The Most Affordable Dental Insurance

The Most Affordable Dental Insurance

Recently, a great deal of attention has been placed on economizing in all different aspects of life. Some people have even considered cutting back in the area of health care by putting off routine maintenance care. While this is a little like playing Russian roulette when it comes to dental health — for reasons I’ll explain shortly — there may be a better way to dodge the financial bullet. And it may be a much simpler one.

After more than twenty years of practice I have seen people consider all sorts of ideas to deal with rising dental costs. Often, people become fixated upon dental insurance as the primary solution to the majority of their dental needs. Because dental insurance generally tends to be pretty expensive relative to what it pays out, especially if you are buying it yourself, patients that rely on it exclusively often end up worse than when they started. Dental insurance typically has waiting periods before it can be used, during which time existing conditions advance, becoming more expensive.

In these cases, you have to wonder – if the premiums are costing you more than what the company pays you back – what’s the point? Obviously, this arrangement is a much better deal for the insurance company than for the patient. Let’s also consider that when I first started practice, dental insurance maximums averaged $1,000 to $2,000 annually. Twenty years later, they average . . . $1,000 to $2,000 annually. If insurance kept up with inflation alone, the annual maximum should easily be over $5,000. Don’t hold your breath for that one though. Patients would be better off just setting aside the amount they pay for premiums. They usually come out better in the end.Dental Insurance

Putting off dental care often becomes more costly to patients for several reasons. Firstly, many dental conditions are actually painless in the early stages. Periodontal disease is a prime example. This is a condition in which the bone surrounding the teeth becomes lost, leading to a variety of circumstances including bleeding gums, loose teeth, bad breath and, eventually, tooth loss. It is the number one reason that people loose teeth world-wide. For the most part, it doesn’t hurt. When it does, if it does, it is usually too late. The tooth or teeth have to come out.

Likewise, dental decay usually doesn’t hurt in the early stage. Actually, I’ve lost count of the number of times it didn’t hurt in the advanced stage either – but this is usually the point at which the patient becomes aware of a problem. A piece of the tooth breaks off, or they actually experience pain. The tragedy of this scenario is that when it reaches this stage teeth often end up requiring more expensive root canal therapy or extraction. Dental costs can very quickly escalate as much as ten times from the cost of a simple filling to what it costs to complete a root canal and crown.

So what do you do? Focus upon prevention.

Here is a true story I hope will leave as big impression upon you as it did me at the time:

When I was a dental student, I recall a lecture give by one of my professors in which he made a powerful point on the subject of prevention. The seminar dealt with the subject of prosthetics – more specifically, the fabrication of crowns and bridges. This professor, however, was one of those rare dentists who actually had two recognized specialties. He was a professor of prosthetics, but he was also a periodontist. While this was a crown and bridge lecture, he taught us a very valuable periodontal lesson.

Here’s what he did. The seminar was pretty informal at this point. The professor told us he was going to put up some slides of patients and have us guess their ages – just by looking at their x-rays and then at pictures of their gums. As a student, I remember thinking this was a refreshing little game and most of the class was doing quite well calling out the ages. Looking at the x-rays, we would evaluate bone levels, tooth eruption patterns, tooth wear, number of restorations and similar factors to make our “guess.” Then we would look at the color and texture of the gums and appearance of the smile and offer up our estimate. The professor would then show us the face of the patient and tell us their age. This went on for a while and we all did pretty well.

He then put up the next slides and guesses rang out: “twenty-five,” “thirty,” “twenty-seven,” went the typical guesses. I don’t think I can remember seeing a single filling on those slides, though there could have been. Nothing changed when he showed us a picture of the gums. They looked like a teen-ager’s. Then he put up a picture of the face. The person pictured was obviously in their late seventies, maybe even early eighties.

Dead silence. Then there was a small commotion and most of the class pointed out that the slides got mixed up.

The professor paused, and said “No. This is correct. Let me tell you how I can be sure. This is a picture of my father. Those are actual x-rays and a recent picture of his gums. How is it that he has such excellent oral health?”Man Flossing

He then went on to tell us how when his father was a younger man, he had a visit with his dentist and he complained to him that whenever he ate, he would get food stuck between his teeth. His father wanted to know if there was anything he could do about it, because it was pretty annoying.

