Dental Insurance for Individuals in Madison: Plan Exclusions

Dental Insurance for Wisconsin

Individual Dental Insurance Plans Wisconsin Trusts for Excellent Coverage

Momentum offers comprehensive, cost-effective dental insurance plans for individuals in Madison, Dane County, and throughout Wisconsin. You would be hard pressed to find a dental insurance company in Wisconsin providing the quality dental plans and superior customer service Momentum Plans delivers on a consistent basis.

Our professional network of dentists and dental care providers perform a broad range of basic dental services, including crowns, fillings, root canal therapy, and dentures. With an extensive network of quality dental care providers, you are certain to find a dentist near you meeting your plan specifics and dental care needs.

Need Dental Insurance in Wisconsin? Choose Momentum Plans!

Many circumstances can cause people to need individual dental insurance in Wisconsin. You may be between jobs, are no longer covered under your parent’s plan, your job does not offer group dental insurance, or you are retired.

Regardless of your personal situation, a Momentum dental insurance plan will provide excellent coverage with superb professional quality and solid cost effectiveness. Our dental insurance plans for individuals in Wisconsin have deductibles of only $50 per person or $150 per family.

See specifics on our Platinum and Gold Individual Dental Insurance Plans for more information.

Individual Dental Insurance Plan Exclusions

Individual dental insurance plans offered by Momentum Plans do not cover cosmetic services, orthodontic services, or oral surgery.

Other individual dental plan exclusions include (but are not limited to):

  • Dental procedures to treat injuries
    • Caused by riots or forms of civil disobedience
    • Sustained while committing criminal acts
    • That are intentionally self-inflicted
    • Which can be compensated under Worker’s Compensation or Employer Liability Laws
  • Charges for anesthesia, pre-medications, or prescription drugs
  • Appliances, restorations, or procedure for:
    • Increasing vertical dimension
    • Restoring occlusion
    • Correcting harmful habits
    • Replacing is structure lost by attrition
    • Correcting congenital or development malformations (unless necessary to restore bodily function)
    • Temporary Dental Procedures
    • Implants and implant-related procedures
  • Replacement of lost or stolen dentures as well as charges for duplicate dentures
  • And more
View our complete list of individual dental plan exclusions for further details about the above exclusions or contact Momentum Plans for a copy of our policy detailing the limitations and restrictions of our Wisconsin individual dental plans.

10 Easy Tips To Keep Your Kids’ Teeth Cavity-Free

Child Brushing

Cavities in children are a significant problem, because the better a child’s dental health, the better it will be as an adult! Fortunately, there are plenty of steps parents can take to protect kids’ teeth and reduce kids’ cavities.

Let’s take a look at 10 tips for keeping children’s teeth cavity-free.

1) Get Regular Dental Checkups

Kids should see the dentist at least twice yearly. Cleanings disrupt plaque and prevent cavities from arising in hard-to-reach areas between teeth that might get overlooked.

2) Set a Good Example

Children look to adults for guidance, so take dental health seriously as parents. Brush your teeth in the morning, before bedtime, and after meals. And, of course, visit the dentist regularly!

3) Teach Kids About Flossing

Millions of Americans floss less than once a week, which is simply not enough. Flossing can reduce cavity risk, so look for ways to make it easier. A floss holder or water flosser can sometimes be helpful for kids.

4) Consider Dental Sealants

A dental sealant is a great preventive measure for many kids. It consists of a plastic coating that protects surfaces of tough-to-reach back teeth and molars.

5) Get Orthodontic Issues Fixed

Old-fashioned metallic braces aren’t the only game in town anymore. Kids can get beautiful, straight teeth while feeling confident as modern braces are light, durable, and harder for others to notice.

6) Use Anti-Bacterial Mouthwash

Coupled with brushing and flossing, the right mouthwash can keep teeth clean longer. Ask your dentist about a mouthwash that’s appropriate for kids.

7) Look Out for Sugary Sweets

Processed sugar is the worst enemy of teeth. Since most kids love sweets, it’s important to brush after consuming candy and soda. To minimize enamel damage, wait at least ten minutes – but no more than an hour – to brush after eating sugary treats.

