Dental Insurance: A White Collar Robbery?

Dental Insurance: A White Collar Robbery?

Dental Insurance is a big racket– I don’t say this to offend you. It is a big racket having 32 teeth (Normally!) Still not clear on why do I call it a racket? Well, if you break a cord of the racket, only that cord needs to be replaced; the racket is in tact. Similarly, if you lose a teeth (God forbid), the loss is limited. How expensive the dental treatment is! You give your teeth to the dentist and make payment as well.

Without insurance protection, dental treatment is a difficult proposition. I remember about a real life incident. A health benefit scheme was introduced in a Bank under which actual dental care treatment expenses for Officers were reimbursed in full. The response to the scheme was awesome. Claims for reimbursement of expenses poured in. It almost assumed the form of a racket.

One particular officer tendered bills for reimbursement of expenses, almost daily. One day I asked the dealing Assistant, “What’s wrong with the dental health of this Officer? Is he dentally, medically unfit?” Going by the claims he is submitting and the nature of dental problems descriptions, not only he, his next seven generations need to be declared medically unfit! I added.

This happens with every good scheme, badly implemented. But most of the schemes today are not so good policies and implemented quite effectively by the insurance agents.
As for making the plans, the think tanks in any insurance company are capable of working wonders. The premium structure is so planned, you just don’t realize, how nicely they take out the money from your pocket! After all they have to pay fat salaries to their executives, their fat TA bills, the air-conditioned comfort in the offices and residences, the huge housing loans at negligible rates of interest, the bonuses and incentives, ample number of holidays, travel by air and a lot more expenses.

The normal essential dental plan covers eligible expenses including diagnosis expenses, prevention and treatment expenses, dental cleansing, dentures and fixtures and surgery. You need to study the policy terms and conditions carefully as there are always ifs and buts conditions, and the settlement of the claims depends upon the social ethics of the society/country. The clause “conditions apply” mostly works to the disadvantage of the policyholders.

Someone has compared the insurance business with, “white -collar robbery”. He must be having his valid reasons!

Seven Steps For Keeping Teeth Healthy For A Lifetime

Seven Steps For Keeping Teeth Healthy For A Lifetime

A smile can last a lifetime-if you take care of it. For that reason, it’s important for parents to instill good oral health habits in children as early as possible.

According to U.S. Surgeon General Richard H. Carmona’s “National Call to Action to Promote Oral Health” report, children lose more than 51 million school hours and adults lose more than 164 million work hours each year due to dental disease or dental visits. The nation’s total bill for dental services was estimated to be more than $70.1 billion in 2002.

“Oral health disease is making disturbing inroads into communities across the country,” Dr. Marsha Butler, Colgate-Palmolive’s Vice President, Global Oral Health and Professional Relations, explains. “For children between the ages of 5 and 17 here in the U.S., tooth decay is more common than asthma, more common than hay fever, and it poses a significant threat to our children’s overall health and well-being.”

Recently, during the celebration of National Children’s Dental Health Month, Colgate and Dr. Carmona unveiled “The U.S. Surgeon General’s Seven Steps to a Bright Smile,” tips that were developed, with a grant from Colgate-Palmolive, to help keep teeth and gums strong and healthy:

1. Brush teeth and gums with fluoride toothpaste at least twice a day, especially after eating breakfast and before bedtime.

2. Visit the dentist regularly.

3. Floss your teeth daily.

4. Use fluoride rinse for strong, healthy teeth and gums.

5. Limit the number of times you eat snacks each day-and remember to practice healthy eating and get plenty of calcium.

6. Wear a mouthguard when playing sports.

7. Ask your dental professional about dental sealants.

Through its Bright Smiles, Bright Futures program, Colgate has reached more than 50 million children with free dental screenings, treatment referrals and oral health education. The company is more than halfway to meeting a public commitment it made to reach 100 million children with these services by the year 2010. Bright Smiles, Bright Futures empowers children to take control of their oral health and helps to generate greater awareness about the importance of maintaining good dental hygiene.

Dental Hygiene – If I Had Known Then What I Know Now….

Dental Hygiene – If I Had Known Then What I Know Now….

Hello all you wonderful people out there. Have you ever thought, “If I had known then what I know now….” or “If I had my life to live over again I would change……”?

Actually there is not too much I, personally would have done differently. But there is definitely one health related subject I would like to have known more about and adhered to: early childhood hygiene practices.

I had problems with my teeth from the minute go. I had to have fillings, root canal work, tooth extractions. You name it, I had it. Even eating all those taffy apples and other candy (especially at Halloween) would have been alright if only I had known about and practiced proper (and I mean proper) gum and health hygiene. Call it hindsight.

