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.”
As a parent you want your child to have the best possible start in life. One of the greatest gifts you can provide them is a positive experience in dental care—especially visiting the dentist.
Unfortunately, not all children are so lucky. Visiting the dentist for them is foreign and forbidding; it leaves such a negative impression they may avoid the dentist later in life even when faced with acute problems.
It doesn’t have to be like that. Here are 3 ways you can help your child have a great experience at the dentist.
Start dental visits early. The best time to begin dental visits is before your child’s first birthday as their teeth begin to erupt. Dental diseases like tooth decay can begin as early as two months so it’s vital to detect any problems as soon as possible. Establishing an early relationship with your child’s dentist benefits you too with helpful tips and advice from them on dental care at home. And, children visiting the dentist early are more likely to become accustomed to it as a routine part of life, and more likely to continue the habit on their own.
Find the right dentist. The right dental practice can make all the difference in the world for your child’s comfort level. Parents often choose a pediatric dentist who specializes not only in dental care for children and adolescents but in how to engage with them and put them at ease. The key, though, is to find a dentist and staff who work well with children and understand how to make them feel at home in their office.
Display a positive attitude. You’ve probably already noticed how your child picks up on your feelings in different situations—which often affect how they feel and act too. So be sure when you visit the dentist with them you have a positive, proactive attitude, ready to partner with their provider in treatment and prevention measures. And above all display a calm and relaxed manner: your child will be more apt to follow your cue and relax too.
If you would like more information on providing great dental care for your child, please contact us or schedule an appointment for a consultation. You can also learn more about this topic by reading the Dear Doctor magazine article “Taking the Stress out of Dentistry for Kids.”
It's easy to go overboard with sweets during the holiday season. But overconsumption of sugar, month after month, can jeopardize your oral and general health. A sugary diet nourishes the bacteria that cause tooth decay. Eating too much sugar over time also promotes general health problems such as diabetes and excessive weight gain.
The beginning of a new year is a great time to bring your diet back into balance. But if you really want to cut down on sugar, you'll need to be aware that there is a lot of sugar hiding in foods you where wouldn't normally suspect it. Here are some examples:
Ketchup. Do you like ketchup on your burger and fries? For every tablespoon of ketchup you use, you'll be adding about 4 grams of sugar (one teaspoon). That can add up pretty quickly into a significant amount of sugar!
Canned tomato soup. Read the label of your favorite brand and you might see as much as 12 grams of sugar per half-cup serving. That equals three teaspoons of sugar in every half cup of soup—even more in a full bowl!
Granola. You may think of granola as a healthy choice for breakfast. Yet you're likely to see sugar listed as the second ingredient on many favorite brands—right after oats. This typically adds up to 15 grams of sugar per serving. That's almost 4 teaspoons, in a food promoted as healthful!
Yogurt. Here, the amount of sugar varies widely among brands and flavors. One container of vanilla yogurt might contain 3 or more teaspoons of added sugar. Put that on a breakfast serving of granola, and your first meal of the day has already topped the 6-teaspoon daily limit recommended by the World Health Organization.
So, to prevent sugar from sneaking up on you, it's important to read those labels! And if you have any questions about sugar and oral health, please contact us or schedule an appointment for a consultation. You can learn more by reading the Dear Doctor magazine articles “The Bitter Truth About Sugar” and “Nutrition and Oral Health.”