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.

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.

Flossing is a simple yet effective dental hygiene practice often overlooked or ignored. However, it is essential to your daily dental care routine as it helps remove plaque and food particles that brushing alone cannot reach. Plaque is a sticky film of bacteria that forms on teeth and gums and can cause tooth decay and gum disease if not removed. Flossing is the only way to clean between teeth and remove plaque from these hard-to-reach areas.

Education about flossing is crucial. Understanding the benefits of regular dental flossing alongside dentist visits and brushing twice a day is essential. The message of proper cleaning techniques should be taught and practiced. Cleaning between teeth is a critical part of good oral hygiene as it helps prevent gum disease by helping remove plaque from these areas. Flossing is a vital part of your daily dental care habits, enabling you to maintain oral health care.

Moreover, studies show that gum disease has been linked with general health conditions. Conditions such as diabetes, strokes, cardiovascular disease, poor pregnancy outcomes, and even dementia. Gum disease occurs when the gums become inflamed and infected due to the buildup of plaque and tartar. The bacteria from gum disease can enter the bloodstream and potentially cause damage to other parts of the body.

When choosing dental floss, it is helpful to know the various materials, such as nylon or PTFE, and different types, like waxed or unwaxed. Choosing the right kind of floss for your teeth and gums is essential. If you have tight spaces between your teeth, you may prefer waxed floss, which is less likely to shred or break. If you have wider gaps between your teeth, you may prefer unwaxed floss, which can clean between the teeth more easily.

To Floss Properly:

1. Take about 18 inches of floss and wind it around your middle fingers. Leave about an inch of floss between them.
2. Use your thumbs and forefingers to guide the floss between your teeth and gently move it up and down. Make sure to curve it around the base of each tooth.
3. Use a clean section of floss for each tooth. Don’t snap the floss, which can damage your gums.

In conclusion, regular flossing is essential to maintaining good oral hygiene and overall health. Removing plaque and bacteria between your teeth can prevent gum disease and potentially increase overall health care. So, include flossing, brushing twice daily, and regularly visiting your dentist.

Question: My son is one, and I do not have dental insurance yet. I would like to know how often a baby must visit the dentist yearly. I see the dentist once a year for my dental check-up and cleaning. Would that be the same for my son? 

Answer:  Taking care of your child’s teeth is as important as taking care of your own. It is recommended that parents take their children to the dentist for the first time when they turn one or when their first tooth appears. Seeing the dentist ensures that potential dental problems are promptly caught and treated. 

As for the frequency of dental visits, it is generally recommended that children see a dentist twice a year. During these visits, the dentist will thoroughly examine the child’s teeth and gums and provide a cleaning to remove any plaque buildup. They will also check for any signs of tooth decay or other potential issues.

Some children may need to see the dentist more often than twice a year, depending on their dental health and any issues that may arise. For example, if a child has a history of cavities or other dental problems, the dentist may recommend more frequent visits to monitor their dental health. 

Additional Dental Healthcare for Children.

Besides regular dental visits, there are several things parents can do to help keep their children’s teeth healthy. Dental care includes encouraging good oral hygiene habits, such as brushing twice daily with fluoride toothpaste and regularly flossing. Limiting sugary foods and drinks is also important, as these can contribute to tooth decay.

Several options are available if you don’t currently have dental insurance for your child. Many employers offer dental insurance plans as part of their benefits package, so check with your employer to see if this is an option. If not, many low-cost dental insurance plans, such as HMOs, can help cover basic dental needs.

There are also government-funded programs that provide dental care for children. For example, Medicaid and the Children’s Health Insurance Program (CHIP) provide dental coverage for eligible children. These programs can help ensure your child receives the dental care they need, regardless of your financial situation.

In summary, it is recommended that children see a dentist twice a year unless advised otherwise by the dentist. Parents can promote good oral hygiene habits and limit sugary foods and drinks. If you don’t have dental insurance for your child, several options, including low-cost insurance plans and government-funded programs, are available. By taking these steps, you can help ensure your child’s teeth stay healthy and strong for years.

When subscribers enroll in Medi-Cal, they may be required to pay a Share of Cost (SOC). Providers can determine if a subscriber needs to spend a SOC by accessing the Medi-Cal eligibility verification system. This system provides the SOC dollar amount that a subscriber must pay. Providers can access the eligibility verification system through the Automated Eligibility Verification System (AEVS), state-approved vendor software, or the Medi-Cal provider website at www.medi-cal.ca.gov.