The dad’s dentist thought about it for a second and told him: “Well, I’ll tell you what I do when that happens to me. I go over to my wife’s sewing kit and take out a piece of silk thread and just pass it between my teeth.” As a student, I wondered when floss became invented. Evidently, it just wasn’t popular back in those days.

In any case, our professor went on to explain that his father did exactly that after every meal since he was a young man. His gums, teeth and bone levels were almost unchanged. That’s what he had to show for his efforts.

I filed the image in the back of my mind, but I have to be honest – I didn’t exercise the same level of commitment – just yet.

Oh, sure, I brushed, watched what I ate, and took vitamin and mineral supplements. But my flossing was sporadic. That is, until I really started looking at what happened to my patients and how those who flossed performed against those who didn’t. If you asked me today: do I floss regularly? Absolutely. You can’t buy cheaper dental insurance.

Flossing benefits your gums, your breath, your teeth, your lungs, your heart – in short, you.

Do you know that probably up to a third of the cavities I treat happen between the teeth? This is why regular exams are so important. You simply can’t see this area. For that matter, without x-rays, neither can I in most cases. But my point here is simply this: even if you brush after every meal and snack, without flossing this area never gets cleaned. Why would anyone become surprised that an area that never got cleaned could decay over time?

There are all sorts of reasons people don’t like to floss, but the reasons to do it are actually pretty compelling and very cost-effective. Think it over. Maybe floss is the most affordable dental insurance. . . .

Richard Walicki, EzineArticles Basic PLUS Author

Tooth Loss and Replacement

Tooth Loss and Replacement

When we are born we come into the world without teeth. Some of us leave the same way, but that really isn’t what nature intended.

When you are on a liquid diet having teeth doesn’t appear to be vital, since there is obviously nothing to chew. Nature pretty much handles a baby’s nutritional needs with mother’s milk. As we grow and begin to eat solid food, however, having and maintaining healthy teeth becomes an entirely different matter.

Tooth LossSo when teeth become lost due to cavities, periodontal disease or trauma, the consequences for good health can become significant. Let’s not forget that digestion begins in the mouth. There are actually two forms of digestion – mechanical and chemical.

Mechanical digestion is the grinding and tearing of food, as in chewing, in order to increase its surface area. Creating a greater surface area means that there is a better chance that chemical digestion can do its job. In chemical digestion, enzymes react with the food to help break it down into simpler substances which can either be absorbed in the bloodstream as nutrients or passed out of the body as waste. This process of breakdown and assimilation occurs within the digestive tract – but it starts in the mouth with your teeth, tongue, and saliva.

Because a full set of adult teeth numbers thirty-two, it seems many people feel the occasional loss of a tooth is a relatively insignificant event. And while it is true that a person can still function with thirty-one, the long-term consequence of losing just one tooth can be more significant than most people realize.

Keystone

While all of our teeth are important, structurally, the loss of certain teeth will bring about more change than the loss of others. Think of this in terms of the walls of your house. If you take down a non-supporting wall, the house will still stand. Take out a supporting wall, however, and you have a much bigger problem. Teeth are constructed much like an arch, though. If you have ever seen a stone arch, you know it has a keystone at the top that keeps the arch together. Remove that one stone, and the whole thing collapses. In your dental arch, you can think of your canines as a keystone. Lose them, and the ensuing change can be rapid. You can lose several teeth – even all – over time. But it’s not just the loss of canines that creates a problem.

Losing a first molar, for example, can create a domino effect of changes in your mouth that can affect your ability to chew easily. It can cause shifting of the teeth in a manner that even affects the appearance of your front teeth. Or, it can lead to periodontal problems and the formation of cavities on portions of the teeth that might not have been otherwise affected before the loss.

The point is that if you lose a tooth, you should consult your dentist about what tooth replacement options are right for you. Today, we have many ways of providing functional replacements that can improve your ability to chew your food, maintain your good appearance, and keep you from losing still more teeth. Depending upon your circumstances and financial considerations, these replacements may include removable dentures, bridges (which are non-removable, cemented tooth replacements), or dental implants (think of them as artificial tooth-roots that have crowns, bridges, or dentures attached to them).

If you are missing a tooth, speak with your dentist about what tooth replacement options are right for your situation. Replacing a lost tooth early is often much less involved (and costly) than when you begin to experience the problems resulting from long-term neglect.

Basic Oral Prevention Saves Lives

Basic Oral Prevention Saves Lives

Do you put on a seat belt when you drive?

If so, why?

