Posts for: November, 2015
With the major changes in healthcare over the last few years, much of what we understand about insurance has been turned on its head. The term “Insurance” now often means something much different than how it’s traditionally understood.
Dental insurance is a prime example. Rather than a means to protect the insured from unforeseen costs, most dental policies work more like discount coupons. The vast majority are paid by employers as a salary benefit to reduce but rarely eliminate an employee’s treatment costs.
In fact, paying dental insurance premiums yourself may not be cost-effective. The average person spends $200 a year on basic care, while a typical policy costs $500 or more annually. Even if the plan fully paid for basic items like cleanings and checkups, the total cost with insurance can still be greater than paying out of pocket. Most plans also have deductibles — the fee portion the patient is responsible to pay — and annual maximum benefit limits of typically $1,200 or $1,500. With rising dental costs, these deductibles and limits may not be adequate.
There are also different types of plans, such as direct reimbursement or managed care. Under the former your employer is actually paying the claims from company funds — the insurance company acts as an administrator. The latter type packages services with select providers: the out-of-pocket costs are lower but your choices of provider are usually limited to those in their network — which on a new plan may not be the family dentist you’ve seen for years.
If you have a private plan, you should look carefully at your total costs, including premiums and out-of-pocket expenses, and compare those with projected costs without it. If you’re on an employer-paid plan, then be sure you understand it fully, especially any limits or restrictions. Also, speak with your dentist’s business staff to see how you can get the most out of the plan — dental offices work every day with insurance companies and know how to maximize your benefits.
Remember too that regular office visits for cleanings and checkups — as well as your own daily hygiene practices — are the best way to reduce long-term dental costs. Taking care of your teeth with preventive care will help ensure you’re not dipping into your own wallet — with or without insurance — more than you should.
If you would like more information on managing dental costs, please contact us today to schedule an appointment for a consultation. You can also learn more about this topic by reading the Dear Doctor magazine article “Dental Insurance 101.”
When the multi-platinum recording artist, songwriter and TV personality Jason Derulo was recently asked about his ideal woman, his answer covered a remarkably broad spectrum. "There’s no specific thing," he said, "so I think it’s unfair to say what my ‘type’ is." But it turns out that there is one thing the So You Think You Can Dance judge considers essential: A beautiful smile.
"I’m not into messy teeth," Derulo said. "If the grill has spaces and different colors, it’s not my vibe."
As it turns out, he may be on to something: A number of surveys have indicated that a bright, healthy smile is often the first thing people notice when meeting someone new. Yet many are reluctant to open up that big grin because they aren’t satisfied with the way their teeth look. If you’re one of them, consider this: Modern cosmetic dentistry offers a variety of ways to improve your smile — and it may be easier and more affordable than you think.
For example, if your smile isn’t as bright as you would like it to be, teeth whitening is an effective and economical way to lighten it up. If you opt for in-office treatments, you can expect a lightening effect of up to 10 shades in a single one-hour treatment! Or, you can achieve the same effect in a week or two with a take-home kit we can custom-make for you. Either way, you’ll be safe and comfortable being treated under the supervision of a dental professional — and the results can be expected to last for up to two years, or perhaps more.
If your teeth have minor spacing irregularities, small chips or cracks, it may be possible to repair them in a single office visit via cosmetic bonding. In this process, a liquid composite resin is applied to the teeth and cured (hardened) with a special light. This high-tech material, which comes in colors to match your teeth, can be built up in layers and shaped with dental instruments to create a pleasing, natural effect.
If your smile needs more than just a touch-up, dental veneers may be the answer. These wafer-thin coverings, placed right on top of your natural teeth, can be made in a variety of shapes and colors — from a natural pearly luster to a brilliant "Hollywood white." Custom-made veneers typically involve the removal of a few millimeters of tooth enamel, making them a permanent — and irreversible — treatment. However, by making teeth look more even, closing up spaces and providing dazzling whiteness, veneers just might give you the smile you’ve always wanted.
If you would like more information about cosmetic dental treatments, please call our office to arrange a consultation. You can learn more in the Dear Doctor magazine article “Cosmetic Dentistry — A Time for Change.”