Question: What is a medical expense related to Medi-Cal’s share of the cost?

Reply: A medical expense can also include the cost of transportation to and from medical appointments, lodging, and meals during medical treatment if those expenses are deemed medically necessary. It’s important to note that not all medical costs are covered by Medi-Cal, and some services may require prior authorization. 

If you need clarification on whether a particular expense is covered, it’s always a good idea to check with your healthcare provider or Medi-Cal representative. Additionally, keeping track of all medical expenses and receipts is essential, as they may be tax deductible.

Keeping track of medical expenses and receipts can be daunting, but it’s important for tax purposes and to ensure you’re being charged correctly by your healthcare provider. Here are some tips to help you stay organized:

1. Keep all of your medical bills and receipts in one place. You can use a folder, envelope, or digital file on your computer or smartphone.

2. Note the date of service, provider name, and reason for the visit on each receipt or bill. This will make it easier to categorize your expenses later on.

3. Consider using a healthcare expense tracking app or software. These tools can help you keep track of expenses, categorize them, and even generate reports for tax purposes.

4. If you have health insurance, make sure to keep track of any co-pays, deductibles, or out-of-pocket expenses you incur. Your insurance provider may also provide you with a summary of your expenses for the year.

5. Finally, carefully review your medical bills and receipts to ensure you’re being charged correctly. If you notice any errors or discrepancies, contact your healthcare provider or insurance company to have them corrected.

Welcome, dental insurance seekers! Today, we’re delving into the intriguing question: Does having two dental insurance plans (dual coverage) mean double the benefits?’ The answer might not be what you expect. It’s a resounding no. But hold on, there’s a bright side. While dual coverage won’t double your benefits, it could save you significant money on dental procedures, empowering you to make the most of your insurance.

When you’re covered by two dental insurance plans, your insurers can split the cost of treatments, which could lead to lower out-of-pocket expenses. However, it’s crucial to do your research before opting for dual coverage. Understanding the plans and their compatibility is key. For example, two PPO plans can be used together, but an HMO plan won’t work in conjunction with any other dental insurance plan type. This knowledge empowers you to make an informed decision.

So, what’s the bottom line? It’s all about making an informed decision. By closely examining the cost of the plans, the benefits they offer, and any limitations they may have, you can be confident that you’re saving money on your dental care and not just shelling out extra cash on insurance. Your due diligence ensures that your dental insurance choices benefit your pearly whites and your wallet. So, before you dive into dual coverage, remember that knowledge is power, and your smile will thank you for it!

Maximizing Dental Insurance Benefits: Steps for Using Two Plans Effectively

When considering whether two dental insurance plans can be used together effectively, following specific steps to maximize your benefits is essential. Here are the key steps to take:

1. Review the details of each insurance plan, including coverage, limitations, and exclusions.

2. Contact both insurance providers to inquire about the coordination of benefits and how they work together.

3. Confirm which types of procedures and treatments are covered under both plans and how the coordination of benefits applies to each.

4. It’s essential to consult with your dental care provider. They can confirm if they accept both insurance plans and help you understand how billing will be handled when utilizing dual coverage. This step ensures that you’re making the most of your insurance and can feel confident in your decisions.

Navigating Dual Coverage and Billing Procedures with Your Dental Care Provider

It’s crucial to take a proactive approach when considering whether your dental care provider will accept both insurance plans and how billing will be handled when using dual coverage. By contacting your dental care provider, you can gain valuable insight into how they handle dual coverage and billing procedures.

Initiating a conversation with your dental care provider allows you to confirm whether they accept both insurance plans, which is essential for maximizing your benefits. Understanding their policies regarding dual coverage can give you peace of mind and confidence in utilizing your insurance to its fullest potential.

Furthermore, discussing billing procedures with your dental care provider is essential for avoiding confusion or unexpected expenses. Understanding how billing will be handled when using dual coverage ensures a smooth and transparent process, allowing you to make informed decisions about your dental care.

Remember, your dental care provider is a valuable resource in navigating the complexities of dual coverage and billing. Engaging in open communication with them empowers you to make the most of your insurance and ensures that you can approach your dental care with confidence and clarity.