Ironically, at this stage in my life I frantically take care of the few teeth I can still call my own. I brush my teeth (and gums) as soon as I get up in the morning and after every meal. I use mouthwash regularly. I go for biannual dental checkups. I make it a point to get to a dentist as soon as I suspect the slightest dental problem.

In our day and age anything can happen. My next statement may sound a little bizarre – like something out of science fiction – but so did reaching the moon fifty years ago. I visualize people in this lifetime cutting a third set of teeth. Wouldn’t that be something! So let’s not waste time. Let’s brush up on gum and mouth hygiene practices. Let’s promote dental hygiene whether through annual dental hygiene week for kids or dental hygiene shirts or whatever.

And don’t forget folks– keep smiling!

Health Insurance And You: Finding The Information You Need (3)

Health Insurance And You: Finding The Information You Need

Health insurance can be one of the most important things you choose in your lifetime. It can make the difference between proper health care and almost no care at all. If you follow the tips in this article, you will be successful in choosing a good health care company to maintain a great life.

Dental insurance can really help cut the cost on dental repairs. Your teeth are a very important part of your health, but a costly one for most people. Having dental insurance will help to cut the total cost of all your dental work so you can afford to have a healthy mouth.

Do not be tempted by health plans that offer you free routine preventative care. Most plans were already providing this service at very little cost, and switching from your plan may mean that you are giving up other benefits as a result. Do your research before making any kind of change.

Many new insurance plans will provide a reduction in costs if you regularly go through annual screening and maintain a healthy weight, BMI, and lifestyle. Look into your plan and compare to other plans to see if your premiums can be reduced through these methods. It is never too late to start.

Keep all health insurance policy information and every medical bill you receive in a file that you keep in a safe and convenient place. You will not have to waste time looking for the information you need to resolve problems if everything is organized in a file that you can refer to easily.

If you don’t have a large amount of time to call many different agencies and you don’t want to work with a brokerage, it is possible to find websites that help to aggregate many different agencies for you. While they can’t give a completely accurate price, they will give you many ballpark figures to help get you started.

Even if you have a great health insurance plan, there will likely be some out-of-pocket costs that need to be covered. If your employer offers it, take advantage of a flexible spending account to set aside some money to pay for these costs without a tax penalty. The downside is that you must spend the money within a set period of time.

When it comes to your health insurance coverage, make sure you keep your insurance card available. Not only does this make the check-in process at the doctor’s office or hospital easier, it also can simplify things if you are in an unexpected accident and are unable to provide your information. Your insurance card includes key information such as the policy number and contact information, making it easier for health care providers to reach your carrier if needed.

The tips offered in this article are meant to help you with your health insurance needs. Although they won’t explain everything you need, they will get you started in the right direction and help you to find and maintain your health insurance needs. Remember, this is one of the most important decisions you can make.

Seattle Cosmetic Dentist

Seattle Cosmetic Dentist

We differ by race and skin color. Language sets us apart. Accents set boundaries to our culture. But we have one thing that breaks these boundaries. It is smile.

Sounds cheesy, right? Guess so, too. Yet, for all it’s worth, smile is the only universal expression that is warmly accepted by many. That’s why a good number of individuals try to make their smiles their best feature, even if it takes flashing white teeth.

Maybe Hollywood’s gotten to much hold of me. But for me, smiles are worth thousands of word, no amount of “sorry”s can equal one smile. So begin smiling for all its now, more so if you have flashing white teeth. If you haven’t, well check on these Seattle Cosmetic Dentists and see if they can help you with your smile.

Smiles by Design at Town Center
Website: www.smilesbydesigndds.com
7530 164th Avenue Northwest Suite A-230
Redmond Washington 98052
Telephone: (425) 558-1515

Smiles are big projects for Dr. Shawn Keller. Being one of the top practitioners of advanced cosmetics dentistry in the West Coast, Dr. Shawn Keller completed his doctorate studies in dentistry from University of Washington School of Dentistry.

Now, with Smiles by Designs, Dr. Shawn Keller is the leading Seattle Cosmetic Dentist that offers myriad services. Teeth whitening, dental laser, ultrasonic cleaning, porcelain bond restoration and several restorative dental spas are among the services rendered.

Seattle Cosmetic Dentist and General Dentist
Website: www.seattlecosmeticdentist.com
4th and Seneca – Seattle, Washington
Telephone: (206) 623-4400
Fax: (206) 623-4411

Dr. Don Jayne is another Seattle cosmetic dentist that knows how important a winning smile is. That’s why, with his aptly name business label: Seattle Cosmetic Dentist and General Dentist, Dr. Don Jayne helps those that employ his service regain their smile. After all we are all born with perfect smiles.

