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Maryland Health Insurance in 2018 – United Healthcare PPO

If you live in Maryland you will be happy to know that New Health Insurance Plans are available for 2018. United Healthcare is now offering Private Health Insurance Policies. Prices on these policies are 40% less than the Obamacare plans, and the plans are PPO coverage so you can choose your doctor and hospital.

United Healthcare Plans for Maryland, Not Obamacare

United Healthcare has moved forward to its own solution to the US healthcare crisis. Here are some key points:

Medicare and Dental Insurance Plans for Seniors

Medicare and DentalOnce a year Medicare beneficiaries can enroll into or change their Medicare Advantage Plan. This year’s Annual Enrollment Period runs from October 15 to December 7. This is also the best time to also check on dental insurance.

Medicare will not cover most dental needs. For example Medicare does not cover dental procedures, or supplies, like cleanings, fillings, tooth extractions, dentures, dental plates, or other dental devices.  The exception would be reconstruction of the jaw following accidental injury that severely damaged the individual.

Some Medicare Advantage plans do have a limited dental benefit, however this is not the comprehensive coverage a person is used to from when they may have had employer group benefits. What is more concerning is Medicare recipients are more in need of dental coverage than any other segment of the population. The average person over 65 years old or older spends $1,154.00 a year on dental care.

If you have Medicare Supplement insurance, then you also do not have dental coverage.

Many seniors are now purchasing an individual dental plan to get comprehensive coverage on services such as root canals, dentures, crowns, bridgework, and dental implants. Here are some standard listings of what most dental policies cover.

  • No waiting periods on most preventive and basic services
  • Fixed pricing, regardless of age
  • No deductible for preventative services
  • Coverage for major services, including crowns, bridges, root canals, dentures and implants
  • PPO dental plans with nationwide dental networks

Be sure to check on Senior Dental Insurance today.

Mutual of Omaha Dental and Vision Insurance

Mutual of Omaha Dental InsuranceAfter providing Medicare Supplement coverage to over 1 million Americans, Mutual of Omaha will soon be offering dental and vision insurance. Most people are very familiar with Mutual of Omaha from their diverse portfolio of life insurance, long term care, and of course medicare supplement products.

Come October 2017 Mutual will be offering two competitively priced dental options. This will be a nice option for individuals and families along with Medicare recipients. The goal is one stop shopping for medicare supplement, dental, and vision.

Keep reading to learn more about these two exciting products.

Mutual Dental Preferred Insurance Policy

The highest level of coverage offered is the Mutual Dental Preferred Policy. This insurance policy pays as follows:

  • Deductible: $0 per year for preventive services / $50 per year for basic and major services
  • Preventive services: Two Cleanings per year / Bite-wing X-rays – 100% Covered, Insured Pays Nothing
  • Basic Services: Fillings, Extractions, Emergency Treatment, 80% Insured Pays 20%
  • Major Services: After a 12-month waiting period, Crowns, Dentures, Bridges, Root Canals, Periodontics, Full-mouth X-ray, Oral Surgery / 50% Insured pays 50% (Dental Implants, see below)

Calendar Year Benefit: $1,500. This is the maximum amount the policy pays each calendar year for all covered services.

Dental Implants. Lifetime Maximum Benefit for implants is $3,000 This is the maximum amount the policy pays for dental implants.

Read the Dental Insurance Overview.

Mutual Dental Protection Insurance Policy

The lesser level of coverage offered is the Mutual Dental Protection Policy. This insurance policy pays as follows:

  • Deductible: $100 per year for all services
  • Preventive services: Two Cleanings per year / Bite-wing X-rays – 100% Covered, Insured Pays Nothing
  • Basic Services: Fillings, Extractions, Emergency Treatment, 50% Insured Pays 50%
  • Major Services: After a 12-month waiting period, Crowns, Dentures, Bridges, Root Canals, Periodontics, Full-mouth X-ray, Oral Surgery / 50% Insured pays 50% (Dental Implants, see below)

Calendar Year Benefit: $1,000. This is the maximum amount the policy pays each calendar year for all covered services.

Dental Implants. Lifetime Maximum Benefit for implants is $2,000 This is the maximum amount the policy pays for dental implants.