Comprehensive Dental Insurance Plans Tailored to Your Needs

At ShareofCost.com, we pride ourselves on offering diverse dental insurance plans tailored to your needs. Our comprehensive range of plans ensures that you have access to coverage that perfectly aligns with your dental care requirements.

Having the right dental insurance plan is crucial for safeguarding your oral health. We understand that navigating the world of insurance can be overwhelming, so we are here to guide you every step of the way. Our dedicated team is committed to providing you with the information and support necessary to make an informed decision about your dental insurance needs.

Whether you’re seeking individual coverage or exploring options for your family, we have the perfect plan. We aim to empower you to take charge of your dental care by offering affordable and comprehensive insurance solutions. With our plans, you can know that your oral health is in good hands.

If you have any questions or want a free dental insurance quote, we invite you to contact our office at 310-534-3444. Our friendly and knowledgeable staff is ready to provide personalized assistance, answer any inquiries you may have, and guide you through selecting the ideal dental insurance plan for you and your loved ones.

Don’t miss out on the opportunity to secure the dental coverage you deserve. Contact us today to take the first step towards a brighter and healthier smile. Let us help you find the perfect dental insurance plan for your needs and budget. Your oral health is our priority, and we are here to ensure you have the coverage you need to maintain a confident and radiant smile.

Share of cost Medi-Cal is a program that assists low-income individuals and families in California who cannot afford the high medical care costs. It is typically used by beneficiaries in one of three ways:

• Catastrophic Coverage: Catastrophic coverage includes medical expenses for a major health event, such as an injury or accident. In such cases, beneficiaries may face high out-of-pocket costs that could drain their savings or lead to financial ruin. Share of cost Medi-Cal can help cover some of these costs and ensure that beneficiaries receive the care they need without facing financial hardship.
• Long-Term Care Coverage: Long-term care coverage includes support for nursing home care or in-home supportive services for individuals who require long-term care. Share of cost Medi-Cal can help cover the costs of such care, which can be prohibitively expensive for many families.
• Coverage for Costly Chronic Conditions: Coverage for expensive chronic conditions includes health care services for an illness that is costly and chronic enough to generate high monthly medical expenses. Share of cost Medi-Cal can help cover some of these costs, which can be a huge relief for families struggling to manage the financial burden of chronic illness.

 Overall, Share of Cost Medi-Cal is an important program providing critical support to California’s low-income individuals and families. It helps ensure everyone has access to the care they need, regardless of their financial situation.

Welcome! I’m here to provide you with valuable insights about the 250% Working Disabled Program. This program, a part of the Medi-Cal system, offers unique benefits. For instance, your disability income, including Social Security retirement benefits, is not considered when determining your eligibility. If you meet the criteria, you could receive Medi-Cal coverage for a small premium or even free.

Applying for the program is a breeze. You don’t need to submit a new application. Simply reach out to your county through various channels such as phone, online, in person, or in writing. It’s that easy!

There are two main requirements for eligibility in the Working Disabled Program:

1. Disability Requirement: You need to obtain certification that you are disabled according to the standards set by the Social Security Administration (SSA). If you haven’t received a disability determination yet, you can request one from your county or apply for Social Security Disability Income.

2. Flexible Work Requirement: You must work to participate in this program. There is no minimum number of hours or earnings required. You can work as little as one hour per month and engage in various types of work, such as recycling, pet care, coupon clipping, childcare, or tutoring. Providing proof of your work can be as simple as a note from the person you work for, showing how much they pay you per month. You are not required to provide formal paystubs or checks from a payroll company.

I hope this information is helpful to you. If you have any questions or need further assistance, feel free to ask!

Embracing Opportunities: The Flexible Work Requirement of the Working Disabled Program

The Working Disabled Program offers a unique opportunity for individuals with disabilities to gain access to Medi-Cal coverage while working. One critical requirement of the program is the Flexible Work Requirement, which allows participants to engage in various types of work without strict limitations on hours or earnings.

The beauty of the Flexible Work Requirement is that it recognizes the diverse abilities and circumstances of individuals with disabilities. Unlike traditional employment programs, this program acknowledges that work comes in many forms and can be tailored to suit each person’s capabilities and interests.

