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Because dental insurance is usually acquired as part of a job benefit package, most persons lose their dental insurance coverage when they retire. In some states, Medicaid provides limited dental coverage for routine dental care for low income and disabled elderly persons.

Medicare, on the other hand, does not cover routine dental care for older adults, but provides a few, very limited services considered to be “medically necessary.” With only 22 percent of the adults 65 years and older covered by private dental insurance in 1995, most dental care expenses for the elderly were paid out of pocket.

This website offers affordable low cost dental insurance that will greatly help with dental care cost. Take a moment to review our dental insurance plan options and call member services if you should have any questions at 310-534-3444 M-F 8-4. We are always happy to help you with any of our dental insurance plan options.

Low Income Subsidy (LIS)

Helps to pay for Medicare Part D for people with low to moderate income and resources. Also known as “Extra Help”.
There are two levels of the LIS:

Full Subsidy

The full subsidy is for people who also get Medi-Cal coverage or who are in a Medicare Savings Program (MSP). You may also qualify if your countable income is less than $16,281 per year and your resources are less than $7,560, if you are single (the limits are higher for larger households).
With the full subsidy, you will not have to pay a Part D premium or deductible, there will be no donut hole, and there may be lower co-payments.
Partial Subsidy

The partial subsidy is for people who can’t get the full subsidy, but have less than $18,090 in countable income and less than $12,600 in resources, if you are single (the limits are higher for larger households).
With the partial subsidy, you will pay 0%, 25%, 50%, or 75% of the Part D premium, depending on your income, and will only have to pay a $83 deductible before you get help paying for drugs. You will have to pay coinsurance and co-payments for your medications, but they will be lower than they would be without the partial LIS.
Note: Not all of your income and resources are counted when you apply for the Low Income Subsidy. You can apply for the LIS even if you are not sure that you will qualify.

Some counties have contracted IHSS care providers. Community care providers, friends, neighbors, and relatives can provide services as well. You are responsible for hiring, firing, and supervising your IHSS caregiver.

Free Instant Individual – Family Dental Insurance Plan Quotes

Individual – Family dental insurance plan help and information – InsuranceCompany.com is a specialist in dental insurance and dental discount plans, vision and prescription coverage programs for individuals, families and groups. We have been serving the dental insurance community since 1983, you will find our licensed dental insurance agents are well informed and ready to assist you.

Compare dental insurance plans and decide which one is right for you and your family. Many of our dental plans have next day benefits including vision and prescription. InsuranceCompany.com offers quotes for individual and family dental insurance plans including an option to compare dental national coverage plans. Remember, buying dental insurance does not have to be a painful process.

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When you think winter holidays, do you envision cookies, pies and high-fat treats? Bulging waistlines and scale-tipping weight gain? Maybe it’s time to rethink what brings joy and happiness to you, your friends and family. Last December, NIH News in Health suggested over a dozen healthy holiday gifts. Here are a few more budget-friendly possibilities to help keep your loved ones active and healthy. Good food is one of life’s great pleasures, and it doesn’t have to be bad for you.

Several kitchen gadgets—like juicers, slow cookers, rice cookers or vegetable steamers—can help you prepare nutritious low-fat foods. You can also encourage loved ones to prepare tasty, healthy dishes by giving them a low-cost cookbook from NIH (see the “Wise Choices” box). Popsicle molds in whimsical shapes can encourage healthful snacking for kids. Fill them with pureed fruit or 100% fruit juice.

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Scientists at the University of Florida have discovered a new method of observing the brain changes caused by Parkinson’s disease, which destroys neurons important for movement. The development suggests that fluid changes in a specific brain area could provide a way to track that damage. The study, published in the journal Brain, was supported by the NIH’s National Institute of Neurological Disorders and Stroke (NINDS).

“By finding a new way to detect and track how Parkinson’s affects the brain, this study provides an important tool for assessing whether a drug might slow or stop those changes and keep symptoms from getting worse,” said NINDS Program Director Daofen Chen, Ph.D.

Self-Employed and Dental Insurance

If you are a self-employed person and have had the misfortune of visiting a dentist, you will immediately realize the importance of buying individual dental insurance coverage. Individual dental insurance plan help and information – InsuranceCompany.com is a specialist in dental insurance and dental discount plans, vision and prescription coverage programs for individuals.

Free Individual Dental Insurance Plan Quotes

Individual dental insurance is probably one of the most widely adopted private insurance plans.

Individual dental insurance provides you with the coverage you need to promote good dental health in which you can generally find customized options. That means you may have some work cut out for you as you shop our web site. For example, in California we offer over 65 dental plans to choose from which beats looking through that many places. Keep in mind individual plans is just a term used to distinguish itself from group plans which you generally get from your employer. Since obtaining an individual dental insurance plan is very affordable, many people choose to take responsibility for that coverage either as a stand-alone policy or as a supplement to their group dental coverage.

According to studies done, there may be a link with excessive alcohol consumption and it having a contributing factor towards mouth cancer. Excessive alcohol consumption increases the chances of developing mouth cancer by 30 percent. However, mouth cancer is the not the only oral health risk associated with alcoholic drinks. alcoholic drinks also often contain high levels of sugar which can lead to tooth decay. Tooth decay happens when the enamel and dentin of a tooth become softened by acid attack after you have eaten or drunk anything containing sugars. Over time, the acid makes a cavity in the tooth. This often leads to the tooth needing to be filled or even removed.

