as cleanings and exams, making it easier for individuals to prioritize their dental health without worrying about the financial burden.

Additionally, dental insurance provides a safety net in case of unexpected dental issues or emergencies. It can help cover the costs of treatments such as fillings, root canals, extractions, and more, reducing the financial impact of unforeseen dental problems.

Overall, having dental insurance is important for maintaining good oral health, managing costs, and addressing dental issues promptly.

Finding Affordable Dental Insurance Plans.

The process of finding and comparing dental insurance plans has never been easier. Most insurance companies and agents now offer the convenience of purchasing dental insurance over the phone. Many plans can also be purchased online, providing flexibility and accessibility. However, being able to ask questions to a real person can be quite beneficial, as it allows for a more in-depth understanding of the plans, making the review process easier.

If you have any questions about the different types of dental insurance, how they work, or which kind of plan would best fit your dental care needs, please don’t hesitate to contact our member services at 310-534-3444. Our knowledgeable staff can provide information about the various plan types and answer questions about our dental insurance plans. Even if you don’t have dental insurance or would like to explore other options, ShareofCost.com is here to assist you.

Posted on Wednesday, Oct. 2nd 2024 10:00 AM | by Share of Cost | in Dental Insurance, Medi-Cal, Medicaid, Medicare, Share of Cost, Social Security | No Comments »

Share of Cost – Understand a PPO Dental Insurance Plan

Wednesday, Sep. 25th 2024 10:00 AM

A PPO dental insurance plan is a type of dental insurance that offers a network of dentists who have agreed to provide services to plan members at UCR rates. Unlike other dental insurance plans, PPO plans give you the freedom to choose your dentist, whether in-network or out-of-network. If you are considering dental insurance, here are some benefits of selecting a PPO plan:

Benefits of a Dental PPO Plan

1. Wide Network of Dentists: PPO plans have an extensive network of dentists, giving you a greater choice of providers. You can choose a dentist close to your home or workplace, making getting the dental care you need more convenient.

2. Flexibility: With a PPO plan, you can see any dentist you choose, whether in-network or out-of-network. If you choose an out-of-network dentist, you may have to pay more but still receive some coverage.

3. No Referrals Required: PPO plans do not require you to get a referral from your primary care dentist before seeing a specialist. Not having a referral means you can go directly to a specialist for the necessary care without going through additional steps.

4. Preventive Care Coverage: PPO plans often cover preventive care services like cleanings and checkups at little or no cost to you. Preventive care helps you maintain good oral health and catch potential problems early on. For example, let’s say you need a root canal. With a PPO plan, you can choose your dentist and receive coverage for the procedure. If you choose an in-network dentist, you will likely be within the company UCR rates on the procedure, saving you money. If you choose an out-of-network dentist, you still receive coverage but may have to pay a higher percentage of the cost and may have UCR fees.

5. Choosing your Dentist or Keeping Your Current Provider: One of the significant advantages for many individuals is the ability to retain their current dental provider. The flexibility offered by the plan allows you to select a dental provider from within the plan network or outside of it, giving you the freedom to choose or continue seeing your current dentist. Choosing inside or outside a plan’s network of providers ensures that you can maintain a trusted and familiar relationship with your dental care provider, which is important for many people regarding their oral health.

6. Choosing a Different Dentist for Each Family Member. Under a PPO plan, each member can see their dental provider if they have a family of three. This benefit helps each member go to the best dentist for their dental care needs.

7. Gradual increases in coverage for certain procedures over time. The PPO base benefits encompass a wide range of coverage options that gradually increase over time for certain procedures. This means that as time progresses, the benefits for specific dental procedures under the PPO plan will improve, providing more comprehensive coverage and support for policyholders. By incorporating gradual increases in coverage, the PPO plan aims to provide long-term value and support to its members, ensuring that their dental needs are met effectively over time.

In conclusion, a PPO dental insurance plan offers a vast network of dentists, flexibility, cost savings, no referral requirements, and coverage for preventive care services. These cost-saving benefits make PPO plans an attractive option for those looking to save money on dental care expenses while still receiving quality care from a dentist of their choice, providing a sense of financial security.

Limitations of a Dental PPO

Some common restrictions and limitations of a Dental PPO may include:

1. Waiting periods for certain procedures. Waiting periods refer to the length of time an individual must wait after purchasing an insurance policy before being able to access certain benefits or coverage for specific procedures or services. These waiting periods are imposed by insurance companies as a way to manage risk and prevent individuals from purchasing insurance only when they need to use certain services. Waiting periods vary depending on the type of procedure or service, and they are an important factor to consider when selecting an insurance plan.