Participants in the Working Disabled Program can engage in a wide range of work activities, including but not limited to:

1. Recycling: Participating in recycling initiatives within your community can be a meaningful and environmentally friendly way to contribute while earning income.

2. Pet Care: Providing pet sitting, dog walking, or pet grooming services can be fulfilling and flexible to generate income.

3. Coupon Clipping: Utilizing your organizational skills to help others save money through coupon clipping and sharing can be a valuable service.

4. Childcare: Offering part-time childcare services for neighbors or friends can be a rewarding way to earn income while positively impacting families in your community.

5. Tutoring: Sharing your expertise in a particular subject by providing tutoring services to students can be a flexible and intellectually stimulating way to work.

These examples illustrate the diverse opportunities available under the Flexible Work Requirement. The program recognizes that work is not limited to traditional employment and empowers individuals to find meaningful ways to contribute to their communities while earning income.

By embracing the Flexible Work Requirement, individuals with disabilities can pursue work that aligns with their abilities and interests, leading to a sense of purpose, fulfillment, and financial independence.

If you or someone you know is eligible for the Working Disabled Program and is eager to explore the possibilities under the Flexible Work Requirement, don’t hesitate to take advantage of this valuable opportunity. Embrace the chance to work on your terms and find meaningful ways to contribute while enjoying the program’s benefits.

I hope this information encourages you to consider the diverse opportunities available under the Flexible Work Requirement in the Working Disabled Program. Please ask for assistance if you have any questions or need further guidance!

Exploring Opportunities: Working Disabled Program for Individuals Receiving Social Security Retirement Benefits

Absolutely! Individuals with disabilities already receiving Social Security retirement benefits can still apply for the Working Disabled Program. This program offers unique benefits and opportunities for individuals with disabilities, and receiving Social Security retirement benefits should not deter anyone from exploring its potential advantages.

One key aspect of the Working Disabled Program is that it does not consider disability income, including Social Security retirement benefits, when determining eligibility. Individuals receiving Social Security retirement benefits can still be eligible for the program and its valuable benefits, including potential access to Medi-Cal coverage for a small premium or even for free.

By applying for the program, individuals receiving Social Security retirement benefits can explore the possibility of enhancing their existing benefits and accessing additional support tailored to their needs. The program’s Flexible Work Requirement allows individuals to engage in various types of work without strict limitations on hours or earnings, providing an opportunity to supplement their income while continuing to receive Social Security retirement benefits.

Furthermore, participating in the Working Disabled Program can provide individuals with disabilities the chance to find meaningful ways to contribute to their communities, pursue work that aligns with their abilities and interests, and experience a sense of purpose and fulfillment. It’s an opportunity to embrace the chance to work on their terms and explore diverse work opportunities that recognize their unique circumstances and capabilities.

In summary, individuals with disabilities already receiving Social Security retirement benefits should not hesitate to consider applying for the Working Disabled Program. The program’s inclusive approach and valuable benefits make it an opportunity worth exploring and can potentially enhance the overall support and resources available to individuals with disabilities. If you or someone you know is in this situation, please take advantage of this program and its possibilities.

Extensive Selection of Dental and Vision Plans to Reduce Your Share of Cost

At ShareofCost.com, our mission is to provide you with an extensive selection of dental and vision plans designed to help you eliminate your share of cost and reduce your overall dental and vision care expenses. Our range of plans is crafted to assist you in meeting your spend-down requirement and achieving a zero share of cost while significantly lowering your dental and vision care expenses.

We understand the importance of finding the right dental and vision insurance to meet your needs and are here to help. Whether you have questions, need a free quote, or seek comprehensive dental and vision insurance, we encourage you to contact our office at 310-534-3444. Our dedicated team is ready to assist you in finding the perfect plan that suits your requirements and helps you save on dental and vision care.

Question: My wife and I have a one-year-old daughter. Our daughter has ten teeth, top and bottom. We have family dental insurance but have yet to take her to the dentist. When should we take our daughter to see a dentist? Do we wait until all her baby teeth come in? 

Answer: The American Dental Association (ADA) advises that babies should see a dentist by their first birthday or when they cut their first tooth, whichever comes first. Early dental care is important in order to maintain dental health. Since you already have dental insurance for your daughter, why not take her in as soon as possible since she has already cut more than just a few teeth?

