Archive for August, 2023

Explore Your Dental Insurance Plan Options Today – Share of Cost

Thursday, Aug. 31st 2023 2:07 PM

If you are shopping out your current dental insurance plan or looking to buy a new dental insurance plan you have come to the right website in order to explore all your dental insurance and plan options.

Depending on the state you live in we have up to 45 different plans choices ranging from HMO’s Insurance to Dental Discount plans, and PPO’s to free choice of providers (Indemnity) insurance plans. These plans are offer though several different companies too, in order to provide you with more options so you can choose the best plan that fits your dental care needs.

Posted on Thursday, Aug. 31st 2023 2:07 PM | by Share of Cost | in Share of Cost | No Comments »

Affordable Individual and Family Dental Insurance

Tuesday, Aug. 29th 2023 2:05 PM

Our provides you with free dental insurance and dental discount plan quotes so that you can compare dental plans and choose the one the best fits you or your family dental care needs. Having a broad range of the insurance and plan options will provide you with more choices and benefit options that will be able to fit your personal dental care needs. Just enter your zip code in the quote box provided so you can review the dental insurance and plan options that are available to you in your area. If you should have any questions about any of our dental plan options please call our member service line at 310-534-3444 M-F 8am-5pm Pacific time.

Posted on Tuesday, Aug. 29th 2023 2:05 PM | by Share of Cost | in Share of Cost | No Comments »

Missing Tooth Clause – Share of Cost.

Saturday, Aug. 26th 2023 6:27 PM

Question: When a dental insurance plan limitation/exclusion has a missing tooth clause this that means?

Reply: Insured’s covered by a dental insurance plan with a missing tooth clause means the dental insurance company will not cover/benefits for the costs of replacing the tooth if the tooth fell out or was extracted before the current dental insurance plan coverage was started

Posted on Saturday, Aug. 26th 2023 6:27 PM | by Share of Cost | in Share of Cost | No Comments »

Two Dental Discount Plans – Share of Cost.

Wednesday, Aug. 23rd 2023 1:21 PM

Question: Can you combine dental discount plans?

Reply: You can not combine two dental discount plans together to get extra savings. Dental discount plans are not insurance the dentist that are providers of a discount plan are reducing their cost to you as a plan member so typically they are not going to double discount you.

You may however be able to use a discount plan if you have a dental PPO insurance plan. You would not be really combining the two but since PPO’s plan typically have a max limitation generally ranging from $1000.00 – $2000.00 per person per year if you go over your max limitation but still need additional work during the same year a discount plan would be able to reduce the cost for the additional work not covered by your plan. This would only work a course if the dentist is a provider of the Discount as well as willing to accept you using insurance and a plan in such a manner. make sure to verify that before buying one.

Posted on Wednesday, Aug. 23rd 2023 1:21 PM | by Share of Cost | in Share of Cost | No Comments »

Two Dental Insurance Plans – Share of Cost.

Monday, Aug. 21st 2023 6:59 PM

Question: Does it make sense to have two dental insurance plans?

Reply: Having dual coverage (two dental insurance plans) doesn’t double your benefits, but you might pay less for dental procedures than if you were covered under just one plan because treatment costs may be shared between your two carriers.

However, you will need to do your homework before just buying any two dental insurance plans. Both plans would need to be able to be coordinated, such as two PPO’s but an HMO will not coordinate with any other dental insurance plan type. You want to make sure you do the math. The cost of the plans and benefits counting any limitations the plans may have to make sure you are in fact saving money on your dental care and not just over spending money on insurance

Posted on Monday, Aug. 21st 2023 6:59 PM | by Share of Cost | in Share of Cost | No Comments »

Why Have Dental Insurance – Share of Cost.

Friday, Aug. 18th 2023 9:50 AM

Although there are many links to dental health and your overall health care and wellness, too many Americans still avoid going to the dentist regurally. Like other kinds of health care services, dental procedures can be expensive – and it’s that cost deters many from getting the care they need. That’s why dental insurance is so important.