2. Annual maximum coverage limits. Annual maximum coverage limits refer to the maximum amount of money that an insurance policy will pay per person per policy year for covered expenses. Once this limit is reached, the insured individual is responsible for paying all additional costs out of pocket. It’s important to be aware of these limits when selecting an insurance plan, as they can impact the level of financial protection provided.

3. Limited coverage for certain pre-existing conditions. Some PPO plans may have limitations or exclusions when it comes to covering pre-existing conditions. This means that certain dental conditions that existed before enrolling in the plan may not be covered or may have limited coverage. It’s important to carefully review the plan details and understand the extent of coverage for pre-existing conditions before enrolling in a PPO plan.

4. Exclusions for some cosmetic or elective procedures. Some PPO plans may have exclusions for certain cosmetic or elective procedures. It’s important to carefully review the details of your plan to understand which procedures may not be covered. These exclusions are often in place to control costs and ensure that the insurance company can provide coverage for necessary medical treatments. It’s always a good idea to check with your insurance provider if you have any questions about what is covered under your plan.

  • These restrictions and limitations can vary depending on the specific dental PPO plan, so it’s essential to review the details of your plan carefully.

In conclusion, it’s important to be aware of the limitations and restrictions that come with a Dental PPO plan. Waiting periods, annual maximum coverage limits, limited coverage for pre-existing conditions, and exclusions for certain procedures are all factors to consider when selecting an insurance plan. It’s crucial to carefully review the details of the plan to understand the extent of coverage and any potential restrictions. Being informed about these limitations will help in making an educated decision when choosing a Dental PPO plan that best fits your needs.

Shopping Out Dental PPO Insurance

When shopping online for a dental PPO plan, it’s important to consider several factors to make an informed decision. Here are some tips to help you choose the right plan:

1. Understand Your Dental Needs: Assess your dental care needs and consider the types of treatments and services you anticipate needing in the near future. This will help you determine which plan offers the coverage that best fits your needs.

2. Compare Coverage and Costs: Look at the coverage details and costs of different dental PPO plans. Pay attention to the annual maximum coverage limit, waiting periods, coverage for pre-existing conditions, and exclusions for certain procedures. Compare the costs of premiums, deductibles, and copayments to find a plan that offers comprehensive coverage at a reasonable cost.

3. Network of Dentists: Check the network of dentists included in each plan. Ensure that your preferred dentist or a reputable dental care provider is within the plan’s network to maximize your benefits and minimize out-of-pocket expenses.

4. Read Plan Details Carefully: Pay close attention to the fine print and understand the terms and conditions of each plan. Be aware of any limitations, restrictions, and exclusions to avoid any surprises when seeking dental care.

5. Customer Reviews and Ratings: Look for customer reviews and ratings of the dental insurance companies and their plans. This can provide insights into the quality of service, ease of claims processing, and overall customer satisfaction.

6. Seek Professional Advice: If you’re unsure about which plan is best for you, consider seeking advice from a dental insurance broker or financial advisor. They can provide personalized recommendations based on your individual circumstances.

By considering these tips, you can navigate the process of shopping for a dental PPO plan online with greater confidence and make a well-informed decision that aligns with your dental care needs and budget.

Finding Affordable Dental PPO Insurance Plans Through ShareofCost.com

The process has never been easier when it comes to finding and comparing dental insurance plans. Most insurance companies and agents now offer the convenience of purchasing dental insurance over the phone. Many plans can also be purchased online, providing flexibility and accessibility. However, being able to ask questions to a real person can be quite beneficial, as it allows for a more in-depth understanding of the plans, making the review process easier.

If you have any questions about the different types of dental insurance, how they work, or which kind of plan would best fit your dental care needs, please don’t hesitate to contact our member services at 310-534-3444. Our knowledgeable staff can provide information about the various plan types and answer any questions about our dental insurance plans. Even if you don’t have dental insurance or would like to explore other options, Shareofcost.com is here to assist you.

Posted on Wednesday, Sep. 25th 2024 10:00 AM | by Share of Cost | in Dental Insurance, Medicaid, Medicare, Share of Cost, Social Security | No Comments »

The High Cost of Dental Care – Share of Cost

Tuesday, Sep. 17th 2024 10:00 AM

The leading reason for people delaying dental visits, as indicated by a 2012 Consumer Reports survey, is the high cost of care. The cost of dental care has continued to increase since 2012, making it even more challenging for people to prioritize regular dental visits. Many individuals, especially those without adequate insurance coverage, face financial barriers when seeking dental treatment. As a result, the affordability of dental care remains a significant concern for a large portion of the population, impacting their ability to maintain optimal oral health.