Welcome to ShareofCost.com, your one-stop destination for comprehensive dental and vision plans tailored to your needs. Our wide array of offerings ensures you can find the perfect coverage to meet your requirements. Additionally, our extensive blog is a treasure trove of valuable information about share of cost and dental insurance, providing you with the knowledge you need to navigate the complexities of healthcare coverage. We are committed to equipping you with the resources and support necessary to make well-informed decisions.

Whether you are exploring options for dental or vision plans or seeking to understand your share of cost better, our team is dedicated to providing you with the support and guidance you need. Feel free to contact us at 310-534-3444 during our operating hours of 8 AM to 4 PM, Monday through Friday, and our friendly staff will be delighted to assist you with any inquiries, reassuring you that you’re not alone in this process.

Here is some important information about how extra health insurance premium costs can significantly lower your countable income and help you eliminate your share of cost. By purchasing additional health insurance, such as dental and vision plans or Medicare Part D prescription plans, you can effectively reduce your countable income, opening up new possibilities for your financial situation and healthcare coverage.

Moreover, if you aim to qualify for free Medi-Cal, here’s some hopeful news. You can purchase an extra insurance policy at a monthly cost that exceeds the limit. This proactive step could significantly impact your eligibility, opening up new possibilities for your healthcare coverage. To do this, you must provide proof of your extra insurance policy to the county, showing that you are paying more than the Medi-Cal limit for health insurance.

Additionally, you can still benefit if you have extra health insurance that you still need to report to the county. You can deduct those costs from your countable income by providing proof of your dental and vision plans or Medicare Part D prescription insurance premiums. This could lead to substantial savings and more significant financial assistance.

Before purchasing additional health insurance, it’s essential to consider the potential impact it may have on your eligibility for assistance programs. If you choose to pursue this option, you must provide the county with proof of the amount of your health insurance premiums. It’s advisable to consult with your county eligibility worker before making any decisions regarding additional health insurance. They can provide valuable guidance tailored to your specific circumstances, such as helping you understand the impact on your eligibility and the process of reporting your health insurance premiums to the county.

Remember that the amount of other health care premiums required may vary based on changes in household income or expenses and any adjustments in program costs. ‘Program costs’ refer to the costs associated with the assistance programs you are enrolled in, such as Medi-Cal. If there are any changes in these costs, it could affect the amount of health care premiums you need to pay. If you currently have or are eligible for Medicare, you can seek free one-on-one counseling from a registered health insurance counselor. They can assist you in exploring and understanding your options for extra health insurance plans.

For personalized assistance in finding extra health insurance plans and a comprehensive understanding of your choices, consider contacting the California Health Insurance Counseling & Advocacy Program (HICAP) at 1‐800‐434‐0222.  

By seeking guidance and exploring these options, you can make informed decisions about your health insurance coverage and maximize your eligibility for assistance programs. Purchasing extra health insurance can lower your countable income, eliminate your share of cost, and maximize your eligibility for assistance programs. I hope this information helps you maximize your health insurance options!

Proactive Documentation: Impacting Medi-Cal Eligibility with Extra Insurance Policy Proof

When it comes to potentially impacting your eligibility for free Medi-Cal by providing proof of your extra insurance policy to the county, it’s essential to be proactive and thorough in your approach. Providing proof involves demonstrating that you are paying more than the Medi-Cal limit for health insurance, thereby showcasing your financial commitment to secure additional health coverage.

One persuasive approach to providing this proof is to gather all relevant documentation related to your extra insurance policy. This may include copies of your insurance policy, premium payment receipts, and any correspondence from the insurance provider detailing the coverage and costs. By presenting a comprehensive and organized set of documents, you can effectively illustrate the extent of your health insurance coverage and the associated expenses.

Additionally, consider drafting a cover letter or statement outlining the reasons for obtaining the extra insurance policy and its financial impact on your overall healthcare expenses. This personalized narrative can provide valuable context to the county officials reviewing your proof, emphasizing the genuine need for additional coverage and its positive impact on your healthcare affordability.

Furthermore, it’s crucial to maintain open communication with the county eligibility workers throughout this process. Contact them to inquire about the specific documentation requirements and any additional steps necessary to validate your extra insurance policy. You can showcase your commitment to transparency and compliance with the eligibility guidelines by demonstrating your willingness to collaborate and provide the requested evidence.