Dental insurance will help reduce your dental care cost greatly. As most dental insurance plans provide free to little cost preventive care services. By maintaining your dental health at home and seeing your dentist regularly for your preventive care needs it will help you to void having more costly and larger care service

Posted on Friday, Aug. 18th 2023 9:50 AM | by Share of Cost | in Share of Cost | No Comments »

How do you get rid of share of cost? Do I have to buy health insurance each month or can I use an approved dental plan to get rid of the monthly Medi-Cal Share of Cost

Tuesday, Aug. 15th 2023 8:42 AM

Getting rid of the Share of Cost requirement in Medi-Cal involves meeting the necessary conditions to eliminate or reduce this financial obligation. It’s important to note that Share of Cost is specific to Medi-Cal and is not directly related to purchasing health insurance. Instead, it’s about demonstrating that your medical expenses are high enough to fulfill the Share of Cost amount, thus making you eligible for full Medi-Cal coverage.

Here are some key points to consider:

  1. Meeting the Share of Cost: To eliminate the Share of Cost requirement for a particular month, you need to ensure that your medical expenses exceed the specified Share of Cost amount for that month. Once you have paid medical expenses equal to or higher than the Share of Cost, your Share of Cost for that month is considered met, and you become eligible for full Medi-Cal coverage for the remainder of that month.
  2. Approved Dental Plan and Share of Cost: While Medi-Cal covers various medical services, dental services are handled separately through the Medi-Cal Dental Program. Approved dental plans or dental services alone generally do not count towards meeting your Share of Cost for general medical services. Dental services under Medi-Cal Dental Program have their own set of rules and coverage.
  3. Regular Medical Expenses: The Share of Cost is often met by regular medical expenses such as doctor visits, prescriptions, hospital stays, and other covered medical services. These expenses need to accumulate throughout the month until they reach or exceed the Share of Cost amount.
  4. Income and Deductions: The Share of Cost amount is determined based on your income and certain allowable deductions. If your financial situation changes, your Share of Cost might also change.
  5. Reporting and Documentation: Keeping accurate records of your medical expenses and submitting the necessary documentation to Medi-Cal is crucial for the Share of Cost process. This documentation helps demonstrate that you have met the requirement.
  6. Renewal and Recalculation: Share of Cost is recalculated periodically, often during annual reviews or when there are changes in your financial situation. Ensuring your information is up to date is important.

It’s important to check with your local Medi-Cal office or their official resources for the most accurate and current information about Share of Cost requirements, eligible expenses, and how to meet them. If you’re looking to reduce or eliminate your Share of Cost, consider consulting with a Medi-Cal representative to understand the specific rules and procedures that apply to your situation. ShareOfCost.com has an alternative approved dental health care plan to meet the spend down requirements.

Posted on Tuesday, Aug. 15th 2023 8:42 AM | by Share of Cost | in Share of Cost | Comments Off on How do you get rid of share of cost? Do I have to buy health insurance each month or can I use an approved dental plan to get rid of the monthly Medi-Cal Share of Cost

Pregnancy and Dental Health – Share of Cost.

Tuesday, Aug. 15th 2023 6:39 AM

According to studies done, they have indicated that mothers with high levels of certain oral bacteria were found to have children with similarly high levels of bacteria, along with a higher risk of tooth decay.

Posted on Tuesday, Aug. 15th 2023 6:39 AM | by Share of Cost | in Share of Cost | No Comments »

Let’s delve into a more comprehensive understanding of the concept of “Share of Cost” in the context of Medi-Cal and other government assistance programs.

Monday, Aug. 14th 2023 9:40 PM

What is Share of Cost (SOC)?

Share of Cost (SOC) is a financial obligation that individuals must meet before they become eligible to receive benefits under certain government assistance programs, particularly Medi-Cal in California. It is somewhat analogous to an insurance deductible in private health insurance plans. The purpose of SOC is to ensure that individuals with higher incomes but still facing significant medical expenses receive necessary assistance while also sharing in the costs of their care.

How Does Share of Cost Work?

  1. Calculation: The Share of Cost amount is calculated based on the individual’s income, allowable medical expenses, and family size. It is determined on a monthly basis and can vary from person to person.
  2. Monthly Obligation: Once the Share of Cost amount is determined, the individual must pay that amount out of their own pocket towards their medical expenses each month.
  3. Eligibility for Medi-Cal: Once the individual’s medical expenses exceed the Share of Cost amount for that month, they are considered to have “met” their Share of Cost for that month. At this point, they become eligible for full Medi-Cal coverage for the remainder of the month.
  4. Coverage Period: The Share of Cost and eligibility cycle resets at the beginning of each month. Any medical expenses paid in excess of the Share of Cost in a month do not carry over to the next month.