Investing in dental insurance is an effective method to save money on dental care. Research has shown that individuals with dental insurance are more likely to visit the dentist regularly than those without coverage. Despite this, approximately 130 million Americans still lack dental insurance.

Tip 1 on How to Reduce Your Dental Care Cost

It’s essential to remember that when you’re discussing treatment options with your dentist, your dental insurance coverage and budget may not be at the top of their minds. Their main focus will be recommending the best treatment for your oral health. It’s important to have open communication with your dentist about your financial considerations. By discussing your budget and insurance coverage, your dentist may be able to suggest alternative, more affordable, and effective treatment options. Communicating openly with your dentist about cost concerns can help you work together to find the best possible solution for your dental care needs.

Tip 2 on How to Reduce Your Dental Care Cost

Negotiate: A little shopping/homework can help save you some money on your dental care needs. It would help if you never assumed the asking price for a particular service is the final amount your dental provider will accept.

First: Remember to shop and find out the average cost of the procedure you need in your area. Call a few local providers to determine the average price in your area. You can also visit Fairhealthconsumer.org, enter your zip code and the dental procedure, and you will be provided with the UCR for that service in your area.

Second: Once you have researched the standard fees, you can ask your dentist to match the rate you found (if it’s higher) or negotiate a lower price. Furthermore, some dental offices may offer a discount if you pay in cash for your dental treatment at the time of service.

Tip 3 on How to Reduce Your Dental Care Cost:

A dental discount plan may be a great option for individuals unable to afford traditional dental insurance. While dental discount plans differ from insurance, they can yield significant savings, typically from 10% to 60%, on a broad spectrum of dental procedures participating dentists offer. It’s essential to note that this website provides traditional dental insurance and dental discount plans, allowing for a comprehensive review of available options to suit your unique needs and budget.

Tip 4 on How to Reduce Your Dental Care Cost

If you’re looking to save on the cost of dental care treatment, one option to consider is visiting a dental school. Dental schools offer high-quality dental treatment at a significantly lower price as the students are supervised by experienced and licensed dental professionals. Dental schools allow individuals to receive affordable dental care and enable dental students to gain practical experience under the guidance of qualified mentors.

To find a list of dental schools, you can visit the American Dental Association’s website, where you can access valuable information about different dental schools and their programs. Choosing a dental school for your dental care needs can be cost-effective and beneficial for maintaining good dental health.

Tip 5 on How to Reduce Your Dental Care Cost

Did you know that numerous dental clinics across the country provide low-cost or even free dental care to low-income households? These clinics ensure everyone has access to essential dental services, regardless of their financial situation. Dentistry From The Heart also organizes hundreds of events annually, offering complimentary dental care to communities nationwide. This noble initiative contributes significantly to promoting oral health and well-being for individuals who may not have the means to afford regular dental treatment.

Conclusion   

The following tips are useful for you when it comes to managing and reducing dental care costs. It’s important to prioritize your oral health; these suggestions can help make dental care more affordable and accessible. You can take significant steps toward maintaining optimal oral health without breaking the bank by exploring different options such as dental insurance, negotiation, dental discount plans, dental schools, and low-cost or free dental clinics. Remember, open communication with your dentist about your budget and exploring these cost-saving opportunities can lead to better oral health outcomes while being mindful of your financial considerations.

Shareofcost.com offers a wide range of dental insurance plans to suit your specific dental care needs. Our goal is to provide you with the best coverage options to ensure you receive the care you need now and in the future. Call us at 310-534-3444 Monday through Friday from 8 am to 4 pm to obtain a quote and explore our dental insurance plans. Our dedicated team is available to discuss your dental insurance needs and help you select a plan that best fits your requirements. We understand the importance of having the right dental insurance coverage, and we are here to assist you in finding the perfect plan for your dental care needs.

Posted on Tuesday, Sep. 17th 2024 10:00 AM | by Share of Cost | in Dental Insurance, Medi-Cal, Medicaid, Medicare, Share of Cost | Comments Off on The High Cost of Dental Care – Share of Cost

What Medi-Cal Covers – Share of Cost

Tuesday, Sep. 10th 2024 10:00 AM

The Medi-Cal program is designed to cover a wide range of medically necessary healthcare services. This includes, but is not limited to, physician visits, X-ray and laboratory tests, hospital and nursing-home care, home health care, certain prescription drugs that are excluded as a Medicare Part D benefit, prosthetic and orthopedic devices, hearing aids, medical equipment, ambulance services, hospice care, and dental services through its Denti-Cal program. One important thing to remember is that Medi-Cal will only cover these costs and services if you use providers that accept Medi-Cal.