In exploring this process, remember that persistence and attention to detail can significantly strengthen your case for impacting your eligibility for free Medi-Cal through the provision of proof of your extra insurance policy. By approaching this task with diligence and persuasive documentation, you can effectively convey the value of your additional health coverage and maximize your potential for favorable eligibility outcomes.

Maximizing Your Health Insurance Options: Securing Extra Coverage and Maximizing Eligibility for Assistance Programs

In conclusion, taking proactive steps to secure extra health insurance impacts your eligibility for assistance programs like Medi-Cal and provides you with enhanced financial security and comprehensive healthcare coverage. By exploring your options and seeking guidance from relevant organizations such as the California Health Insurance Counseling & Advocacy Program (HICAP), you can make informed decisions and maximize your potential for assistance.

Remember, thorough documentation and clear communication with the county regarding your extra insurance policy are crucial to showcasing your financial commitment and eligibility for additional coverage. By providing comprehensive proof and seeking assistance when needed, you can eliminate your share of cost and maximize your access to healthcare resources.

I encourage you to actively understand and explore these options, as they can significantly impact your financial situation and healthcare coverage. Your proactive approach to securing extra health insurance can lead to substantial savings and increased eligibility for assistance programs. Thank you for considering these important aspects, and I wish you success in maximizing your health insurance options.

Question: I am self-employed and do not have dental insurance currently. Is buying a family dental plan worth it? I have two teeth that are starting to bother me, and I would like to see a dentist. My wife and son are okay, but I want them to get a dental checkup. The few dental discount plans I have reviewed do not seem to save you money when a crown can still cost up to $300–$400, which does not seem like a significant saving. I have also looked at a few dental insurance plans, but with their much higher waiting periods and costs, they do not seem like I would be saving anything by buying them. So, what should I be looking for to help me with my dental cost? 

Dental Plans: Braking Down Cost Savings

Answer: On average, crowns can run $500-$800 without insurance. Based on what you stated, the discount plans save you between $100-$400 on a crown based on your post. Dental discount plans run between $7.95 and $9.95 monthly for an individual. Savings are good when taking into account the cost of the plan. Call a few dentists for crown rates without insurance to compare if the savings are truly there for you. 

Depending on your state, we may have dental HMO insurance plans. Our HMO insurance plans do not have waiting periods for their dental services to be covered and will typically have lower costs for their covered services than the dental plans do. You may want to compare these plans as well. Due to the waiting periods, our Dental PPO and Indemnity plans may not be the best way for you to go. In this case, the waiting period for crowns can be up to a year or more.

You can contact our member service line at 310-534-3444, where 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.

Question: I have an almost two-year-old child looking to buy dental insurance. I am not sure I want to keep the dental insurance plan. I may wish to do something short-term to get my child’s teeth checked out.  

Reply: Choosing a plan that provides adequate coverage for pediatric dentists is essential. PPO plans are typically a good choice for families with children. PPO plans offer a broader range of in-network providers and often benefit outside-network providers. This can be particularly helpful if you’re looking for a specific pediatric dentist outside your plan’s network.

However, it’s important to note that PPO plans are not intended for short-term use. They usually have waiting periods, meaning you’ll need to have the plan for a certain amount of time before certain benefits become available. For example, you may need to have the plan for six months before getting coverage for a basic dental procedure.

If you’re only looking to get your child’s teeth checked out in the short term, consider paying out of pocket or a dental discount instead of buying a PPO plan. These options can be more affordable and may be a better fit for your needs.

When shopping for dental insurance, it’s essential to read the plan terms and conditions carefully to make sure you’re choosing the best plan for your family’s needs. Look for a plan that provides coverage for pediatric dentists, has a reasonable waiting period, and fits within your budget.

Are you or a loved one struggling to afford healthcare due to the asset limit requirement for Medi-Cal in California? The good news is that ShareofCost.com, a trusted resource for healthcare information and assistance, is here to help. With the recent elimination of any asset limit for enrollees, Medi-Cal will now consider only applicants’ income when assessing financial eligibility for benefits. This move is a significant step toward achieving health equity for Californians who are elderly or have disabilities. If you have any questions, please visit our website, ShareofCost.com, or call us at 310-534-3444. We offer dental insurance that helps to zero out your share of cost so you can get the care you need without worrying about financial insecurity.