8) Treat Loose Teeth Right

Kids start to lose baby teeth around age six, and the process can continue into their early 20s. Losing teeth is exciting for some kids and terrifying for others, but they shouldn’t try to pull teeth out before they are ready. That can cause discomfort and bleeding.

9) Beware Of Dental Accidents

Whether playing sports or simply horsing around, kids are at risk of dental trauma. Be sure you understand what to do if a tooth is knocked out. Always have an emergency dentist on speed dial!

10) Get Affordable Dental Insurance through Momentum Insurance Plans

Momentum Insurance Plans provide enhanced, low-cost coverage for kids’ dental healthcare. A good insurance plan can provide Madison, WI residents and others with access to all the preventive dental care options above and many more. Contact Momentum Insurance Plans today for more information.

4 Ways You May Not Even Realize You’re Harming Your Teeth

Woman Eating Lemon

We all know brushing after meals and before bed is good and drinking soda all day and snacking on candy is bad. But there are other harmful things many of us do on a regular basis without even realizing how bad they can be for our teeth and gums. Below are four you may not have heard of before.

1. Using Your Teeth As Tools

Can you twist a bottle cap off with your teeth? Impressive as it may be, it’s probably not the smartest thing you can do. At least if you want to keep all your teeth. Besides the very real potential of cracking or chipping a tooth, it’s even possible to get a nasty laceration if the bottle breaks. Plus, scratching the enamel with a bottle cap provides a perfect spot for bacteria in your mouth to start decaying your tooth.

While most of us don’t open bottles with our teeth, we do use them for the occasional bag of chips that just won’t open on the tear strip or to sever the plastic thread holding a price tag to clothing. Don’t do it! Repeated use of your teeth for opening things or even for just routinely holding things (like nails) causes wear on the tooth and can even lead to jaw alignment problems.

Remember: They’re teeth, not tools.

2. Ring and Stud Piercings in and Around the Mouth

A piercing of the tongue, lip, or cheek may get you in with the in-crowd, but it’s definitely not the best way to keep your teeth in your mouth.

Get this: a growing number of dentists around the world have warned that piercings and tongue studs can cause chronic injury to nearby teeth, including fractures and receding gum lines—a precursor to tooth loss.

There is also the risk of accidentally biting a piercing, which can crack or even break a tooth (particularly one already weakened by a filling). Just playing with a tongue piercing by moving the tongue around and clacking the stud against teeth can easily crack or chip a tooth.

We couldn’t end this without saying one good thing about lip and tongue piercings, so here goes: It’s easy to have them removed!

3. Bleaching Your Teeth

Tooth whitening products have become wildly popular, both the over-the-counter variety and the kind you get in a dental office. The lure of pearly whites has led many to repeated use of whitening products to maintain a gleam. The problem is no one knows how much whitening is too much.

All too often, people make tooth whitening a regular thing. Many dentists and researchers are convinced excessive use of whitening products causes both pitting in teeth and damage to the nerves. Our advice: If you use a tooth whitener, don’t use it in a never-ending obsession to have perfectly white teeth—and definitely stop if it irritates your gums or causes tooth pain.

4. Brushing Right After Consuming Acidic Foods or Drinks

You may know acidic foods and drinks soften the enamel of teeth, which can lead to tooth decay. While it may seem like a good idea to brush right after drinking or eating anything acidic, it’s actually a terrible idea. The abrasive action of a toothbrush on the softened enamel can easily damage your enamel. Instead, try swishing some water around in your mouth. After a half-hour, it’s ok to brush.

Regular Dental Checkups—You Are Getting Them, Right?

Having your teeth cleaned and checked over by a dentist on a regular basis (at least once per year) is essential to good dental health. Besides getting the nasty layer of bacteria on your teeth (AKA “plaque”) cleaned off, your gums will be checked over for any signs of gum disease and your mouth inspected for signs of oral cancer. And, of course, the dentist will assess your teeth for any potential problems.

