Posts for: February, 2015
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.”
We all know Madonna, Seal, David Letterman, Anna Paquin and Michael Strahan (of the talk show Kelly and Michael). What do all of these celebrities have in common? Each has a “signature gap” between their front teeth. Given that they have been in the public eye for quite some time, it's not likely that these famous faces will choose to change their well-known smile. In fact, Michael Strahan has publically stated that he will never close his gap.
However, it is not uncommon for people to desire to fix a small gap in their teeth, particularly in advance of important events, such as weddings. Often times, fixing this small gap requires relatively simple orthodontic movements or tooth straightening. Since the teeth don't have to be moved very far, we can usually use simple appliances to correct the issue within a few months.
In order for us to determine your course of treatment, you'll need to make an appointment with our office for a thorough examination. When we examine you, we'll be looking for a number of items that will affect our treatment recommendation:
- Is there enough room to close the space without creating other bite problems?
- Are the roots of the teeth in reasonably good position to allow for minor tooth movement to close the space? X-rays will be required to make a proper assessment.
- Is there an involuntary tongue habit that has pushed the teeth forward and created the gap? If so, this could be difficult to fix quickly.
- Are the surrounding gum tissues and bone healthy?
Based on our assessment and your individual needs, we may recommend one of the following options:
- Clear retainers, a computer-generated series of clear retainers customized for your bite to move the teeth
- Removable orthodontic retainers to which we will attach small springs or elastics to facilitate the minor tooth movement
- Traditional fixed orthodontic appliances (most commonly known as braces), small metal or clear brackets bonded to your teeth through which tiny wires are used to move the teeth
Regardless of the method we choose, once your teeth have moved into the new position, it is important for you to remember that they must be kept in this position until the bone stabilizes around the teeth. We may therefore advise you to wear a retainer for a few months to a few years, depending on your situation.
If you would like more information about orthodontic treatments, please contact us or schedule an appointment for a consultation. You can also learn more by reading the Dear Doctor magazine article “Minor Tooth Movement.”