Get a Dental and Vision Insurance Quote.

Mutual Vision Benefit

The Mutual Vision Benefit can be included in either dental policy. It is an additional rider that will have an additional premium.

  • Provides a reimbursement benefit
  • Pays up to $50 every calendar year for one eye exam (no waiting period)
  • Pays up to $150 every two calendar years for eyeglasses or contact lenses (after a six-month waiting period)

Medicare and Dental Insurance Coverage

Mutual Dental insurance policies are designed to help pay for the dental services American’s need and to give members the confidence of knowing what their out-of-pocket costs will be. Medicare doesn’t cover dental services. That means costs for things like routine cleanings, fillings, root canals, bridges and dentures come out of pocket. With Medicare recipients living longer, it is very important to have proper dental hygiene and to keep on top of preventative dental care.

Learn more about Mutual Of Omaha.

Dental and Vision Insurance by Central United Life Insurance Company

Central United Life Insurance CompanyDental insurance is something that can help reduce overall dental expenses. Dental procedures can be quite costly. Therefore, dental insurance through Central United Life Insurance Company can help pay for general dental visits as well as necessary dental procedures. Central United Life Insurance company (CUL) is part of the Manhattan Life Group which has been doing business since 1850.

This is a private policy for individual or families.

KEY POINT: Central United Life Insurance allows YOU to choose your own dentist. There are no dental networks that assign a particular dentist to the policy holder. In addition, the dental insurance plans offer special family rates which are great savings when it comes to children.

Get a Quote on this Product.

As an added bonus, ALL the policies include Vision and Hearing coverage as well.

Central United Life Dental Insurance Benefits at a Glance

Each year CUL offers policy holders a benefit amount of $1,000 or $1,500. The person gets to choose their own plan benefit amount. The available limits can be used for dental, vision, or hearing benefits. This coverage is very nice because some clients who prefer expensive eye-wear and vision services are covered up to the policy limit through this plan. Some clients buy this policy only to use on dental, while other buy it only for vision, and some buy it mostly for hearing coverage. However, the choice is yours. You can use your policy benefits however you best feel fit.

Preventative Dental Services

There is absolutely no waiting period for preventative dental services. Therefore, services that are completely covered include the following:

Dental Insurance Coverage

  • Patient X-rays
  • Dental Cleanings – 2 per a year
  • Exams – 2 per a year

Preventative Dental Coverage Levels

  • Year One, Up to 60%
  • Year Two, Up to 70%
  • Year Three, Up to 80%

Basic Dental Services

Members are happy to know that their is no waiting periods on basic dental services. This is excellent news for people who may need some basic work completed sooner than later. Basic dental services include:

  • Fillings
  • Simple Extractions
  • Additional x-rays

Basic Dental Coverage Levels

  • Year One, Up to 60%
  • Year Two, Up to 70%
  • Year Three, Up to 80%

Example, you have tooth pain and you need 2 fillings replace right away. The dentist charges you $400 for the filling. The CUL plan will cover 60%. So right away your plan pays $240 toward your fillings.

To check rates and learn more, get an online quote and compare plan options.

Major Dental Services

Major dental services can get very expensive. For this reason it is common for many policies to have a waiting period of up to 12 months for major dental procedures. Major dental procedures that require a waiting period according to the policy include:

  • Crowns
  • Root Canals
  • Bridges
  • Dentures / Full Mouth and Partial

Major Dental Coverage Levels

  • Year One, Not Covered
  • Year Two, Up to 70%
  • Year Three, Up to 80%

Example, Year three your dentist charges a costly $1200 for a crown. Your dental insurance would cover 80%. That means $960 would be paid by the insurance company.

Hot Tip, If you are in need of dental implants visit. GPM Dental Insurance.

Central United Life Vision Insurance Coverage

Vision services are available after you have owned your policy for six months. For example, there is a six month waiting period for an eye exam, glasses, or contact lenses. You can choose your very own Optometrist. There is no network of eye specialists that you are required to choose from.

Vision Insurance CoverageThis plan allow full policy limit on vision services. Members who utilize expensive doctors or members who prefer expensive frames or lenses truly love this plan. It is one of the few plans that allows up to $1,500 in vision coverage.