My guess is that it is either because you are compelled to do so by law, or (if you live in the U.S.) you believe the National Highway Traffic Safety Administration (NHTSA), who claim that seat belts save about 13,000 lives a year, nationwide.

The few seconds it takes you to snap on your seat belt buckle reduces the chance of dying in a car crash by 45%, and of being injured by about half.  Nevertheless, seat belts are not likely to play a big role in saving your life, because chances are you won’t find yourself in a serious automobile accident.  Let’s face it, fortunately, most people never find themselves in that circumstance.Seat Belt

On the other hand, gum disease (either gingivitis or periodontal disease) affects up to 80 percent of the population.

In other articles, you may have heard that periodontal disease is the leading cause of tooth loss among adults.  The shocking reality is that this is probably the least notable consequence of periodontal disease.

Periodontal disease is a significant risk factor for stroke, heart disease, certain respiratory problems, low birth-weight infants, and some forms of cancer.

While very few people will die in a car crash, a great deal more will die from a heart attack, stroke, or cancer.  Addressing periodontal disease via preventive techniques can significantly reduce your chances of dying from any one of these afflictions.

If this simple logic is not enough to convince you of the need to brush after meals, floss daily and eat a healthy diet, it may help you to know that over the past few decades, there have been hundreds of peer-reviewed medical studies published in journals showing periodontal disease to be a risk factor for heart attacks.

While periodontal disease is certainly not the only factor in the occurrence of cardiovascular diseases or cancer, there is definitely a link.  The modern thinking regarding the connection has to do with the long-term inflammatory nature of gum disease.  In simple terms, periodontal disease is a bacterial infection of the gums and bone supporting the teeth.  As with most any infection in the body, this leads to inflammation.
Toothbrushes

Often having no symptoms that are detectable by the patient, bacteria from periodontal disease can affect blood vessels on the walls of your heart.  If you have gum disease, the bacteria can easily invade the blood stream through one of many open portals.  Let’s face it, it is a relatively short trip from the mouth to the heart after all.

Bacteria in the blood may also stimulate liver production of C-reactive proteins and fibrinogen.  Both these substances have been linked to heart attacks.

Persons who successfully treated their periodontal disease have also been shown to experience improved cholesterol levels and demonstrated lowered blood pressure.  Most readers will recognize these as factors frequently associated with cardiovascular disease.

The bottom line:  while we generally don’t hesitate to snap on a seat belt because it may save our lives, not enough of the population understand that oral health basics save more lives than buckling-up!  Added benefits?  Saving teeth (which leads to better digestion and less need for heartburn medications), fresher breath, and avoiding painful toothaches or complicated dental procedures — which also translates to more dollars in your pocket.

 

Replacing Dentures

Replacing Dentures

In an ideal world we wouldn’t get cavities, have gum problems, or ever lose a tooth.  Perhaps, the world might not be ideal, even then, but at least we wouldn’t have those problems.

Unfortunately, it is a fact of life that many people do lose their teeth – either to tooth decay or periodontal disease – and then require tooth replacements.  Despite the growing popularity and acceptance of dental implants as prosthetic tooth substitutes, removable dentures still constitute the most common solution to missing teeth.

If a person still has some natural teeth, they may get what we term a “removable partial denture.”    If they have lost all of their teeth, typically they will get a full denture.  A commonly observed problem, however, is that once the dentures are made, patients tend to wear them far beyond the point where the denture continues to function well.  A little background regarding the problem with dentures may help clarify why this is so:

Some people think that if they get rid of all of their teeth and get dentures they will finally see an end to their dental problems.  This is far from reality.  Actually, what happens is that patients simply trade one set of dental problems for another.  While many patients will tell you that they eat just fine with their dentures, it has probably been so long since they had their real teeth, they have forgotten what it is like to eat normally.Dentures

What are some of the disadvantages of wearing dentures?

  •  You lose up to 50% of your biting force.
  •  A full upper denture covers your palate and interferes with your ability to taste your food.
  •  Dentures can move when you eat, speak, cough, or sneeze.
  •  Food accumulates around your dentures after a meal.
  •  Sore spots can develop when the hard denture rubs against your gums.
  •  Patients with an active gag reflex may not be able to even wear a denture without feeling as though they will gag.
  •  Multiple relines of the denture may be required as the shape of your mouth changes.  This can happen as a result of gaining or losing weight, or as a result of bone shrinkage and aging.
  •  Atrophy of the upper or lower jaws can make it impossible to develop suction with the denture.

