Posts for: October, 2014
Most of us think of insurance as a means to protect us and our families from unforeseen loss. While that’s the general definition, some insurance plans — like dental — don’t quite work that way.
The typical dental plan actually works more like a discount coupon for dental services. Most are part of an employer-based benefit package and usually “fee-for-service”: the insurance company pays for part or sometimes the entire bill after your dental visit based on a fee schedule laid out in the policy.
A plan’s benefits depend on what the insurer offers to cover and what level of coverage your employer (or you) are willing to pay for. Typically, the more items covered under the policy, the higher the premium. Any deductibles (the amount you must pay out of pocket before receiving any plan benefits) can also affect the premium — the lower the deductible, the higher the premium.
The benefits may also be limited due to what a patient’s dentist charges for services. Most insurers pay benefits based on what they determine to be the “usual, customary and reasonable” (UCR) fee for a particular service. The dentist’s fees are most often higher, however, resulting in the patient paying a higher percentage of the bill.
Still, a dental plan can work to your financial advantage, especially if it’s employer-based with premiums paid by your employer. It may not be advantageous, however, if you’re paying the premiums. For example, a person without insurance might spend on average $200 a year for basic dental care (mostly preventative — checkups and cleanings), while a person with insurance may have those expenses covered, but are paying yearly premiums of $500 or more for the plan.
You should also consider one other factor: our first priority as dentists is to pursue the best course of treatment for your particular dental needs, which may not always align with what your policy covers. At the same time, we understand the limitations you may be under with your plan — we work in this world every day. We’ll certainly assist you in navigating the insurance waters to achieve the best care for what you can afford.
If you would like more information on dental insurance and other financial arrangements, 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 “Dental Insurance 101.”
What happens if you’re right in the middle of a song, in front of an arena full of fans… and you knock out a tooth with your microphone? If you’re Michael Buble, you don’t stop the show — you just keep right on singing.
The Canadian song stylist was recently performing at the Allphones Arena in Sydney, Australia, when an ill-timed encounter with the mike resulted in the loss of one of his teeth. But he didn’t let on to his dental dilemma, and finished the concert without a pause. The next day, Buble revealed the injury to his fans on his Instagram page, with a picture of himself in the dentist’s chair, and a note: “Don’t worry, I’m at the dentist getting fixed up for my final show tonight.”
Buble’s not the only singer who has had a close encounter with a mike: Country chanteuse Taylor Swift and pop star Demi Lovato, among others, have injured their teeth on stage. Fortunately, contemporary dentistry can take care of problems like this quickly and painlessly. So when you’ve got to get back before the public eye, what’s the best (and speediest) way to fix a chipped or broken tooth?
It depends on exactly what’s wrong. If it’s a small chip, cosmetic bonding might be the answer. Bonding uses special tooth-colored resins that mimic the natural shade and luster of your teeth. The whole procedure is done right here in the dental office, usually in just one visit. However, bonding isn’t as long-lasting as some other tooth-restoration methods, and it can’t fix large chips or breaks.
If a tooth’s roots are intact, a crown (or cap) can be used to replace the entire visible part. The damaged tooth is fitted for a custom-fabricated replacement, which is usually made in a dental laboratory and then attached at a subsequent visit (though it can sometimes be fabricated with high-tech machinery right in the office).
If the roots aren’t viable, you may have the option of a bridge or a dental implant. With a fixed bridge, the prosthetic tooth is supported by crowns that are placed on healthy teeth on either side of the gap. The bridge itself is a one-piece unit consisting of the replacement tooth plus the adjacent crowns.
In contrast, a high-tech dental implant is a replacement tooth that’s supported not by your other teeth, but by a screw-like post of titanium metal, which is inserted into the jaw in a minor surgical procedure. Dental implants have the highest success rate of any tooth-replacement method (over 95 percent); they help preserve the quality of bone on the jaw; and they don’t result in weakening the adjacent, healthy teeth — which makes implants the treatment of choice for many people.
So whether you’re crooning for ten thousand adoring fans or just singing in the shower, there's no reason to let a broken tooth stop the show: Talk to us about your tooth-restoration options! If you would like additional information, please contact us or schedule an appointment for a consultation. You can learn more by reading the Dear Doctor magazine articles “Repairing Chipped Teeth” and “Dental Implants vs. Bridgework.”