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.
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 (http://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.”
As our profession advances, we dental professionals continue to find the biggest factor for successful outcomes is an informed patient. The more you know about your own teeth and gums, the greater your chance for a healthy outcome.
Regular dental care is fundamental to becoming informed. Your regular office visits and cleanings are an opportunity for us to “get real” — for you to learn the unvarnished truth about your dental issues and the reasons why you need to consider some options regarding your oral health. We also need to be just as realistic about what can or can’t be done to improve your situation and the cost involved.
The best way to approach this is to develop a plan based on managing risk. Risk is essentially weighing anything we may potentially lose against the solutions for not losing it. In dentistry, we look at risk in four basic areas: periodontal, the threats to structures like gums, ligaments and bone that support the teeth; biomechanical, the threats to the structural integrity of teeth such as decay, enamel erosion or fracture; functional, problems that can arise with how the teeth, muscles and jaw joints work together; and aesthetic, the impact of all these threats to the outward appearance of your smile.
Once we know the risks you’re facing, we then determine the best treatment approach for managing the risk based on costs and potential outcomes. For example, if you’re diagnosed with gum disease, you’re at risk for losing supporting bone and, ultimately, the affected teeth. Our primary goal is to prevent that loss from occurring through plaque and calculus removal that slow or stop the disease and allow affected tissues to heal. But if the disease has advanced and you’ve already experienced bone or even tooth loss, we may then need to modify our treatment goal by including gum surgery or tooth replacement options like dental implants.
Using a risk management approach helps us identify what needs to be treated and the most reasonable and achievable options for treating it. The foundation for this approach is prevention — stopping problems before they start or progress. Developing and maintaining this kind of action plan will help reduce your ultimate costs — emotional, social and financial.
If you would like more information on dental treatment planning, 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.”