How long do they last?  

This is an interesting question, because it is not unusual to encounter patients who tell you their denture was made twenty or even thirty years ago.  Believe me, at that point, they are seldom good-looking dentures!  But it underscores something about denture wear that is not well understood.

Once a denture is made and, assuming it fits well at the time of delivery, most patients expect – and can experience – good retention and stability.

But the key point is – once made – the dentures don’t change.  Yet your mouth can – and often does. New medications can also cause your mouth to become dry, leading to irritation and sore spots.  Osteoporosis could lead to shrinkage of the jaw.  Despite these changes, many patients attempt to make up for new problems with denture adhesives.  Unfortunately, this can open the door to even more irritation, and denture creams containing zinc have even been linked to other health problems such as numbness, tingling and muscle weakness.

While relines can assist with these changes and correct the fit of your denture to improve retention, many patients would do well to consider re-making their dentures after about five years to seven years.  In my experience, waiting too long beyond that time period can make the transition to a new denture more difficult.

200 Year Old Dentues

200 Year-Old Denture

When the change is minimal, such as one might expect after about five years, the transition is generally quite easy.  It also helps to have a spare denture for those “oops!” moments.  Over the years, I have experienced patients dropping dentures into the sink while cleaning them, accidentally dropping them into garbage disposals, having dogs and cats chew them, and more.  Patients will bite into hard objects and break a tooth, they take them out at night and sometimes sit on them, they get stepped on – and one, believe it or not, was even stolen!  That was simply too strange a story to recount here.

If your denture is over five years old, talk to your dentist about whether it is time to reline or remake your denture.  You will be glad you did.

The Affordable Dentist

The Affordable Dentist

Let’s face it: seeing a doctor – any sort of doctor – can be expensive. And dentists are no exception. But if a person’s diet and home care have been lacking, the cost of dental treatment can quickly sky-rocket. One of the problems with dental care has to do with the fact that many patients still suffer from the idea that if they don’t feel anything wrong with their teeth, then all is well.Broken piggy bank

Unfortunately, when it comes to teeth, most people miss the boat entirely with this concept. The reason is simple: the outer part of the tooth – the enamel – is mostly mineral and has no nerves. That means you can have a cavity and not know it. Several, actually. Most dentists will attest to the fact that many patients are shocked to learn they have any cavities at all.

The trouble is that by the time a cavity actually gets big enough to pose a problem, it’s a PROBLEM. For most people that trouble is spelled P-A-I-N.

It’s really no small wonder that so many individuals associate going to the dentist with toothaches. For those patients, it is the only time they will actually make an appointment. They go because they now know they have a cavity. Pain is a huge motivator. . . .

By the time a tooth hurts, though, the cavity is usually pretty close to the nerve. This means that if there is still enough tooth structure left to work with, the dentist may consider a root canal to remove the source of the pain – in other words – the nerve. Usually, this is not cheap. A root canal on a molar can cost over a thousand dollars when performed by a specialist. Then the patient has to go back to the dentist to have the tooth built up again (because so much tooth structure was lost to decay) and finally, the tooth may even need a crown. Lacking a blood supply and nerve thanks to the root canal, the tooth is now brittle and can break. Since your back teeth get a lot of pressure when you chew, failing to crown it may result in the tooth cracking and all that money you spent on the root canal goes out the window.Cracked Tooth

In a number of cases, because many people simply fear getting a root canal (not because they actually had one, but because they heard that a friend of a friend had a bad experience, and they never want to go through THAT), they opt to remove the tooth instead.

But now they have to replace the missing tooth or else their teeth will shift around and their bite goes awry. And fixing that new problem typically costs even more!

It can be frustrating.

Many people figure no one will see a missing back tooth, so why not pull it, since that is cheaper? At least they think so – until they notice their front teeth starting to form gaps, and find that food gets stuck all over the place whenever they eat. But then again, what if it’s a front tooth that needs to go?

You possibly think: “Wow, this is a problem, but I still really need to find something cheap.” OK, then. If you live in Philadelphia, you may Google “affordable Philadelphia dentist” or “cheap dentist.” A number of listings for dental implants appear, maybe some for “affordable cosmetic dentistry.” Wow, this isn’t sounding at all affordable!!! Wait! A couple of dental schools come up too. “Hmmm. Do I really want someone in their first year of dental clinic restoring my front tooth? It will be less expensive. But, then again . . . .”