It’s pretty safe to say only a small percentage of us ever actually look into our own mouths with a mirror and a flashlight. Even if we did, it’s unlikely we’d be able to spot problems. Can you see a crack on the back of one of your rear molars? Do you monitor your gum line for signs of recession? Would you be able to recognize the early signs of oral cancer? Of course not. This is precisely why it’s important to have a dentist.

If you don’t go to the dentist because you can’t afford insurance, or it’s not available through your employer, Momentum Insurance Plans can help. We offer quality, affordably priced dental plans for individuals, families and groups throughout Wisconsin.

You can enroll in a Momentum Insurance Plan online in just a few minutes. With no waiting period for preventive and diagnostic coverage, you’re free to set up your first appointment any time after coverage takes effect.

Contact our Wisconsin dental insurance plan representatives with any questions you may have.

Cosmetic Dentistry

Young Woman Smiling

Patients often question what a cosmetic dental procedure is and whether or not they are covered under their dental health plan. Often times there is a fine line between cosmetic procedures and restorative dental procedures. While every dental insurance plan is different as far as what they will cover, Momentum Plans would like to share what procedures are typically considered cosmetic so you have the knowledge you need when making dental insurance and procedure decisions.

Cosmetic Dental Procedures

Teeth Whitening

Teeth whitening lightens teeth, removing stains and discoloration. Whitening is amongst the most popular cosmetic dental procedure due to its aesthetic benefits. While there are many over-the-counter tooth whitening products, professional whitening is safer and more effective. There are possible risks to whitening your teeth and therefore should be discussed with your dentist whether you decide to whiten on your own or have it professionally done. Whitening is typically not covered by dental insurance.

Orthodontics

Orthodontics corrects the alignment of teeth for a healthy smile. Various techniques for straightening teeth can be used like braces, retainers, and even mouthpieces. The earlier a child is seen by an orthodontist the better. Your dentist can recommend an orthodontist for a consult.

Several factors can affect the cost of orthodontic care, dental insurance coverage being the biggest factor. It’s important to have a clear understanding of what your insurance plan covers. Orthodontic care may not be covered if you begin treatment before you start an insurance plan. When making your first orthodontist appointment confirm whether your plan is accepted and what it covers. Orthodontics may be covered by employer-sponsored group plans and rarely by individual plans. Waiting periods and medical necessity may apply.

Bonding

Tooth bonding is a dental procedure which involves applying a tooth-colored resin material to a tooth and hardening it with a special light. The same material is used for filling a cavity. Bonding is done to fill in spaces between teeth, repair a chipped or decayed tooth, or even change the shape of a tooth. Bonding is an inexpensive procedure and is not permanent. If the bonding is done to improve appearance, and not to restore tooth function, the treatment is typically not covered.

Onlays or Inlays

Onlays and inlays restore normal tooth structure after decay or any other damage. An inlay is done when the tooth structure replaced is within the cusp tips of the tooth. If the damage is outside of the tooth cusp than an onlay is added. Inlays and onlays repair the chewing surface of your tooth. Coverage varies with insurance plans.

Veneers

Veneers are typically thin pieces of porcelain and used to recreate the natural look of teeth. Veneers are often used to improve the appearance of a tooth. They are bonded to the front of the tooth which can change the color, shape, size or length. Veneers are typically not covered under dental insurance plans.

Tooth Implants

Dental implants are titanium posts which are surgically inserted into the jawbone beneath the gum line. The procedure allows a dentist or oral surgeon to provide stable support for artificial teeth. This secure fit helps dentures, bridges and crowns feel more natural especially when speaking and eating. Individual dental plans often exclude implant coverage.

Tooth Caps or Dental Crowns

Sometimes a cavity may damage the tooth to the point where restoration is needed.  When too much of the structure of the tooth is removed, a dental crown is required.  A crown will strengthen and restore the entire top of a tooth by covering the outside of the tooth with a casting of metal (or ceramic). Crowns are often covered in part as a major restorative service.