Once benefits take effect the company will pay the following according to plan guidelines:

  • Up to 60% of all charges related to vision benefits for usage from after 6 months to 1 year
  • Up to 70% second year
  • Up to 80% after second year of coverage

For example a $500 frame would be covered at 80% after the second year. So the policy would cover $400 of the $500 charge.

Learn more, through the Central United Life Dental, Vision, and Hearing Brochure

Hearing Coverage through Central United Life Insurance Company

Hearing coverage is another added benefit to this plan. While many people do not have any concerns with hearing, this benefit can be very valuable to other members. A 12 month waiting period is required for anyone in need of new hearing aids or in need of repairs.

Keep in mind a 12 month waiting period does apply to anyone who may need hearing aid repairs or adjustments.

Hearing CoverageHearing Benefit Levels

  • Year One, Not Covered
  • Year Two, Up to 70%
  • Year Three, Up to 80%

Other Information Regarding Central United Life Insurance Company

The issuer of this dental, vision, hearing policy makes sure all benefits and claims are paid quickly. In addition, other plan benefits include:

  • Coverage for Ages 18-85
  • Immediate & Guaranteed Coverage
  • Cancel Anytime

All coverage, as well as claims information can be easily managed online. Also, new and replacement cards can be printed directly from the company web site. If any changes or adjustments are made to existing coverage benefits, the changes will be updated within 24 hours. Information such as this can also be accessed on line.

Affordable & Valuable Coverage:

It is extremely important to have dental, hearing and eye coverage especially if an emergency situation arises. It is important to keep in mind that Medicare Plans do not cover dental, vision or hearing expenses. Therefore, it is critical that you have affordable coverage to help pay for expenses related to dental, vision as well as hearing expenses.

All charges for monthly premiums are broken down according to age. All rates are based on the $1,000-$1,500 policy maximum. Coverage can be obtained for as little as $25 per month. If for some reason you are not satisfied with your new coverage, the company will cancel the coverage and refund your money within first 30 days.

Coverage of this nature is critically important for the health and well being of you and your family. Therefore, if you are in need of dental, hearing and vision coverage this is an opportunity to take advantage of this very valuable and very necessary coverage. Your health and the health of your loved ones is a valuable asset.

Get an online quote and compare plan options.

GPM Dental Insurance Plans With No Waiting Periods

GPM DENTAL INSURANCE PlansGPM Life and Health Insurance Company is somewhat of an unsung hero in the insurance industry. An acronym for “Government Personnel Mutual” (Life Insurance), this company has well over 80 years of experience insuring individuals and families of all types. Offering two unique plans that save you money, and having the benefit of being part of the huge Ameritas network of providers, every individual and family benefits with GPM’s 2,500 dental plans.

For those wishing to use an in-network provider, the GPM dental insurance 2500 plan will give you low deductibles, no waiting period(s), and access to the huge Ameritas network of dental services providers. The generous $2,500 annual plan maximum gives you peace of mind that no matter what your family’s dental needs, you’ll have quick and easy access to services at an affordable price. The low calendar year deductible of just $25 for up to a maximum of three charges per family also helps keep costs down. There’s never any enrollment fee(s) and you can enjoy the savings from the first day. Coverage amounts also increase on basic services each year you and your family are enrolled, allowing you to enjoy additional savings. Both the network and out of network offerings give you substantial savings on your dental costs such as:

  • 100% coverage for preventative services such as cleanings, exams and x-rays
  • Up to 80% coverage for basic services such as fillings and extractions
  • Up to 50% coverage for major procedures such as bridges, crowns and implants

You’ll be happy to know that GPM dental insurance plans cover exams and preventative services are always covered at 100%, so you’ll never have to put off getting to the dentist. After the first year, basic services coverage increases 15% per year up to the maximum of 80% in the second (and subsequent) year(s). Major services are covered at up to 50% after the first (and subsequent) year(s).

As previously mentioned there are two plans available under the GPM 2,500 umbrella. The GPM 2,500 Network plan is for those who are using or would like to use an in-network dentist that participates in the Ameritas dental network of providers. The network has over 400,000 location choices and 100,000 providers. The Ameritas dental network offers discounted prices, which typically average 30% less than the average for the area.