Ziegele Aesthetic and Restorative Dentistry
Website: www.aprilziegele.com
15324 Main Street Ste A Sumner, WA 98390
Telephone: (253) 863-7500
Fax: (253) 863-0973

Another dentist of great renown, Dr. April Ziegele spearheaded the dental institution that got so much recognition in East Coast. Perhaps it’s her intimate understanding of the needs of her patients that got her dental business in so much recognition. And Dr. April Ziegele knows it, that’s why she takes great pride in saying “When you are in our office, our time is yours alone”.

Samuel Minagawa/ Northwest Dental Care
Website: www.minagawadds.com
664 Strander Boulevard Tukwila Washington 98188
Telephone: 425-271-5177

Dr. Samuel Minagawa’s path to dental science took an unexpected course. He received his Bachelor Science in Pacific Union College with Biochemistry. Later he earned an Associate Degree in Respiratory Therapy from Loma Linda University and worked as a Registered Respiratory Therapist (RRT) and Respiratory Care Practitioner (RCP) at the Loma Linda University Medical Center in the Pulmonary ICU, CCU, LLUMC Transport Team and in the Neonatal and Pediatric ICU.

Several years later and several more experiences (including a volunteer work in oral surgery and restorative dentistry), Dr. Minagawa found home at last amidst years of medical practices in Washington State as Dental Director for a State Facility of the developmentally disabled patients.

Personal Dental Care: How To Have Teeth For A Lifetime

Personal Dental Care: How To Have Teeth For A Lifetime

Thanks to better in-office dental treatments and
at-home care, more people find it easier to manage
their personal dental care.

Although there are some conditions and diseases that
can facilitate tooth loss, the products and technology
today gives people more control to help keep their
original teeth until they get old.

The most common suggestions to have a healthy set of
teeth for a lifetime is to constantly brush and floss
them. Most teeth and mouth problems are triggered or
caused by plaque, an icky layer of bacteria, food
particles and other organic matter that forms on the
surface of the teeth.

The bacteria found in plaque are responsible for
producing acids that cause cavities to form. Plaque is
also responsible for periodontal disease, an infection
that can damage the tissues and erode the bone
surrounding the teeth.

The best way to remove plaque and destroy its chances
of building up is through brushing and flossing.
Regular brushing and flossing is really needed so that
the plaque won’t have the chance to accumulate and
harden.

Don’t Be A Sloppy Brusher Most of the people have been
taught the proper technique of brushing the teeth when
they were kids.

However, as people get older, they tend to disregard
the proper way of brushing and just brush their teeth
sloppily. If you think that simply brushing your teeth
all round and making bubbles is enough to get rid of
the plaque and other food debris, think again.

You may just be wasting your time, effort and
toothpaste if you don’t practice the proper technique
of brushing your teeth. It takes more than instinctive
brushing to get your toothbrush bristles to remove
plaque without injuring your gums.

If you really want to know the proper way to brush
your teeth, you can visit a dental hygienist or a
dentist so that they can show you the proper way to do
it.

General Tips About Brushing You need to brush your
teeth at least twice a day. Perhaps the most important
time to brush your teeth is just before you go to
sleep because during sleep, the production of saliva
decreases, making the teeth more vulnerable to the
attack of bacterial acids.

It’s not advisable to brush more than three times a
day because it may cause the gums to recede in the
long run. When brushing your teeth, make sure not to
make the strokes too harsh because it will also cause
the gums to recede or bleed.

Imagine this: plaque sticks to the teeth just like jam
sticks to a wooden ladle. Rinsing the wooden ladle
won’t really remove the jam, instead, light and
constant brushing will be able to do the trick.

Brushing too hard will damage the ladle, which will
also have the same damage to the teeth and gums. Don’t
rush when you are brushing your teeth. Two minutes is
the recommended time to adequately remove the food and
plaque build-up on your teeth.

Change your toothbrush regularly.

Don’t be a scrooge when it comes to toothbrushes
because they are the primary weapon for personal
dental care. They don’t cost a lot so when you notice
that your toothbrush has been with you for three
months already, or if you already that the bristles of
your toothbrush has already began to splay, it’s high
time that you replace it with a new toothbrush.

