Posts for: May, 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.”
When Olympic figure skater Kristi Yamaguchi wanted to help her kids develop good oral health habits, the gold-medal-winner made good use of a family connection: Her father Jim Yamaguchi is a practicing dentist in the San Francisco Bay area who treats her entire brood. As she said in a recent interview, when she suspects the kids may be spending a little less effort on oral hygiene than they should, she playfully admonishes them: “You've got to brush your teeth better than that. Papa-san is going to know!”
Not all kids are lucky enough to have a grandpa who's a dentist — but every child can learn how to help take care of his or her oral health with age-appropriate techniques, plus plenty of parental guidance and encouragement. What's the best way to help your kids develop good oral hygiene routines? We're glad you asked!
Through babyhood and the toddler years, parents have the main responsibility for keeping kids' teeth clean. But as they begin to put away pacifiers and cease sucking thumbs — around ages 2 to 4 — children can also begin to help with their own oral hygiene routine. By then, kids will probably be used to the feel of gentle brushing, and may be eager to try it themselves.
A soft-bristled brush with a pea-sized dab of toothpaste is all they need to get started… along with a good dose of parental patience. Show them how to wiggle the brush back and forth from the gum line, and all around the upper and lower teeth, both in front and in back. At first, they will probably need plenty of help. But after the age of 6 or so, as their manual dexterity increases, so will their ability to get the job done.
You'll still have to check their work periodically — but you can also teach them how to do it on their own: Have your child run his or her tongue over the tooth surfaces. If they feel smooth and silky, they're probably clean too. If not… try, try again. This test is a good guideline to brushing effectiveness — but if you want to know for sure, use a temporary dye called a disclosing tablet (available at many drugstores) to reveal unseen buildups of plaque bacteria.
What else can you do to give your children the best chance at keeping a healthy mouth and sparkly teeth? Set a positive example! Make sure you (and your kids) eat a healthy diet, get moderate exercise, limit between-meal treats — and visit the dentist regularly. The encouragement you'll get after having a good dental checkup will make you feel like a gold medalist — even if the praise isn't coming from grandpa.
If you would like more information on how to help your child develop good oral health habits, please contact us or schedule an appointment for a consultation. You can also learn more about this topic by reading the Dear Doctor magazine articles “Dentistry & Oral Health For Children” and “How to Help Your Child Develop the Best Habits for Oral Health.”