For members who prefer to have the flexibility of using any dentist, in or out of network, would benefit the most from the GPM 2,500 plan. Additional savings can be achieved for members who choose to stay in network.

Whichever plan is perfect for you and your family, you’ll be happy knowing that the signature personalized customer service offered by GPM Life and Health Insurance Company is certain to please. Also offering life insurance, annuities, final expense and Medicare Supplement plans, they have the right coverage for any family. With over 80 years experience in the business and makes the marks with an A- (Excellent) rating from A.M. Best Company, you’ll be happy knowing that you have an industry expert on your side.

As always, refer to the plan details of your policy or your insurance agent regarding specific details of the plan. Contact your insurance agent to get you and your family started with this great and flexible coverage today!

Senior Dental Quotes

Dental and Vision Insurance QuotesThe form below is the first step to reviewing all the senior dental insurance plans available in your area. This website works with dozens of dental insurance policies. The best dental insurance policy depends on your exact needs.

Hot Tip: Insurance companies make less money from seniors than any other age group. Seniors have a high rate of plan usage.

Begin My Senior Dental Insurance Quote

First Name (required)

Last Name (required)

Gender (required)
MF

Date of Birth (required)

 

 

 

State

Zip (required)

Insurance Type (check all that apply)
HealthLifeShort TermGroupDental/VisionMedicare

Email (required)

Phone (required)

Once you submit for your senior dental quote, you will learn about many options that are available. Below are just a few images of some of the most popular dental insurance brands. Our website works with 22 different dental insurance companies and over 50 different plans.

 

How long until I can use my Dental Insurance?

Preventive dental coverage such as cleanings are always available to use instantly. This means on your policy effective date you are allowed see the dentist, get cleanings, x-rays, and exams.

Some Basic and Major dental procedures may have waiting periods associated with the treatments. However, we work with many companies that offer coverage instantly on basic and major dental work. Learn more about this on our dental insurance page.

 

What is the Best Senior Dental Insurance Plan?

Dental and Vision PlansOur licenses staff handles over 100,000 calls per a year. The only thing we absolutely know 100% for certain is that the best plan depends on what the client needs. QuoteFinder.Org is a site that focuses 100% on the needs of the client. Many times we speak with a husband and wife whose needs are so different, that we enroll them on different dental policies. As an independent insurance agency that is U.S. owned and operated (we never outsource), we earn modest incomes selling affordable consumer driven dental insurance policies, but we understand that each senior needs to be lined up with the best dental insurance policy to meet their unique needs. Many of our policies are only $17 to $40 a month.

If you are reading this exact web page, then it probably means you have dug through the internet and have not found the product that fits your budget and meets your needs. That is the exact client we are looking for. It takes 14 months for our QuoteFinder.Org to train a new agent because the dental insurance world is extremely large. We take pride in helping you on your search.

For every good dental product being sold, the internet has 65 bad products. Our licensed staff can keep you away from the bad products and guide you in the right direction. Approximately 50% of the people we speak with enroll in a plan with us. We have an excellent chance of meeting your senior dental insurance needs.

Ameritas Dental Insurance Plans

Ameritas Dental and Vision InsuranceAmeritas offers affordable dental and vision insurance plans for individuals and families. Ameritas plans have several options available so the insured can tailor them for a perfect fit. There are two different dental plans under the Advantage Plus umbrella. The PrimeStar vision plans offer different levels of coverage under either VSP or EyeMed, the two top providers of vision plans in the US. Listed below will be details of the coverage Ameritas offers. Plan benefits can vary slightly from state to state.

Save Money with the Ameritas PPO Dental Insurance Plan

The Advantage Plus II plan allows you to utilize an Ameritas Dental Network dentist for additional savings. This plan provides graduated coverage, so the percentage paid by the insurer increases each year. You are able to select this plan either with or without orthodontic coverage for those up to age 19. In general, the Ameritas Dental Network also provides the following benefits:

  • Discounted fees of up to 30%
  • Immediate in-network discounts
  • One of the largest dental networks nationwide

The Advantage II Plus Network plan specifically offers the following benefits:

  • 100% Preventative Care
  • A minimum of 35% and up to 80% of basic services
  • A minimum of 15% and up to 50% on major services
  • A minimum of 15% and up to 50% on Orthodontics (optional)

Preventative services include two exams, cleanings and x-rays per year and fluoride and sealant treatment for patients under 16 years old. The annual calendar year deductible for all services is only $50, and orthodontic coverage has a lifetime maximum of $1,000.