Importance of Dental Insurance for Affordable Healthcare in California

Purchasing dental insurance can be a wise financial decision for those struggling to afford healthcare due to the asset limit requirement for Medi-Cal in California. By purchasing dental insurance, you can significantly reduce out-of-pocket costs and eliminate your medical share of cost. This empowers you to take control of your healthcare expenses and plan your budget more effectively.

With ShareofCost.com, for instance, their comprehensive dental insurance covers a wide range of services, including cleanings, fillings, and major procedures. This insurance helps zero out your share of cost, so you can get the care you need without worrying about financial insecurity. This means that you won’t have to pay anything out of pocket when you need dental care.

Not only can dental insurance help you save money on dental care, but it can also help you maintain good oral health, which is essential to your overall health. Regular dental cleanings and checkups can prevent more serious dental problems from developing, which can be costly to treat. This knowledge empowers you to prioritize your oral health and understand its long-term benefits.

In addition, having dental insurance can give you peace of mind, knowing you can access affordable dental care when needed. You won’t have to worry about how you’ll pay for dental care if you experience a dental emergency or need a major dental procedure.

Overall, purchasing dental insurance can be a wise financial decision for those struggling to afford healthcare due to the asset limit requirement for Medi-Cal in California. It’s important to note that dental insurance is often more affordable than paying for dental care out of pocket. It can help reduce your out-of-pocket costs, eliminate your medical share of cost, and give you peace of mind knowing that you can access affordable dental care when needed.

Medi-Cal Now Considers Income, Not Assets, of Enrollees

Maria had been actively involved in volunteer work at her local church for many years. When one of her acquaintances passed away several years ago, Maria inherited $80,000 unexpectedly. At that time, Maria faced significant expenses, including vehicle repairs, and the legacy provided her with much-needed financial relief.

However, Maria later discovered that her inheritance would disqualify her from participating in Medi-Cal, California’s Medicaid program for low-income people. At that time, anyone with over $2,000 in qualified assets, including cash savings, was ineligible for Medi-Cal.

“We had to scurry around to see how we could make health care affordable for my mom,” said her daughter, Tatiana Fassieux, an education and training specialist with California Health Advocates.

Now, after years of planning and implementation by state officials, people like Maria are no longer faced with the financial and health insecurity created by the asset test. On January 1, 2024, Medi-Cal eliminated any asset limit for enrollees. This means that your savings, investments, and other assets will no longer be considered when determining your eligibility for Medi-Cal. Instead, only your income will be assessed. This significant change can greatly benefit those with low incomes and some financial assets.

The asset test, which originally applied to everyone in Medi-Cal, has undergone significant changes over the years. In the 1980s, the state removed the requirement for pregnant women, infants, and children. When the Affordable Care Act took effect in 2014, the asset test was no longer applied to adults under 65 without disabilities. That left only older people, people with disabilities, and those living in long-term care facilities as the remaining applicants still affected by the asset limit. This context is important to understand the significance of the recent elimination of the asset limit for these groups.

Governor Gavin Newsom signed Assembly Bill 133 into law in 2021, starting a two-phase process to eliminate the asset test. Phase I began in 2022 by raising the individual asset limit from $2,000 to $130,000. In the first 18 months, more than 12,000 individuals became newly eligible due to the Phase I changes in policy.

Phase II of implementation began in January 2024, when Medi-Cal eliminated asset limits entirely, making California the first state in the nation to do so. This change is particularly beneficial for people who seek long-term care services through Medi-Cal because of age or disability. They will no longer be penalized for having savings, which will give them and their families greater financial security. While officials have yet to release updated numbers from the Phase II changes, the state estimates that 30,000 Californians with low incomes are newly eligible to enroll. This change is a significant step toward achieving health equity for older Californians and state residents with disabilities.

According to Griselda Melgoza, a spokesperson for the California Department of Health Care Services (DHCS), the motivations for the change were simple – to offer people enrolled in Medi-Cal a better opportunity to achieve financial stability and to create a more equitable system for older Californians and state residents with disabilities.

While advocates agree that the policy change has many upsides, they also raise valid concerns. The new asset test policy, while beneficial in many ways, raises questions about how Medi-Cal can continue improving access, advancing equity, and treating patients with dignity. This perspective is important to consider when evaluating the impact of the policy change.

