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 know you should see the dentist about that nagging tooth or gum problem, but you keep putting it off. Truth be told, you're a little nervous that your treatment visit might be unpleasant.
In one sense, your concern isn't unreasonable: The teeth and gums abound in nerves that are more than effective in signaling pain. Even minor dental procedures can trigger discomfort. In another sense, though, there's no need to worry, thanks to pain-numbing techniques using local anesthesia.
The term “local” is used because the applied anesthetic only affects the area and surrounding tissues needing treatment. The anesthetic drugs temporarily block nerve electrical impulses from transmitting pain signals to the brain. Unlike general anesthesia, which requires placing a patient in an unconscious state, a patient can be awake, yet feel no sensation around the anesthetized tissue.
Dentists typically use a two-step method to prevent patients from feeling any pain during a procedure. First, they apply a topical local anesthetic to the surface of the gums. Once these top layers have been numbed, they numb the underlying tissues by injecting the anesthetic with a needle. The goal of a topical application is to ensure the patient doesn't feel the prick of the needle used for deep tissue anesthesia.
Dentists follow strict protocols using anesthesia that have been developed over several decades. As a result, local anesthesia has revolutionized dental care and greatly reduced patient discomfort safely and effectively. Its effectiveness has in fact led to a common complaint that the numbness may linger long afterwards. But that also has been addressed with better combinations of anesthetic drugs to reduce the duration of the numbing effect.
And not only does local anesthesia make for a more relaxing and pleasant experience, it also benefits the dental provider. Dentists tend to work more efficiently when they know their patients aren't in discomfort, which can result in better treatment outcomes.
If you've been putting off a trip to the dentist because you think it might be painful or uncomfortable, put those concerns to rest. With the help of local anesthesia, dental treatment can be relaxing and pain-free.
If you would like more information on having a pain-free experience at the dentist, 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 “Local Anesthesia for Pain-Free Dentistry.”
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.
Each year, over a million Americans venture abroad for healthcare, with roughly half for dental treatment. Cost is the main reason — “medical tourists” believe they can save substantially on treatment, even with travel.
But before undertaking such a venture for dental work, there are some things you should take into consideration. For one, although quality care exists all over the world, you’ll also find different standards of care. In the United States, for example, not only must dental providers graduate from accredited schools, they must also pass state examinations before they can practice (specialists even more). In some parts of the world, educational standards aren’t as difficult to attain. You may also find differing standards for infection control, drug applications or appliances: for example, you may find a lower quality in implant or crown materials or craftsmanship than you might expect in the U.S.
Communication can also be an obstacle. Language barriers make it more difficult to understand what to expect before, during and after a procedure, or to have your questions answered. It may also hinder your provider from fully accessing your medical and dental history, which could have an impact on your treatment and outcome. Limited communication also increases misunderstanding about services offered, charges and treatment expectations.
Finally, many dental procedures have multiple phases to them, some of which normally span several months and visits. Many who go abroad for more complex procedures may try to have them performed in a much shorter time frame. Doing so, however, could prove disappointing both in the quality of the final outcome and your own well-being under such an arduous schedule. Even if your dental work is performed in an exotic locale, recovering from extensive procedures where you must rest and refrain from strenuous activity is best performed in the comfort of your own home.
It’s important to get the facts before traveling to a foreign country for any medical or dental treatment, especially about a region’s accreditation and care standards, as well as what you can expect in terms of amenities and culture during your stay. One good source is the U.S. Center for Disease Control’s web page for medical tourism (//goo.gl/75iWBk).
Going abroad for dental care is a big decision — be sure you’re prepared.
If you would like more information on dental treatment abroad, 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 & Medical Tourism: It’s No Vacation.”