Get a Quote to see the rates on Ameritas Dental Insurance.

Basic services include fillings and simple extractions and major services include many different services as listed below:

  • Implants
  • Oral Surgery
  • Endodontics
  • Periodontics
  • Crowns
  • Bridges
  • Dentures
  • Panoramic x-rays

Choose ANY Dentist with Ameritas Advantage II Plus Plan

The Advantage II Plus plan offers the same level of coverage listed above and also allows patients to choose ANY DENTIST, however, additional savings apply when using an in-network provider.

Not all dentists are listed in a PPO network, so if your dentist does not accept insurance, it does NOT mean you can’t use insurance. The Ameritas Advantage II PLUS plan offers enhanced benefits, so you can still submit dental claims to Ameritas. Many dentists who do not accept PPO dental insurance will even help you turn in a claim to Ameritas. After all the the dentist does want your business!

VSP Vision Insurance through Ameritas

Vision plans are also available. PrimeStar Select Vision offers benefits through any EyeMed Access provider. The plan has no waiting periods and offers a vision exam once per year. Co-pays apply for in-network coverage and out of network providers are given allowance amounts. Lens enhancements are also available in-network with an additional co-pay ranging from $15 to $65 and enhancements outside the standard scope are offered at a discounted rate. The plan also provides additional discounts after the plan amounts have been exhausted, and the balance of any uncovered charges such as designer frames. Discounts are also available for Lasik procedure(s). The standard benefits are as follows:

  • Contact Lenses
  • Frames
  • Single vision, bifocal, and trifocal lenses
  • Lenticular lenses

PrimeStar Choice Vision is designed for use in the VSP Vision Care Provider network. In-network services require a copay and out of network coverage is also provided with an allowance. Most lens enhancements are not given an allowance, with the exception of standard progressive lenses. The plan also provides additional discounts for items that exceed the coverage amounts and an additional $25 discount on selected frames. Discounts are also available for elective procedure(s) such as Lasik vision correction. The benefits are as follows:

  • Frames
  • Lenses
  • Contact Lenses
  • Single, Bifocal and Trifocal lenses
  • Lenticular lenses

Lens enhancements can be purchased with additional co-pays ranging from $16 to $50, and other enhancements outside the typical coverage level are available at a discount.

Please note that coverage(s) and amount(s) may vary based on location and the exact level of coverage(s) selected. Ameritas will gladly provide a quote from an expert based on location and the level of coverage(s) required. Having great insurance doesn’t have to be a complicated task, Ameritas experts are able to be reached by telephone, live chat or e-mail. Check on Ameritas Dental and Vision Quotes!

What is the Best Dental Insurance Plan For Me

Dental and Vision PlansWhile there is not a Best dental insurance policy, their certainly is a Best dental insurance policy for YOU! Our office as spoken to tens of thousands of dental shoppers and with no doubt some plans will work better for you and your family than others. Plans differ primarily in how much you’ll have to pay monthly for your coverage and how much you’ll have to pay when dental services are performed. Most policies require that you pay a co-pay for basic or major services, or meet a specific deductible before the dental insurance begins payment. Other policies limit coverage to a specific dollar amount maximum per year.

However, the main place to start is with your dentist. To be honest most dentists are not even 100% certain of which policies they take and they do not take. This is because a company like Aetna, Anthem, Cigna, and United Healthcare have dozens of different PPO networks. For that simple reason, we strong recommend you work with our office, so we can see which policies your dentist prefers. We do this by checking with numerous insurance companies. As a consumer this access is not readily available to you, so we do the legwork on our end.

When shopping dental insurance, here are questions to ask yourself:

  • How much can I afford or would like to spend on monthly basis?
  • How much is the deductible?
  • Once the deductible is met, how much will the policy pay for my services?
  • What dentists participate in the plan’s PPO network?
  • Are these dentists that my family and I would like to see?
  • Am I willing to change my dentist if it means saving money?
  • If I used a dentist outside the plan’s network, how much will I have to pay?
  • Are some plans better than others of out of network?
  • Are there waiting periods for certain procedures? How long can I wait?

