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.
You might see your teeth and gums as separate parts of your mouth. But we dentists see them as a unified biological system, each of them contributing to your mouth's various functions: eating, speaking and, of course, smiling.
The teeth-gum-mouth relationship is also a factor when things aren't going well. Tooth decay, for example, doesn't suddenly appear — conditions have to be present in the mouth to cause it. The same can be said for periodontal (gum) disease or bite problems.
So the best approach in dental care is to consider the whole — to first learn all we can about your mouth. We need to understand not only your current problems but also your health history and the unique features of your mouth. With this deeper understanding we can formulate a long-term plan that addresses all your individual needs.
We specifically want to identify your individual oral health risks, from your genetic makeup to any past problems with dental disease or the bite. We then want to assess your current state of health: do you have any presence of dental disease? Is any past dental work failing or in need of updating? Are there any biomechanical issues with the bite or bone loss that need to be addressed?
With this more complete picture, we can then prioritize your care and treatment. Some things like gum disease require immediate attention. Other areas such as bite problems or cosmetic issues may require planning and time to fully address. Our aim, though, is to eventually bring you to as high a level of health as your individual situation will permit.
Once we've achieved an acceptable level of health, our aim is to then maintain that level. This includes monitoring for changes in your oral health and intervening when necessary.
As you can see, establishing a care strategy is only the beginning — and care will always be ongoing. In fact, we'll need to modify your care as new issues arise or you experience the effects of aging. Our end goal, however, always remains the same — to help you achieve and keep the most healthy and attractive mouth possible.
If you would like more information on getting the most from your 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 “Successful Dental Treatment: Getting the Best Possible Results.”