For individuals with Medicare and Medi-Cal, it’s important to understand that Medicare is considered the primary payer; this means it will pay first for Medicare-covered benefits. Medi-Cal, on the other hand, is the secondary payer. For those who qualify for full Medi-Cal without a share of cost (SOC), Medi-Cal will also cover their Medicare Part A and B deductibles and copayments and pay their monthly Medicare Part B premium. This comprehensive coverage ensures that individuals can access necessary healthcare services without significant financial burdens. This integrated approach to healthcare coverage provides peace of mind for those navigating the complexities of the healthcare system.

What is a Share of Cost?

The Share of Cost (SOC) is a crucial aspect of the Medi-Cal program, as it determines the amount certain beneficiaries must pay before Medi-Cal covers their medical expenses. Similar to an insurance deductible, the SOC represents the initial financial responsibility of the insured individual. Once the SOC amount is paid within a specific eligibility period, Medi-Cal will cover the remaining costs for covered services. This system ensures that individuals contribute towards their medical expenses before receiving full coverage from Medi-Cal, promoting responsible and sustainable use of the program’s resources.

Imagine the Share of Cost (SOC) as a hurdle you need to cross before Medi-Cal starts covering your medical expenses. Just like in a video game where you have to clear a certain level before moving on to the next, the SOC is an amount you must pay out of your pocket before Medi-Cal steps in to cover the rest.

For example, let’s say your SOC is $500. You must pay the first $500 of your medical expenses within a specific period, say each month, before Medi-Cal covers the rest. Once you’ve paid your $500, Medi-Cal will take care of the remaining costs for the services it covers. It’s like reaching a target amount of expenses you need to cover before Medi-Cal kicks in to support you.

Implementing a share of cost in Medi-Cal is intended to establish a system whereby individuals are financially responsible for their healthcare expenses in line with their income and resources. This strategic approach ensures the program’s sustainability while continuing to offer crucial healthcare coverage to those in need. Consequently, individuals with incomes exceeding the program’s allowable thresholds are subject to a share of cost.

Notably, asset limits are scheduled to be eliminated for all programs, except for SSI, effective January 1, 2024. Specifically for SSI, the asset limits are set at $2,000 for individuals and $3,000 for couples. In addition, for Medi-Cal beneficiaries with a Share of Cost (SOC) who are 65 or older, blind or disabled, the income limits are set at over $1,732 per month for individuals and over $2,351 per month for couples.

It is important to note that the income limits for Medi-Cal and other similar programs typically change each year. These adjustments consider factors such as inflation and changes in the cost of living. Therefore, individuals must stay informed about these changes, as they can vary from year to year. Staying updated on the income limits ensures that individuals understand their eligibility for healthcare coverage and any financial responsibilities, such as a share of cost. By staying informed, individuals can make well-informed healthcare and financial planning decisions.

How to Not Have or Reduce Your Share of Cost

There are various strategies to reduce or eliminate your Share of Cost (SOC) in the Medi-Cal program by spending down your income. One approach is to utilize acceptable expenses that reduce your income, thereby reducing your SOC. For example, dental and vision insurance are considered acceptable expenses that can be used to lower your income and subsequently reduce your SOC.

At ShareofCost.com, we offer dental and vision insurance, which can serve as valuable tools in minimizing your income for SOC purposes. By utilizing these insurance options, you can strategically reduce your income to avoid having a Share of Cost.

It’s important to understand that the goal is to bring your income below the income limits set by the program. If you can reduce your income below the specified limits successfully, you may become eligible to bypass the Share of Cost requirement entirely.

Exploring acceptable expenses and utilizing them to bring your income within the allowable thresholds can significantly impact your financial responsibilities within the Medi-Cal program. By effectively managing your income and incorporating eligible expenses, you can work towards minimizing or eliminating your Share of Cost, allowing you to access vital healthcare services without encountering substantial financial burdens.

How ShareofCost.com Can Help You.

At ShareofCost.com, we understand the importance of affordable dental and vision insurance plans in reducing or eliminating your Share of Cost (SOC) in the Medi-Cal program. We offer a diverse range of dental and vision insurance plans starting at $7.95 a month and higher, with options to meet the spend-down requirements for most people to eliminate your SOC. Our goal is to assist you in finding insurance plans that cater to your specific SOC needs and address your dental and vision care requirements.