Rather than trying to figure all this out on your own, it is advised to simply get a quote with us and we can help you narrow down your options.

Anthem Blue Cross Blue Shield Dental Insurance Can Help You

Anthem Blue CrossDental health is a vital part of your overall health care. So much so that symptoms of nine out of ten diseases show up first in your mouth, which acts as an early warning sign of general health problems. That is why it is so essential that you have regular dental checkups.
Because your dental health is such an essential part of overall health care, it follows that you should have adequate dental health insurance.
It follows, too, that you should choose Anthem Blue Cross Blue Shield dental insurance.

Here’s why Dental Insurance is purchased through Anthem.

Full preventive coverage is available through Anthem

Many of our plans cover you fully for X-rays, examinations and teeth cleaning. You need not be concerned about additional costs or be hesitant about having your teeth checked regularly. All those expenses are fully covered, providing you with peace of mind from the first day of coverage.

Multiple Dental Plan Choices

You can choose to obtain a dental plan that is part of your overall health care plan or you can obtain a dental plan that is separate from a comprehensive plan. You might find that a separate plan is advantageous to your needs as it offers more choices and more benefits. Your decision depends to a great degree on how you apply for coverage and how you are billed.
Among your choices for a dental health plan are:

  • Anthem Dental Family Value
  • Anthem Dental Family
  • Anthem Dental Family Enhanced
  • Dental Smart Access
  • Added discounts available on all services

Get a Quote On Anthem Dental Insurance now.

Anthem has one of the most extensive preferred provider organizations (PPO) networks in the nation. Although you are permitted to see any dentist under our plans, choosing a dentist from our network provides you with many benefits. Among those benefits is that we are able to obtain deep discounts for you that range from 25 percent to 32 percent.
Because we have negotiated these rates with our network doctors, they cannot charge you more than these rates. If you choose a network dentist, you pay that dentist your deductible and the percentage that your insurance does not cover. As a result, you save on paperwork because the dentist sends your claims to us directly and we pay the dentist directly.
If you choose a non-network dentist, however, you pay the dentist your deductible, the percentage not covered by your insurance, and the difference between what the dentist charges you and the full amount that we permit to be paid for a dental service. You or your dentist may submit your claims to us and we pay you or your dentist for covered costs.
Because non-network dentists do not have contracts with us, they are able to charge you the difference between the amount we permit for a service and the amount they normally charge, in addition to your coinsurance or deductible. The result is that you pay higher amounts for services from non-network dentists.

Online Dental tools to assist you further

Our services to you go beyond seeing a dentist. We offer you an advice service that you can access via the Internet. Once you are a member, you can log on to anthem.com to access these tools. Click Here to enroll in Anthem Dental.
Here are three of our great online tools that will enable you to gain a better hold on your dental health.
– Ask a Hygienist
You can email your questions to licensed dental professionals who will provide you with fast, personal and private advice at no extra charge.
– Dental Cost Estimator
This tool enables you to obtain estimated costs for your dental work in your area. You simply enter the ZIP code of the area in which you obtain your dental care.
– Dental Health Assessment
In this tool, we ask you a few questions. Based on your responses, we provide you with information that will advise you on action that you should take in order to maintain proper dental health.

Health care reform and pediatric benefits

Under the Affordable Care Act (ACA), all Americans are required to carry a minimum amount of health insurance. Among these requirements are a list of 10 health benefits that health insurance carriers must cover. One of those 10 benefits is pediatric services.
In some states, these services must be included in ACA-compliant plans sold on the Marketplace (also called the Exchange). In other states, however, the benefits can be offered in medical plans off the Marketplace or through a stand-alone policy sold with a medical plan.
Almost all our plans have included pediatric dental coverage since January 2014.
You can obtain this coverage either through a medical plan or through an independent plan such as Anthem Blue Cross Blue Shield Dental Insurance.
If you are eligible for financial aid to assist you in obtaining medical coverage, you are required to obtain your medical plan through the Health Insurance Marketplace. If you are ineligible for financial help and you require a dental plan, you are not required to obtain it on the Health Insurance Marketplace. You can continue to obtain coverage as you have in the past through an agent or directly from an insurance company.