Overall, only about half of Americans diagnosed with major depression in a given year receive treatment for it, and even fewer—about one fifth—receive treatment consistent with current practice guidelines, according to data from nationally representative surveys supported by NIMH. Among the ethnic/racial groups surveyed, African Americans and Mexican Americans had the lowest rates of use of depression care; all groups reported higher use of past-year psychotherapy vs. medication for depression.

Seasonal flu shots are available right now. H1N1 (Swine) flu vaccine is being shipped and will soon be widely available. Flu refers to illnesses caused by a number of different influenza viruses. Flu can cause a range of symptoms and effects, from mild to lethal. Two strains of flu, seasonal flu and the H1N1 (Swine) flu, are currently circulating in the United States. A third, highly lethal H5N1 (Bird) flu is being closely tracked overseas.

Most healthy people recover from the flu without problems, but certain people are at high risk for serious complications. Extensive efforts are underway to track and monitor the spread of all flu viruses. In the U.S., epidemiologists at the Centers for Disease Control (CDC) are working with states to collect, compile and analyze reports of flu outbreaks. More on the current situation.

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Need a Replacement Card? Order a Medicare Card by Phone or Online

If you lose or damage your Medicare card, you can obtain a replacement card from Social Security one of the following ways:

Log into your MyMedicare.gov account. If you do not have a MyMedicare account, sign up now.
Order Online by visiting the Medicare Card Replacement section of Social Security’s Web site. You card will be mailed within 30 days to the address SSA has on record. To make an online request, you will need the following information:
Your last (exact) payment amount or the month and year you last received a payment if you have received benefits in the last 12 months.
Your name as it appears on your most recent Social Security card
Your Social Security Number
Your Date of Birth
Your phone number in case we need to contact you about your request
Your e-mail address (optional)
You may also need:
Your Place of Birth
Your Mother’s Maiden Name (to help identify you)

Mild Lung Disease Linked to Heart Function

People with a mild form of a common lung condition—even those without symptoms—are at increased risk for heart problems, according to a new study. This is the first report that mild, often-symptomless chronic obstructive pulmonary disease (COPD) may be linked to the heart’s pumping ability.

COPD is the nation’s fourth leading cause of death. It affects an estimated 1 in 5 Americans over age 45, but as many as half the people who have it may not even be aware of it. The condition is strongly associated with smoking, and it often involves the destruction of lung tissue, called emphysema. COPD can bring persistent coughing, mucus production, wheezing, shortness of breath and chest tightness. Symptoms often worsen over time.

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Question: I am self employed and I have been looking for good dental insurance plan for my family. What I am finding are plans that do not cover much and has a max limit of $1000.00 – $2000.00. I want something that does not have a max limit and overs better coverage’s without all the waiting periods.

Answer: It is common for dental PPO or Indemnity dental insurance plans to have waiting periods and maximum limitations. You may want to review any HMO insurance options that are available to you in your state. HMO insurance plans generally do not have those types of restrictions and limitations.

The Health Benefits of Cutting Salt
High blood pressure, or hypertension, is a serious condition that can lead to coronary heart disease, heart failure, stroke, kidney failure and other health problems. About 1 in 3 adults in the United States has hypertension.

Blood pressure can be reduced by lowering dietary sodium. Experts recommend that people consume less than 2,400 milligrams of sodium a day—that’s what’s in about 6 grams of salt, or about a teaspoon. People with high blood pressure should shoot for 1,500 milligrams or less—about 3.7 grams of salt. However, the average man in the United States takes in over 10 grams of salt per day and the average woman over 7.

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The most common form of malignant brain cancer in adults, glioblastoma multiforme (GBM), has 4 distinct molecular subtypes, according to a new study. The finding may lead to more personalized approaches to treating GBM patients.

GBM is a fast-growing type of tumor. In recent years, 3 of every 100,000 Americans have been diagnosed with GBM—the highest incidence rate among malignant brain tumors. Most patients die of the disease within 14 months of diagnosis.

Like most cancers, GBM is believed to arise from changes that accumulate in cells’ DNA over the course of a person’s life. The Cancer Genome Atlas (TCGA) Research Network, launched in 2006, is a comprehensive and coordinated effort to explore the genomic changes involved in human cancer. It consists of more than 150 researchers at dozens of institutions across the nation. The network is funded by NIH’s National Cancer Institute (NCI) and National Human Genome Research Institute (NHGRI).

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Dental Fears: I have large dental fears so I can not go to just any general dentist since even for just a cleaning I need to have a specialist knock me out. Because of my dental fears, I have to pay more money for my dental services which my current dental insurance will not cover, since they will only cover me on UCR for general dental prices. Where can I get a dental insurance that will insured for specialist? I try explaining to my dental insurance that I do not see a specialist just to have it cost more but they state it does not matter it is up to me where I go and the coverages are what I get if I go to a specialist for my fears.

Reply: You may want to review a dental discount plan. With a dental discount plan you will save at least 20% off the cost of any plan specialist. Compare the benefits you current receive and see if that is better or worse then saving 20% with a dental discount plan. You also may want to try weaning your self off of going to a dental specialist all the time. There are great general dentist that deal well with people that have dental fears. At least may be get the simple things done at a general dentist.

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