We are dedicated to helping you choose the right insurance plans that align with your financial situation and healthcare needs. Our knowledgeable team is available to discuss the options and assist you in selecting the best plan for your circumstances. Feel free to contact our office at 310-534-3444 during our business hours, Monday to Friday, from 8 am to 4 pm, and we will work with you to explore the insurance solutions that are tailored to your needs.

Posted on Tuesday, Sep. 10th 2024 10:00 AM | by Share of Cost | in Dental Insurance, Medi-Cal, Medicaid, Medicare, Share of Cost | Comments Off on What Medi-Cal Covers – Share of Cost

Abscessed Tooth and Dental Insurance.

Monday, Sep. 2nd 2024 10:00 AM

Question: I am unsure, but I may have an abscessed tooth. I do not currently have dental insurance, and with the cost of dental care, I have been putting off going to the dentist because I do not have the money for treatment. However, lately, I’ve been experiencing a severe, persistent, throbbing toothache that doesn’t seem to disappear. It’s been quite debilitating and is causing a lot of discomfort. I’ve tried some over-the-counter pain relief, but it only provides temporary relief. I’m concerned about it but don’t know what to do.

Answer: Unfortunately, delaying dental care can lead to more severe and costly treatments, as you’re experiencing. However, several options are available to you, which we will discuss in this post. First, let’s address the urgency of a dental abscess and how you can determine if you have one.

What is an Abscessed Tooth?

An abscessed tooth is normally a painful infection at the root of a tooth or between the gum and a tooth. It is most commonly caused by severe tooth decay. However, some other causes include trauma to the tooth, such as when it is broken or chipped, and gingivitis or gum disease. These problems can cause openings in the tooth enamel, allowing bacteria to infect the tooth pulp (the tooth’s center). The infection may also spread from the tooth’s root to the bones supporting the tooth. If you think you may have an abscessed tooth, you must see a dentist right away. Untreated dental abscesses are painful and can lead to much larger health issues.

Symptoms of an abscessed tooth can include:

How can you tell if you may have an abscessed tooth? Many warning signs come with a dental abscess. Addressing any of the signs listed below with your dentist is important.

  • Severe, persistent, and throbbing toothache
  • Sensitivity to hot and cold temperatures
  • Foul-tasting and smelling discharge
  • Swollen neck glands
  • Swollen upper or lower jaw
  • Swollen, red, and painful bump in your mouth

If you have any of these warning signs, it’s important to seek dental treatment immediately. Delaying treatment can lead to more serious health issues. Don’t hesitate to contact a dentist if you are experiencing any of these symptoms.

Important Information about Dental Abscess

A dental abscess is a serious condition that should not be taken lightly. If left untreated, it can lead to severe consequences, including:

  • Spread of infection to other parts of the body
  • Damage to the surrounding teeth and tissues
  • Formation of a painful and persistent swelling
  • Risk of developing a systemic infection
  • Potential loss of the affected tooth due to extensive damage Increased intensity of pain and discomfort
  • Worst-case scenario death: A study published in the Journal of Endodontics in 2013 examined 61,000 hospitalizations for abscesses between 2000 and 2008. The study revealed that 66 of these patients, accounting for roughly one in 1,000 cases, passed away due to the infection.

Abscesses are a serious matter and can occur anywhere on the body, but they are especially concerning when they occur in the mouth. These infections should be taken seriously and addressed promptly to prevent further complications and to maintain overall health and well-being. Seeking timely treatment is crucial to prevent the abscess from spreading and causing more serious health issues. It’s important to consult with a healthcare professional if you suspect you have an abscess to receive proper care and treatment.

Managing Dental Abscess on a Limited Budget

Here are some ways to deal with a dental abscess, even with limited income.

1) Dental Discount Plans: When considering a low-cost dental discount plan, it’s important to weigh the benefits it offers against the cost. These plans generally run around $10.00 a month, and they can significantly reduce dental care expenses at plan providers, typically offering savings of around 30% or more. One key advantage is that these plans become effective before the next business day, which is crucial if you require immediate dental care.

Moreover, if you decide to opt for a dental discount plan, it’s a good idea to inquire with the dentist whether they offer any payment plan options that you can utilize. A payment plan option can help financially make any necessary dental treatments or procedures more manageable.

