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.
What a difference a hundred years can make—especially the last one hundred. In the early 20th Century, trains were the prime mode of cross-country transportation, electrical power was not universally available, and only the well-to-do could afford automobiles and telephones. We live in a far different world, transformed by digital media, air travel and instantaneous global communication.
Dental care has also made exponential leaps. Dentists in the early 21st Century have more effective and powerful treatments for disease, as well as life-like and durable restorations for missing teeth and less-than-perfect smiles. As far as dentistry goes, you couldn't live in a better time.
But if you thought the last century was amazing for dental care, you won't believe what may soon be coming your way this century. Here are a few of the incredible possibilities poised to become reality in the near future.
Regenerating teeth. As of now, the permanent teeth you have is all you're going to have—but that may soon change. Researchers are closing in on the ability to grow new dentin—and if that becomes practical, other parts of teeth may be next. Utilizing a person's stem cells, the building blocks of specialized human tissue, may yield the greatest prize of all, a completely regenerated tooth.
Targeting bacteria. Tooth decay and other dental diseases are most often caused by bacteria—but not every strain. The true culprits are a select few like Streptococcus mutans, which causes tooth decay. Based on growing knowledge of the human genome, we may one day be able to develop therapies that block transmission of specific bacteria from caregivers to infants, or inhibit these bacteria's ability to produce acid that erodes tooth enamel.
Employing “nano” tools. Nanotechnology tools and devices are no bigger than 100 nanometers (a nanometer is a one billionth of a meter), and perform tasks on the cellular level. Many researchers believe we may soon develop a device of this size that can seek out and destroy tiny clusters of cancer cells within the human body before they spread. This could be a game-changer for treating deadly oral cancer.
The current state of dental care would have amazed our great-grandparents. But we may soon be just as amazed at what 21st Century brings us.
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.