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

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

**Key Points about SOC**

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

**Example Scenario**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

– Gross Income: $2,000

– Net Non-Exempt Income: $1,835.10

– Maintenance Need: $600

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

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

Understanding Income, Deductions, and Maintenance Need for Healthcare Coverage

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

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

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

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

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

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

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

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

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

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

Tips for Maintaining Toddler Dental Health at Home

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

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

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

Benefits of a Dental PPO Plan

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

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

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

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

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

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

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

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

Limitations of a Dental PPO

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

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

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

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

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

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

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

Shopping Out Dental PPO Insurance

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

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

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

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

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

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

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

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

Finding Affordable Dental PPO Insurance Plans Through ShareofCost.com

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

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

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

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

Tip 1 on How to Reduce Your Dental Care Cost

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

Tip 2 on How to Reduce Your Dental Care Cost

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

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

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

Tip 3 on How to Reduce Your Dental Care Cost:

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

Tip 4 on How to Reduce Your Dental Care Cost

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

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

Tip 5 on How to Reduce Your Dental Care Cost

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

Conclusion   

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

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

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

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

What is a Share of Cost?

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

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

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

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

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

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

How to Not Have or Reduce Your Share of Cost

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

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

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

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

How ShareofCost.com Can Help You.

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

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

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

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

What is an Abscessed Tooth?

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

Symptoms of an abscessed tooth can include:

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

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

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

Important Information about Dental Abscess

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

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

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

Managing Dental Abscess on a Limited Budget

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

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

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

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

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

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

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

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

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

• Rinsing your mouth with warm salt water can help reduce pain and draw out some of the infection. It’s a simple but effective natural remedy that temporarily relieves oral discomfort. Warm salt water helps create an inhospitable environment for bacteria and can also help reduce inflammation. This practice is often recommended to relieve pain associated with minor mouth sores, gum irritation, or after dental procedures. Remember to spit out the salt water after rinsing and avoid swallowing it.

• Over-the-counter pain relievers like ibuprofen (Advil, Motrin) or acetaminophen (Tylenol) are commonly used to help manage mild to moderate pain. Ibuprofen is a nonsteroidal anti-inflammatory drug (NSAID) that can help reduce inflammation and relieve pain, while acetaminophen is a pain reliever and fever reducer. It’s important to follow the recommended dosage and guidelines for these medications and consult a healthcare professional if you have any questions or concerns about using them.

• `Applying a cold compress to the outside of your cheek effectively reduces swelling and numbs the pain. The cold temperature helps constrict the blood vessels, reducing inflammation and providing relief. Remember to wrap the cold compress in a thin towel to avoid direct contact with your skin and limit application to 10-15 minutes to prevent icing the area. This simple remedy can be quite helpful for managing discomfort associated with swelling and pain in the cheek area.

• Avoid consuming very hot or cold foods and drinks, as they can exacerbate the pain, is advisable to minimize discomfort.

• When caring for the affected tooth, it’s important to maintain good oral hygiene by brushing and flossing gently. Keeping the area clean is essential for promoting healing and preventing further discomfort. However, it’s important to be cautious and avoid agitating the affected tooth too much during the cleaning process to avoid exacerbating any existing issues.

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

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

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

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

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

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.