2) HMO Dental Insurance Plans: It’s important to consider certain factors when considering a lower-cost HMO insurance plan. While these insurance plans typically do not have waiting periods, allowing you to access the benefits immediately, they may take some time to become effective. Normally, these plans become effective at the start of the following month after purchase. However, it’s crucial to take note of the specific cut-off dates associated with these plans to ensure you know the exact effective date. This information is particularly important if you need to schedule a dental appointment.

3) Dental Schools: Contact local dental schools for affordable dental care. They often provide services at lower costs. However, remember that availability can vary, so it’s essential to inquire about their procedures for accepting new patients. When contacting them, emphasize the urgency of your situation, particularly since you are dealing with a dental abscess, and inquire about their ability to accommodate an immediate appointment. If the wait time is too lengthy, you may need to explore alternative options.

4) Dental Clinics: When looking for dental clinics nearby, it’s important to consider that they often provide dental treatment services at a lower cost than private ones. Some clinics even offer services based on what you can afford, making dental care more accessible to individuals with varying financial situations. Considering the potential wait time for appointments when seeking treatment at these institutions is essential.

5) Healthcare Credit Cards: Healthcare credit cards, like Care Credit, can be a convenient way to manage the cost of dental care. While they may not necessarily save you money on the overall cost of treatment, they can make it more manageable by allowing you to spread the payments over time. Healthcare credit cards can be particularly helpful when faced with unexpected or high dental expenses, as they enable you to receive the care you need without paying the entire amount upfront. Remember that it’s important to carefully review the terms and conditions of any healthcare credit card to ensure you understand the interest rates and repayment terms.

Tips for Alleviating Pain While Waiting to See a Dentist for an Abscessed Tooth

While waiting to see a dentist for an abscessed tooth, you can try the following to alleviate the pain:

  • Rinsing your mouth with warm salt water can help reduce pain and draw out some of the infection. It’s a simple but effective natural remedy that temporarily relieves oral discomfort. Warm salt water helps create an inhospitable environment for bacteria and can also help reduce inflammation. This practice is often recommended to relieve pain associated with minor mouth sores, gum irritation, or after dental procedures. Remember to spit out the salt water after rinsing and avoid swallowing it.
  • Over-the-counter pain relievers like ibuprofen (Advil, Motrin) or acetaminophen (Tylenol) are commonly used to help manage mild to moderate pain. Ibuprofen is a nonsteroidal anti-inflammatory drug (NSAID) that can help reduce inflammation and relieve pain, while acetaminophen is a pain reliever and fever reducer. It’s important to follow the recommended dosage and guidelines for these medications and consult a healthcare professional if you have any questions or concerns about using them.
  • `Applying a cold compress to the outside of your cheek effectively reduces swelling and numbs the pain. The cold temperature helps constrict the blood vessels, reducing inflammation and providing relief. Remember to wrap the cold compress in a thin towel to avoid direct contact with your skin and limit application to 10-15 minutes to prevent icing the area. This simple remedy can be quite helpful for managing discomfort associated with swelling and pain in the cheek area.
  • Avoid consuming very hot or cold foods and drinks, as they can exacerbate the pain, is advisable to minimize discomfort.
  • When caring for the affected tooth, it’s important to maintain good oral hygiene by brushing and flossing gently. Keeping the area clean is essential for promoting healing and preventing further discomfort. However, it’s important to be cautious and avoid agitating the affected tooth too much during the cleaning process to avoid exacerbating any existing issues.

However, seeing a dentist as soon as possible is important to get proper treatment for an abscessed tooth, as it can lead to serious complications if left untreated.

At ShareofCost.com, we sell a broad range of dental insurance plans. If you want to know more about dental insurance or how our plans can help you, don’t hesitate to get in touch with our office at 310-534-3444. We would happily help you get a dental insurance plan that fits your needs.

Posted on Monday, Sep. 2nd 2024 10:00 AM | by Share of Cost | in Dental Insurance, Share of Cost | Comments Off on Abscessed Tooth and Dental Insurance.

Share of Cost – What white patches on your tongue or inner cheek could mean. 

Monday, Aug. 26th 2024 10:00 AM

If you notice white patches on your tongue or inner cheeks, it’s essential to address it quickly. A common cause of these patches is Oral thrush. Due to an overgrowth of the candida fungus, also known as yeast, in the mouth, oral thrush can occur. Oral thrush can be a sign of a weakened immune system, as it typically affects individuals with an immune system not functioning correctly.

Several underlying medical conditions can lead to a weakened immune system, including cancer, HIV, and diabetes. Moreover, certain medications can weaken the immune system, leading to increased vulnerability to infections such as oral thrush.