Example:

Let’s say an individual has a Share of Cost of $200. This means they need to pay the first $200 of their medical expenses themselves each month. Once they have paid $200 out of pocket, their Share of Cost for that month is considered met, and Medi-Cal coverage becomes effective, covering the remaining eligible medical expenses for that month.

Key Points:

  • Share of Cost bridges the gap between having higher income levels and still needing financial assistance with medical expenses.
  • It ensures that individuals are actively participating in sharing the costs of their healthcare.
  • SOC applies to a wide range of medical services, from doctor visits to prescriptions to hospital stays.
  • It’s important to keep track of medical expenses and ensure they exceed the Share of Cost to activate full Medi-Cal coverage for the month.
  • The Share of Cost amount varies based on individual circumstances and is recalculated regularly.

In summary, Share of Cost is a mechanism used to determine an individual’s financial participation in their healthcare expenses before becoming eligible for full Medi-Cal coverage. It aims to strike a balance between affordability for the individual and sharing the costs of healthcare. Find out how ShareOfCost.com can help you meet your spend down needs for the California Share

Posted on Monday, Aug. 14th 2023 9:40 PM | by Share of Cost | in Medi-Cal, Medicaid, Share of Cost | Comments Off on Let’s delve into a more comprehensive understanding of the concept of “Share of Cost” in the context of Medi-Cal and other government assistance programs.

Heart Disease and Dental Health – Share of Cost.

Sunday, Aug. 13th 2023 6:33 AM

Inflammation associated with periodontal disease has a high potential to contribute to coronary artery disease. Good oral health can lower that risk.

Posted on Sunday, Aug. 13th 2023 6:33 AM | by Share of Cost | in Share of Cost | No Comments »

Diabetes and Dental Health – Share of Cost.

Thursday, Aug. 10th 2023 6:22 AM

Did you know that, Periodontal infections ( Gum Disease ) contribute to problems with glycemic control, which compromises the health of diabetic patients.

Posted on Thursday, Aug. 10th 2023 6:22 AM | by Share of Cost | in Share of Cost | No Comments »

Comparing Multiple Dental Insurance Plans at Once

Monday, Aug. 7th 2023 9:07 AM

Our website lets you compare multiple dental insurance plan from lower cost plans HMO insurance plans and dental discount plans. As well as Dental PPO’s and Free choice of providers plans called indemnity dental insurance plans. Not only do we provide different plan types depending on the state you are in but we provide our dental plan and insurance options though may different companies. Letting you comparison shop several plans at once. to review the dental insurance and plan options that are available to you in your area just enter your zip code in the quote box provided.

Posted on Monday, Aug. 7th 2023 9:07 AM | by Share of Cost | in Share of Cost | No Comments »

The Low Cost Alternative to Dental Insurance

Friday, Aug. 4th 2023 8:43 AM

Dental discount plans are a low cost alternative to dental insurance. With a dental discount plan cost can normally run around $7.95 – $9.95 a month for an individual and $9.95 – $15.00 a month for families. These low cost discount plans provide saving off of all your dental care needs done by a plan provider. There are no savings for dentist that are not providers of the plan so making sure there is a dentist in the dental discount plan you may want to have is very important. Check our all our dental discount plan options along with our dental insurance plans and choose which may best fit your dental care needs.

Posted on Friday, Aug. 4th 2023 8:43 AM | by Share of Cost | in Share of Cost | No Comments »

Share of Cost – Bitewing Radiographs

Tuesday, Aug. 1st 2023 6:09 AM

Dental Insurance and Bitewing: Radiographs Bitewing X-rays are often used by dentist during your dental check up. Without dental insurance these types of X-rays can run between $50.00 – $100.00. However, most dental insurance plans provide this dental service for little to no cost. In addition to also provide little to no cost check ups and basic cleaning. Make sure you are not spending more money then you need to by having current dental insurance.

Posted on Tuesday, Aug. 1st 2023 6:09 AM | by Share of Cost | in Share of Cost | No Comments »