Posts for: October, 2014
Most of us think of insurance as a means to protect us and our families from unforeseen loss. While that’s the general definition, some insurance plans — like dental — don’t quite work that way.
The typical dental plan actually works more like a discount coupon for dental services. Most are part of an employer-based benefit package and usually “fee-for-service”: the insurance company pays for part or sometimes the entire bill after your dental visit based on a fee schedule laid out in the policy.
A plan’s benefits depend on what the insurer offers to cover and what level of coverage your employer (or you) are willing to pay for. Typically, the more items covered under the policy, the higher the premium. Any deductibles (the amount you must pay out of pocket before receiving any plan benefits) can also affect the premium — the lower the deductible, the higher the premium.
The benefits may also be limited due to what a patient’s dentist charges for services. Most insurers pay benefits based on what they determine to be the “usual, customary and reasonable” (UCR) fee for a particular service. The dentist’s fees are most often higher, however, resulting in the patient paying a higher percentage of the bill.
Still, a dental plan can work to your financial advantage, especially if it’s employer-based with premiums paid by your employer. It may not be advantageous, however, if you’re paying the premiums. For example, a person without insurance might spend on average $200 a year for basic dental care (mostly preventative — checkups and cleanings), while a person with insurance may have those expenses covered, but are paying yearly premiums of $500 or more for the plan.
You should also consider one other factor: our first priority as dentists is to pursue the best course of treatment for your particular dental needs, which may not always align with what your policy covers. At the same time, we understand the limitations you may be under with your plan — we work in this world every day. We’ll certainly assist you in navigating the insurance waters to achieve the best care for what you can afford.
If you would like more information on dental insurance and other financial arrangements, 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 Insurance 101.”
Junk food and between-meal sweets are a habit for many of us, even though we know it is bad for our bodies and our teeth. As adults, we are responsible for our own choices. As parents, we are also responsible for our children's choices, and for teaching them to choose wisely.
Celebrity Chef Cat Cora offers the following six suggestions for leading children to a healthy lifestyle. Cora is a star of Iron Chef America and author of Cat Cora's Classics with a Twist: Fresh Takes on Favorite Dishes, in which she reveals healthier versions of classic recipes. In her remakes she shows how to cook with a lot of flavor while reducing fat and sugar. Cora has four young sons, so her methods are not just theories — they have been practiced in real life.
1. Remember who's the boss.
“My kids have never had fast food,” Cora said in a recent interview with Dear Doctor magazine. “The parents have a choice to do that or not,” she said. “The kids are not going to the grocery store to shop; the kids are not driving themselves through fast food chains.”
2. Make your rules clear and stick to them.
“Right now my 7-year-old tries to be picky, but it's really about us being consistent as parents,” Cat said. For example, in her household pizza is served only at the weekly pizza and movie night. The kids get a healthier version of what they want, so they don't feel deprived. The evening includes air-popped popcorn without butter — and no soda, which is bad for teeth because of its sugar and other chemical ingredients.
3. Offer your children a variety of foods and tastes.
Cora made sure her children tried different foods and spices from infancy, so they are open to trying new things. It's easier to get all the nutrition you need if you eat a wide variety of foods.
4. Learn to make tasty substitutions for sugar.
When her children were babies, Cora stopped relying on bottles and sippy cups as soon as possible, reducing her children's likelihood of developing tooth decay due to sugary residues remaining in their mouths. Now that they are older, she uses tasty substitutes for sugar such as fruit purees and the natural sugar substitute Stevia.
5. Include the children in meal planning.
Kids are more likely to eat a meal they are involved in planning and cooking. For example, ask them which vegetable they would like to have (not whether they want to have a vegetable).
6. Model healthy behavior for your kids.
Parents are the best role models. This is true not only for food choices, but also for exercise and maintaining a healthy lifestyle.