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Dental Insurance, What Should You Know

Dental insurance is not meant to be a pay-all. It's only meant to be an aid. You are very fortunate if you have dental insurance coverage and don't have to pay the entire dental fee plan out of your own pocket. Many patients don't have any dental insurance at all. Some patients have excellent dental insurance policies or dental credit, some have fair policies, and some have poor policies. Many plans tell you you'll be covered up to 80% - 100%. In spite of what you're told, most plans cover only 15% - 70% of the average dental fee plan. We realize that every bit of help you get from your insurance company is a big help, and we are glad you have coverage. However, it must be understood that how much your policy covers has already been determined by how much your employer paid for your insurance policy. The less he/she paid for the insurance, the less you'll receive.

FOR EXAMPLE: PLAN Costs a lot of money Costs 1/2 the amount Deductible is $50.00 Deductible is $100.00 Pays $84.00 on a filling Pays $35.00 on a filling Yearly maximum is $1,000 Yearly maximum is $800 It has been the experience of many dentists that some insurance companies tell their customers that "fees are above the usual and customary" rather than saying "our benefits are low."

Your insurance company sets the "allowables" or "a usual and customary dental fee plan" depending on how much your employer paid for your policy. It's just like your car insurance. The lower the benefits you choose, the less it costs you in premiums. Many necessary routine dentistry services are not covered by dental insurance at all. Again, what is covered and what is not is determined by what benefits and dental payment plan your employer purchased for you.

We do not believe it is in your best interest for your treatment to be compromised in order to accommodate an insurance policy's restrictions that may provide you with a quality of care that is considerably less than you deserve.

We strongly feel that you, not your insurance company, should choose the treatment you feel is best for you.

+Jim Du Molin is a leading Internet search expert helping individuals and families connect with the right dentist in their area. Visit his author page.

Medical and Dental Care Emergencies

The primary purpose of a patient visit to the dental office is to allow their doctor and/or dental auxiliary to perform a dental treatment that will aid in the improvement of their overall oral health. The primary goal of the doctor is to perform this treatment as effectively and as safely as possible. Patients give little thought to the possibility that some unforeseen medical emergency might arise in the period of time during which they are in the dental office.

Many of the things done by the doctor and staff prior to, and during, the dental treatment are done to minimize the risk of a medical emergency. For example, the medical history questionnaire, recording of blood pressure, and discussion of a patient's health history help to determine what potential risks might be present and enables the doctor to modify the planned dental treatment to minimize the potential risks. In many instances, the use of conscious sedation will be indicated as a means of decreasing stress associated with dental care. This is especially important in persons with cardiovascular diseases (such as high blood pressure or angina) who might be somewhat fearful of visiting the dentist. The use of effective drugs for pain control (such as local anesthetics) is yet another means of minimizing the risk of medical emergencies developing during treatment.

In the unlikely event that a medical emergency does occur while a patient is in the dental office, one should know that (it is highly likely) the doctor has received training in the management of medical emergencies that develop frequently.

Amongst the more commonly observed medical emergencies in dental offices are fainting, seizures, acute asthmatic attacks, allergy, and chest pain (angina).

Virtually all of these emergencies occur as a result of fear and anxiety. Therefore, it becomes very important for the patient to advise their doctor if they are apprehensive about their dental treatment. Steps usually can be taken which will prevent these situations from occurring.

Additionally, in many states it is mandatory for all dentists to be certified in basic life support (CPR) on a regular basis. In many dental offices, additional staff personnel are also trained in this very important technique.

Dental offices maintain an emergency supply of oxygen, as well as commonly used emergency equipment and drugs.

And finally, most dental offices are located in close proximity to their community's Emergency Medical Services (EMS) system (9-1-1). A telephone call activating this system will provide well-trained life-saving medical assistance within a few minutes.

By Stanley F. Malamed, DDS