Affordable DentistThe affordable dentist is someone who will understand your situation and can help you to find a workable solution for your circumstances. Many offices offer low-cost or interest-free programs that help you get the work you need today and then spread payments out over time. In some cases, it may be helpful to set up a lay-away program, especially if you have specific needs for which you have been given an estimate of treatment costs. In this manner you won’t end up spending your money on other less-essential items. Many offices will assess a minor fee to manage this plan, but it is usually quite small.

In the meantime, it is essential to keep yourself out of trouble with good preventive dental practices. Learn what diet has to do with your teeth and which home care habits are best. Remember, when it comes to teeth and gums, “no pain” most definitely does not always mean “no problems”.

The Top 5 Ways To Avoid A Dental Emergency

The Top 5 Ways To Avoid A Dental Emergency

“If it ain’t broke, don’t fix it.”  Isn’t that how the saying goes?

Well, when it comes to teeth, most people really can’t tell if it’s broken.Tooth Pain

Consider these interesting dental tidbits:

  • Periodontal (gum) disease is the number one cause of tooth loss world-wide. That’s basically a condition in which you lose the bone that surrounds your teeth, so that even healthy teeth may fall out.
  • Most people who get cavities diagnosed by their dentist didn’t have any idea that they even had a cavity.
  • A substantial number of patients who clench or grind their teeth — resulting in worn-out, chipped, and cracked teeth — swear that they don’t.
  • Some patients who come into a dental office convinced that they have a cavity because of pain, actually don’t have a cavity at all.

What the heck?! Yeah, it can get a little confusing, and that’s probably why at one point or another many people find themselves confronting a dental emergency. Some emergencies are simply the result of accidents. After nearly twenty years of practice, I have seen quite a lot of these too. But in reality, the vast majority of dental emergencies are simply caused by neglect. So here are a few tips on how to stay out of trouble:

1. Never open anything with your teeth. Just don’t do it. I have restored countless teeth after people tried to open or hold objects with their teeth. It’s not worth it. Grab a scissor, pliers, bottle-opener or whatever you need to do the job. Your teeth were made to chew your food.

2. Use an athletic mouth guard if you play sports. Sports are fun and can be great exercise. They can also cause teeth to get punched out, kicked out or knocked out. Use a professionally made mouth guard if you play sports.

3. See your dentist regularly. Some things can even be tough for your dentist to detect. Unless you have x-ray vision and can see inside your own head, you will never know if you have decay between your teeth until it is so large that it starts to look ugly or pieces of the tooth actually fall apart. Also, you don’t want your first realization that you have periodontal disease to come from noticing that your teeth are loose. Your dentist should also be checking for oral cancer at your examination visits. If you have it, early diagnosis can be a matter of life or death.

4. Brush and floss your teeth daily. There is simply no substitute for prevention. Brushing your teeth after every meal and flossing at least once a day goes a long way in protecting you from oral diseases — not to mention bad breath.

5. Wear a custom night guard if you grind or clench your teeth. Bruxism — the term used for the grinding or clenching of teeth, has been observed by dentists to be increasing in frequency among their patient populations. No doubt, stress has a great deal to do with this, but if you have been diagnosed with bruxism don’t take it lightly — because your teeth won’t either. I have also noticed a significant rise in bruxism over the last 10 or so years and its effects can be devastating.Emergency Dental Care

Oh, and that emergency dentist you were thinking of using. You know, you saw the billboard on the way to work. He’s the one that is willing to see you 24/7. So, in the worst case scenario, you will have someone to go to, right?

I wonder how many people he has actually treated at 3:00 AM? If it happens at all, I’m certain it doesn’t happen often. Sure, you can CALL him 24/7, but you’ll be seen at the first opportunity. And if he does agree to see you after hours or on a weekend, it will likely cost you a few extra hundred in addition to the cost of your treatment. By the way, be prepared to bring cash, because he may not accept checks or a credit card from a brand-new emergency patient.

The moral of the story is simple. Use common sense and just don’t let things get that far along. If it has been more than six months since you have seen your dentist (unless you have full dentures) you are over-due. Even patients with dentures should see their dentist at least once a year to check the fit of their dentures, be evaluated for adjustments or relines, to have the dentures cleaned, and to check for oral cancer.

How long has it been since your last dental visit?