Seven Simple Ways Diabetics Can Prevent Gum Disease

Mature Man Smiling

The link between diabetes and periodontal disease is well-established. In fact, oral health is a challenging topic for diabetics of any age. Although the risks are real, they can be managed through the right combination of methods.

Let’s look at some oral health tips for preventing gum disease in those with diabetes:

Monitor Blood Sugar

Although it might seem like diabetes and gum diseases inevitably occur together, people with well-controlled diabetes are no more likely than non-diabetics to suffer from gum disease. That being the case, the most important thing you can do is monitor blood sugar.

Change Your Toothbrush

One important aspect of diabetes is preventing injury – the condition leads to slower wound healing. This goes for your mouth, too! Switch to a soft-bristled toothbrush and change your brush-head regularly. A rough brush can cut the soft tissue of your mouth and invite infection.

De-Stress

There is a clear link between stress and blood sugar. Stress episodes cause blood sugar to spike, which makes it more difficult to control blood sugar throughout the day. Take a look at the things that stress you out and look for ways to make improvements.

Drink Unsweetened Green Tea

Green tea promotes healthy teeth and gums in an enjoyable, satisfying way. By interfering with the body’s inflammation response, it helps inhibit the activity of bacteria that cause gum disease. Too much inflammation is associated with a host of health problems.

Quit Smoking

A groundbreaking study among U.S. adults in 2009-2010 showed gum disease was highest among smokers. Smoking can restrict blood flow to the soft tissues of the mouth and may introduce cancer-causing agents into the body.

Chew Sugarless Gum

Although brushing and flossing are important, the body’s natural saliva is one of your most powerful dental health tools. Chewing sugarless gum increases saliva production, which helps keep teeth clean and curbs bacteria.

Start Flossing

About 20 percent of Americans never floss and it makes a difference. Flossing can be uncomfortable or even painful for diabetics. To prevent gum damage, consider using a water-jet flosser on a gentle setting instead of traditional string floss.

Good oral health is essential to overall health, and there’s no better way to preserve it than by seeing a dentist or periodontist every year. In Madison and throughout Wisconsin, good dental insurance makes periodontal services more affordable. To find out more, contact us.

How Sealants Can Help Keep Your Child Cavity Free

Boy at the Dental Office

Until recently, there was just one solution for dental worries: Floss daily and brush your teeth after every meal. Of course, good dental habits remain essential to peak health. However, there is a new option for helping kids protect their teeth now and in the future.

Tooth decay in children is a serious problem that can lead to consequences down the road. Kids with cavities face complications adults don’t – just as importantly, the experience may affect their ability to maintain their dental health in the future.

What’s the best way to prevent cavities? Dental sealants are now available for children.

Dental Sealants for Kids: Everything You Need to Know

Good dental health starts early on in life. Kids should begin brushing as their “baby teeth” come in. Although these teeth will eventually fall out on their own to make way for permanent teeth, their well-being affects the health of the whole mouth.

But what happens when those all-important permanent teeth start to arrive? There is an option!

Dental sealants are a great way to help kids with the early challenges of protecting their teeth:

  • They effectively fill in the grooves in teeth, making them more resistant to food particles;
  • They are especially helpful for back teeth that are difficult for kids to reach and clean;
  • They help protect teeth for up to 10 years.

Kids should receive dental sealants as soon as their adult teeth erupt. When performed promptly, dental sealants dramatically reduce the odds of the affected teeth suffering from cavities. The teeth still need to be brushed as usual, but will be much safer from plaque.

Dental Sealants are Safe, Effective, and Long-Lasting

Although any dental procedure entails some risk, dental sealants have been proven extremely safe over time. Side effects are rare and upkeep of the teeth does not change. It’s important to see a dentist regularly to ensure the sealants are holding strong.

Sealants acquired early in life will eventually wear out and have to be replaced. However, it is normal for them to last up to 10 years, so the investment is worth it. Dental insurance can help you reduce the associated costs: many Momentum Insurance plans cover the procedure for permanent molars.

Momentum Insurance is the solution for Wisconsin residents who want to access premium dental care at affordable prices. To find out more, contact us today.