One of the most immediate benefits to consumers is that people with low incomes and some financial assets will no longer be forced to drain their savings to qualify for services like skilled nursing and long-term care. The practice of “spending down” one’s assets to be eligible for Medi-Cal severely affected individuals and their families.

Tiffany Huyenh-Cho, JD, director of California Medicare and Medicaid advocacy at Justice in Aging, which fights poverty among older people, said, “People were being forced to impoverish themselves and risk their financial future to access Medi-Cal benefits.” When the asset limit was in place, her colleagues would try to educate clients on ways to spend down responsibly, usually by prepaying anticipated expenses, like rent. Still, the result was that individuals had fewer dollars available for emergencies.

Advocates say the elimination of the asset test is a significant step toward achieving health equity for Californians who are elderly or have disabilities. The policy change has many immediate benefits, such as allowing people with low incomes and some financial assets to no longer be forced to drain their savings to qualify for services like skilled nursing and long-term care. This practice of ‘spending down’ one’s assets to be eligible for Medi-Cal severely affected individuals and their families. The elimination of the asset test provides these individuals and their families with greater financial security and peace of mind.

Source: California Health Care Foundation

Affordable Healthcare in California: Elimination of Asset Limit for Medi-Cal Enrollees and How ShareofCost.com Can Help You

In conclusion, eliminating the asset limit for Medi-Cal enrollees in California is a significant improvement toward achieving health equity for Californians who are elderly or have disabilities. This change enables them to access affordable healthcare without worrying about financial insecurity and empowers them to prioritize their health and well-being.

If you are struggling to afford healthcare due to the asset limit requirement for Medi-Cal, ShareofCost.com is here to help. Our trusted resource offers dental insurance to help you save money on dental care and eliminate your share of cost. By purchasing dental insurance, you can significantly reduce out-of-pocket costs, plan your budget more effectively, and maintain good oral health, essential to your overall health.

Visit our website, ShareofCost.com, or call our office at 310-534-3444 for a free dental insurance quote or any questions. Our team of experts is always ready to assist you with your healthcare needs and provide the information you need to make an informed decision.

Remember, oral health is essential to overall health, and we are here to help make it more affordable. Don’t let financial insecurity keep you from accessing the healthcare you need. Contact us today to learn more about our dental insurance plans and how we can help you achieve affordable healthcare in California.

Question: I had to pay a few medical bills to a healthcare provider who does not accept Medi-Cal. Do those payments count towards meeting my Share of Cost? If so, how do I show the expense?

Answer: If you paid medical bills to a non-Medi-Cal provider, those payments count towards your Share of Cost. However, you must provide proof of payment to your Eligibility Worker. Such expenses can also apply to medical-related services that Medi-Cal does not cover. It’s essential to remember that personal care services paid to an independent provider must be prescribed by a licensed physician and included in a plan of care to qualify as a personal care expense. Providing the necessary proof of payment and documentation ensures that your medical bills adequately apply to your Share of Cost.

Understanding the network of providers is crucial when selecting a PPO plan. It can greatly affect the coverage provided under the plan. While PPO plans offer greater flexibility than HMO plans, they also come with higher premiums and deductibles. Therefore, getting the best value out of your PPO plan is essential, and using the plan network of providers is an excellent way to do that.

The network of providers consists of healthcare providers who offer services to the PPO plan’s members at a discounted rate. When you use an in-network provider, you will have to pay lower out-of-pocket costs and receive more significant benefits than an out-of-network provider. Most PPO plans benefit outside-network dentists, but they may reduce coverage for non-provider use.

As An Example

Let’s say you need preventive dental care and use a dentist within the plan network of providers. The plan may pay 100% of the cost. However, if you choose a dentist who is not in the plan network of providers, the plan may only pay 80% of the cost. This means you must pay the remaining 20% out of your pocket.

Furthermore, even if the PPO plan you are considering does not reduce its benefits for out-of-network dental providers, you still risk having a greater chance of UCR(Usual, Customary, and Reasonable) fees. This is because inside-network providers have mostly agreed to reduce their costs to stay within the plan, whereas UCR rates and non-providers have made no such concession.

To summarize, using the network of providers is crucial in getting the best value out of your PPO plan. It can help you save money on out-of-pocket costs and receive more significant benefits. Therefore, it is essential to understand how the network of providers works and choose providers within the network whenever possible.