If left untreated, oral thrush can spread to other parts of the body, leading to more severe complications. Typical symptoms of oral thrush include white, creamy patches on the tongue, inner cheeks, or roof of the mouth, and sometimes redness or soreness in the affected area.

If you suspect you have oral thrush, it’s important to seek medical attention immediately. Your doctor can diagnose the condition and prescribe antifungal medication to treat the underlying infection. To prevent oral thrush, maintain good oral hygiene. Brushing and flossing daily, using mouthwash, and avoiding smoking and excessive alcohol consumption.

Remember, if you notice any unusual symptoms, it’s always best to seek medical advice to ensure you receive the appropriate care.

Posted on Monday, Aug. 26th 2024 10:00 AM | by Share of Cost | in Dental Insurance, Share of Cost | Comments Off on Share of Cost – What white patches on your tongue or inner cheek could mean. 

Share of Cost – Do Your Gums Bleed While Flossing? 

Monday, Aug. 19th 2024 10:00 AM

If you experience bleeding gums while flossing, paying attention to this symptom is essential. Bleeding gums can be a sign of gum disease known as periodontitis. A variety of factors, such as poor oral hygiene, smoking, hormonal changes, and certain medications, can cause gum disease. However, bleeding gums can also be an indicator of an underlying health condition, such as diabetes.

Studies have shown that people with diabetes are more prone to develop gum disease. High blood sugar levels in people with diabetes can cause damage to the blood vessels, making it harder for the body to fight infections. As a result, people with diabetes are at higher risk of developing gum disease and other illnesses. 

If you have diabetes, it is crucial to maintain good oral hygiene to prevent gum disease. Good oral hygiene includes brushing your teeth twice daily, flossing daily, and visiting your dentist regularly. Your dental care provider can help you manage your oral health and detect any signs of gum disease early on.

In addition to maintaining good oral hygiene, controlling your blood sugar levels is essential for preventing gum disease. Managing your diabetes through proper diet, exercise, and medication can help reduce the risk of developing gum disease.

In conclusion, bleeding gums while flossing can be a sign of gum disease, but it can also indicate an underlying health condition such as diabetes. If you experience bleeding gums, you must speak with your dentist and primary care physician to determine the cause and take the necessary steps to manage your oral and overall health.

Dental Insurance Helps You Maintain Good Dental Health.

Having dental insurance helps you with the cost of dental care and visiting your dentist as advised. You can contact our member service line at 310-534-3444. Our team of experts will help you understand each plan’s different options and benefits. They will guide you in selecting the best plan to provide your family with the necessary coverage at a price that fits your budget.

Posted on Monday, Aug. 19th 2024 10:00 AM | by Share of Cost | in Dental Insurance, Share of Cost | Comments Off on Share of Cost – Do Your Gums Bleed While Flossing? 

What Bad Breath Could Mean and Its Most Likely Causes.

Monday, Aug. 12th 2024 10:00 AM

Poor oral hygiene or gum disease most likely causes bad breath. However, bad breath can signal a sinus infection and acid reflux. A Journal of General Internal Medicine study found an association between GERD symptoms and bad breath or sleep apnea. People with sleep apnea are likelier to breathe through their mouths at night. Breathing through your mouth can lead to dry mouth (another cause of bad breath).

Having dental insurance helps reduce your expenses and enables you to eliminate SOC. Using your dental insurance and seeing your dentist as advised will help you maintain good dental health care. You can contact our member service line at 310-534-3444. Our team of experts will help you understand each plan’s different options and benefits. They will guide you in selecting the best plan to provide your family with the necessary coverage.

What is Acid Reflux and Sleep Apnea?

  • Acid reflux, also known as gastroesophageal reflux disease (GERD), is where the stomach’s acidic contents flow back into the esophagus. Acid Reflux can cause heartburn and other symptoms. The lower esophageal sphincter (LES), a muscle at the bottom of the esophagus, helps prevent acid reflux by closing off the esophagus from the stomach. When the LES doesn’t function properly, acid can flow back into the esophagus, causing irritation and discomfort.
  • During sleep, people with sleep apnea experience pauses in breathing or take shallow breaths. These pauses can last a few seconds to minutes and occur multiple times at night. Sleep apnea can cause loud snoring, gasping, or choking sounds during sleep. Sleep apnea disrupts sleep quality and leads to daytime fatigue and sleepiness. There are two main types of sleep apnea: obstructive sleep apnea and central sleep apnea.
  • Obstructive Sleep Apnea: Is caused by a blockage or narrowing of the airway.
  • Central Sleep Apnea: Is caused by the brain not sending the right signals to the muscles that control breathing. Sleep apnea can be diagnosed and treated by a medical professional.
Posted on Monday, Aug. 12th 2024 10:00 AM | by Share of Cost | in Dental Insurance, Share of Cost | Comments Off on What Bad Breath Could Mean and Its Most Likely Causes.

