Posts for tag: dental care
In an ideal world, your family's dental needs would mesh seamlessly with the family budget. Alas, it's not always that way, and it can often be a head scratcher figuring out how to pay for needed dental work.
You can reduce treatment costs with dental insurance, which could conceivably cut your bill in half. But dental policies often have payment caps and coverage limitations on materials and procedures. And unless someone else like an employer is paying for it, you'll have to subtract the premiums you're paying from any benefits you receive to reveal what you're actually saving.
Even with dental insurance, you can still have a remaining balance that exceeds what you can pay outright. You may be able to work out a payment plan with the dentist for extended treatments like braces, but this might not be possible in other cases.
That leaves financing what you owe with loans or credit cards. For the latter, it's highly likely your dentist accepts major credit cards. But since many cards charge high interest rates, you could pay a hefty premium on top of your treatment charges the more you extend your payments on a revolving account over time.
Your dentist may also participate with a healthcare credit card. Although similar to a regular credit card, it only pays for healthcare costs like dental fees. Interest rates may also be high like regular cards, but some healthcare cards offer promotional periods for paying a balance over a designated time for little to no interest. But late payments and overextending the promotional period could nullify this discount.
You might save more on interest with a loan that has a fixed interest rate and payment schedule rather than a credit card with revolving interest (although credit cards may be more suitable for smaller expenditures while a fixed loan works better for larger one-time charges). One in particular is a healthcare installment loan program, one of which your dentist might be able to recommend, which is often ideal for paying dental costs.
Paying for your family's needed dental care can be financially difficult. But you do have options—and your dentist may be able to assist you in making the right choice.
It's a sad fact: Many people postpone needed dental treatment because of their finances. There's no doubt that treatments for many tooth and gum problems can be expensive. But delaying treatment can make matters worse—and when they do see their dentist to address the issue, the costs can skyrocket.
The thriftiest way to manage your dental health is to prevent disease before it occurs or seek treatment as early as possible. You may incur some initial expense, but you'll pay less in the long-run and have better health to boot.
Here's a common sense approach for easing the impact of dental care on your budget.
Form a customized care plan. The key to keeping your dental expenses in check is to be proactive, not reactive with your care. Don't wait until you begin noticing problems—instead, invest in regular dental visits where your dentist can assess your ongoing individual risk for dental disease. Using that assessment, your dentist and you can then create a care plan that lowers your disease risk and promotes optimal health.
Adopt sound hygiene practices. A simple toothbrush and a roll of floss could save you thousands in dental care costs over a lifetime. Using them daily removes dental plaque, the top cause for both tooth decay and gum disease. Couple that with regular dental cleanings and your risk for costly dental disease will go down significantly.
Try less expensive, short-term restorations. Even with the best prevention strategy, there's always a chance you'll encounter a problem with your teeth or gums. Unfortunately, the best permanent fix may be more than your budget can handle. In that case, consider a less expensive restoration (like resin or glass-based fillings) to protect and restore your problem teeth until you can afford a better permanent solution.
Talk with your dentist about long-term financing. Spreading out the bill for dental treatment over several payments can help you manage unforeseen costs. Talk with your dentist about treatment financing options they offer or sponsor. If possible, have a contingency plan for payment in place before you need it—just in case.
Any kind of dental care, even preventive maintenance, can cost you. But if you manage your care wisely, you can keep that cost to a minimum.
Today’s dental care has advanced leaps and bound over the last century. But these advances are tiny steps compared to what many believe may be coming in the next few decades. This optimism arises from our growing understanding of deoxyribonucleic acid (DNA), the chain-like molecule that houses the genetic instructions for the growth, function and reproduction of every cell in the body.
As researchers unlock the secrets of this vast genetic blueprint unique to each individual the possible applications from this knowledge are astounding. Here are just a few possibilities that could one day impact everyone’s oral health.
Preventing tooth decay. This rampant disease, triggered by bacteria (particularly Streptococcus mutans), can cause extensive damage in otherwise healthy teeth. There’s already some indications from the study of genomics that we may be able to stop or at least hinder this disease in its tracks. Already we’re seeing advances in gene therapy that might be able to inhibit the growth of Strep mutans and reduce its colonies in the mouth.
Growing new teeth. Composed of various layers, a natural tooth is part of a dynamic system of bone and gum ligaments that allow movement, protection and nourishment. Although dental implants are the closest and most advanced artificial approximation we now have to them, implants still can’t fully measure up to the function and capabilities of a natural tooth. But further insight into the genetic code may one day allow us to reproduce a living replacement tooth for a lost one.
Harnessing saliva for detecting disease. The impact of genomics related to the mouth could impact more than just the mouth itself. Researchers have discovered that saliva contains genetic information similar to blood, urine and other bodily fluids with markers for various disease conditions. Unlike other fluids, though, saliva is relatively easy to collect. The key is new equipment and testing protocols to take advantage of the information already available in a single drop of saliva.
These examples illustrate the range of possibilities for better health in the future: a reduction in dental disease early in life; new and better ways to restore missing teeth; and quicker ways to diagnose dangerous health conditions.
If you would like more information on new developments in dental care, 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 “The Future of Dentistry: A Sneak Preview of Your Dental Future.”