You may find the plans that are not provided through the exchange offer more selections. For more details contact us or view Anthem brochure

The Effects of Dental Hygiene to Body’s Overall Health and Why You need Dental Insurance

Discover the Effects of Dental Hygiene to Body’s Overall Health

Like many parts of the human body, the mouth has plenty of bacteria. Most these microbes are harmless to the body. Under normal circumstances, the body’s immune system, combined with good oral health care, can keep these bacteria under control such that they do not cause any infections. Without proper dental care, these bacteria can multiply up to a dangerous level leading to oral diseases. These ailments can comprise of various gum diseases or tooth decay.

Some medications such as decongestants, painkillers, antihistamines, antidepressants, and diuretics are known to reduce saliva flow. A good flow of saliva is useful is washing away food and also neutralizing acids that are produced by bacteria present in the mouth. Therefore, a good flow of saliva is helpful in protecting you from the invasion of microbes or their overgrowth. The multiplication of these microbes can result in the emergence of dangerous infections and dental bacteria.

Numerous studies have shown that oral bacteria do play a crucial part in causing diseases that do lower the body’s defenses. Lowering of the body’s defenses decreases the body’s resistance to many infections, something that might lead to severe dental problems.

Why You May Need Dental Insurance for Proper Dental Care

It is vital for you to take good care of your teeth and gums. This is because the mouth is the gateway to the entire body, and bacteria found in the mouth can affect the overall health of the body in numerous ways. Many people lack dental insurance and cannot afford proper dental care. Dental insurance not only allows for affordable care, but also helps provide structure to assure two cleanings, x-rays, and exams are performed per a year.

If you have dental insurance or not, it is a good habit to brush and floss every day, at least two times each day to keep the mouth healthy. Most dentists also recommend people to avoid cavity producing foods like sugary treats. It is also recommended to visit the dentist every six months for checkups, most dental insurance plans offer this benefit. Poor dental hygiene usually results in tooth decay and also cavities.

Effects of Not Having Proper Dental Care

In addition, proper dental hygiene is not only good for the teeth and gums but also for the entire body. This is because bacteria that can originate in the mouth can travel throughout the body and cause many health problems. These problems include the following four diseases:
Stroke and heart diseases
Individuals who are suffering from periodontal diseases have a higher chance of developing heart diseases. When plaque enters the blood stream through the gums, it can result in arterial narrowing. Arterial narrowing occurs due to the presence of bacteria that produces a clot promoting protein that usually clogs the arteries. Clogging of arteries increases the risk of heart attack.

When the disease-causing bacteria clog the carotid artery, it may increase the risk of undergoing stroke. The carotid artery is the blood vessel that supplies the brain and head with blood.

Risk of Dementia

Tooth loss that is as a result of poor dental health can cause memory loss, which can signify the early stages of Alzheimer’s disease. Research shows that, when the levels of disease-causing bacteria are high, they release substances that are inflammatory. These substances cause brain inflammation, therefore, leading to the death of brain cells.

Respiratory Problems

Harmful bacteria can affect the lungs, therefore, cause damage to the respiratory systems. Studies show that there is a link between gum infections and increased risk of acute bronchitis and pneumonia.

Diabetes

A large percentage of adults who are suffering from diabetes also have periodontal diseases. Most of them have advanced forms of the dental infections that have resulted in tooth loss. Research shows that periodontal disease makes it difficult for a person to control blood sugar, something that may aggravate other diabetic complications.

Other conditions that may arise that are linked to oral health include rheumatoid arthritis, eating disorders, Sjogren’s syndrome and head cancers. Sjogren’s syndrome is a type of an immune system disorder that makes the patient experience dryness in their mouth.

To adequately protect your oral health, it is vital to practice good oral hygiene on a daily basis. You should practice brushing your teeth at least twice a day and also flossing on a regular basis. You should not overlook eating a well balanced diet and also be limiting eating between meal snacks to avoid teeth decay. You should not neglect to replace your toothbrush after every three months or as soon as you feel that the bristles are frayed. Substances like tobacco smoking should be avoided.