Share of Cost – What May Happen if Periodontitis is Left Untreated

Monday, Aug. 5th 2024 10:00 AM

Periodontitis is a severe gum disease that can damage the soft tissues and bones that support your teeth. If left untreated, it can lead to tooth loss, and that’s not the only thing you should be worried about. Research has shown that people with periodontitis are at a higher risk of developing other health problems, such as heart attacks, strokes, and respiratory diseases. This is because the bacteria that cause periodontitis can enter your bloodstream and travel to other parts of your body, causing inflammation and damage.

Fortunately, there are things you can do to prevent periodontitis. The most important thing is to practice good dental hygiene, which includes brushing your teeth at least twice a day, flossing regularly, and using mouthwash. It would help to visit your dentist regularly for checkups and cleanings. Your dentist can identify the early signs of periodontitis and provide treatment before it becomes more serious.

In summary, taking care of your gums is essential if you want to keep your teeth and overall health in good shape. Take action before you have symptoms of periodontitis. Start by adopting healthy dental habits and visiting your dentist regularly. Your efforts now will pay off in the long run, helping you maintain good oral and overall health for years to come.

Posted on Monday, Aug. 5th 2024 10:00 AM | by Share of Cost | in Dental Insurance, Share of Cost | Comments Off on Share of Cost – What May Happen if Periodontitis is Left Untreated

Share of Cost – What is Periodontitis 

Monday, Jul. 29th 2024 10:00 AM

Periodontitis is a common dental disease that affects millions of people worldwide. It is caused by the accumulation of bacteria, plaque, and tartar on the teeth. Over time, this can lead to severe damage to the gums and bone surrounding the teeth. 

Periodontitis can cause tooth loss if left untreated, as the infection gradually destroys the tooth’s supporting structures. The symptoms of periodontitis include swollen and bleeding gums, bad breath, loose teeth, and receding gums.

Periodontitis is classified into several types, depending on the severity of the disease. The mildest form is gingivitis, characterized by red, swollen, and bleeding gums. However, if gingivitis is left untreated, it can progress to periodontitis, a more severe form of gum disease.

Periodontitis is usually caused by poor oral hygiene, but other factors such as smoking, genetics, and certain medical conditions can also contribute to the development of the disease. Therefore, it is essential to maintain good oral hygiene practices such as brushing twice daily, flossing daily, and visiting the dentist regularly to prevent the onset of periodontitis.

In summary, periodontitis is a severe dental disease that can cause long-term damage if left untreated. Maintaining good oral hygiene practices and seeking professional dental care can help prevent the onset of this disease and ensure good oral health.

Posted on Monday, Jul. 29th 2024 10:00 AM | by Share of Cost | in Dental Insurance, Share of Cost | Comments Off on Share of Cost – What is Periodontitis 

Share of Cost – Poor Dental Hygiene and Links to Heart Disease

Monday, Jul. 22nd 2024 10:00 AM

A more established link between poor dental hygiene and overall health care is heart disease. The University of Bristol in the UK and the Royal College of Surgeons in Dublin, Ireland, found that people with bleeding gums from poor dental hygiene could be increasing their risk of heart disease.

The researchers found that heart disease risk increased because, in people who have bleeding gums, bacteria from the mouth can enter the bloodstream and stick to platelets, which can then form blood clots, interrupting the flow of blood to the heart and triggering a heart attack.

Posted on Monday, Jul. 22nd 2024 10:00 AM | by Share of Cost | in Share of Cost | Comments Off on Share of Cost – Poor Dental Hygiene and Links to Heart Disease

Share of Cost – Facts on How Fluoride Works. 

Monday, Jul. 15th 2024 10:00 AM

New evidence shows that fluoride also impacts the adhesion force of bacteria that stick to the teeth and produce the acid that causes cavities. The experiments — performed on artificial teeth (hydroxyapatite pellets) to enable high-precision analysis techniques — revealed that fluoride reduces the ability of decay-causing bacteria to stick, so that also on teeth, it is easier to wash away the bacteria by saliva, brushing, and other activity.

Posted on Monday, Jul. 15th 2024 10:00 AM | by Share of Cost | in Share of Cost | Comments Off on Share of Cost – Facts on How Fluoride Works.