What do you feel when you see a commercial for dental insurance for as low as $6

What do you feel when you see a commercial for dental insurance for as low as $6

Before taking out any dental plan you will need to ask yourself some simple yet serious questions. You should ask yourself if the dental plan you are taking has the capability to come to your aid during an emergency. You should know that cheap dental plans that are flowing everywhere can not meet this demand so think before you buy any kind of plans. |Do you know that the numerous cheap dental plans that are being used to bombard consumers whenever they visit an online dental insurance company for dental plans are not worth their salt? I say they aren’t good because, the coverage they offer are very restrictive, so that if you have a problem that needs urgent attention especially before you take the plan, they will simply leave you in the cold.

When it comes to taking a dental insurance with pre-existing dental problems you will have to wait for a mandatory span of one year before you can start getting help from dental insurance companies. This help does not exceed ten percent aid and subsequent increases that is not more than five percent. |If you are fed up with the rip off being committed by conventional dental insurance companies, then what you require is discount dental plans. This is an inexpensive plan of a very high quality dental service that can give you what dental insurance plans can’t. What’s more, it is not even an insurance plans it consist of union of dentists that have the single aim of offering their services at a highly subsidized rate. |With discount dental plans you can get great discounts on normal dental care treatments that borders on floride treatments to serious dental procedures such as root canals. You can start your plan from $80 for a year making you save about 60% of the entire dental cost for one year.

It will not be preposterous to assert that most people do not have the slightest knowledge about their dental insurance. What they only know is that their insurance providers have offered them a dental plan and are contented with going for normal cleanings and check-ups. But there is more to what dental insurance company do and it is advisable you seek to know. |There are lots of people who don’t want to hear nor understand insurance terminologies and they try to avoid them as much as they can. Are you one of these? If you are then you might find yourself at a great disadvantage when an emergency arises. Because you might be told by your dentist that you have not been covered for dental problem for which you don’t know what it’s called.

Have you ever stop to consider how your dentist was picked and who picked them for you? Well insurance providers examine dentists and scrutinize their malpractice claims and many other requirements they themselves decide on. What they should have done however, is study how expensive procedures are performed with a view to lessen the burden on the policyholders, don’t you think so. |It is just not enough taking out a dental insurance plan; it is also enough knowing what you are actually provided with in the insurance coverage. How do you do this? Involve a friend or an agent that is an authority in the field of dental insurance to throw more light on some insurance jargons you may likely not grasp. |When you want information about dental plans it is not always enough to depend on the dentist. You should conduct your own investigations and fact findings about the problems, the procedures, the plans and many other related details about all that has got to do with dental insurance. There are times when you might need to take urgent decisions the information you gathered will come in handy here.

You don’t get to have dental emergencies every day

You don’t get to have dental emergencies every day

Dental insurance is a lot like health. It is all about paying premiums and making claims when you spend anything on your dental health. Seeing that it is so simple, perhaps you should not be worrying so much about it; perhaps you should be paying up already.|No one ever expects an accident to happen – that’s why they call them accidents. However, you can be prepared for it, should it come around. One of those ways you can prepare is to have dental insurance. That way, any accident to your teeth and environs are taken care of.|When you pay a premium on dental insurance, you are the insurance company that you are interested in carrying on with the policy. When you fail to make payment, you are terminating the contract. Even if you didn’t see it, it is in every insurance contract.

Premiums on dental insurance are made monthly or weekly. There are packages that are annual, but those are rare enough. In any case, no one wants to shelve of the kind of money that the insurer is likely to charge for such a package at one single time.|Dental insurance is all about receiving dental benefits; the catch is that you get to pay for it. If nothing happens to you dentally for the specified period, you are in luck. If something does happen, you are in luck because the insurance company pays for it.

Dental insurance packages often have a small catch. Rarely does the insurance package offer to pay all of your dental bills when you have to incur them; rather they offer to pay something a bit less, like 90 or 80 percent. If you want more, you will have to pay for it.|The strength of your dental insurance coverage is borne on the wings of your premium. The amount of premium that you pay will determine how much you will get from the insurance company by way of indemnity. However, even if you cannot afford much, you can at least work with what you have… however little. As you get more buoyant, you can increase the quality of your package.|You might want to be a better bargainer if you are going to be doing insurance. They want to get a rise out of you, the insurance companies; so they could offer you some outrageous packages for say, dentals. You can beat it down to something more conducive for you, but you must believe in yourself.

baby boomer hygiene

baby boomer hygiene

Baby Boomer Dental Hygiene – As Providers and Beneficiaries

Since the 1960s and 1970s, including the early 1990s, the Baby Boomers marked a demographic change in the field of dentistry as Boomers made up the most of dentist population. Approximately, there were thousands of Baby Boomers who graduated in that generation as dentists.

In an instant, there were a good number of professional dentists who provided the needed services in the communities.

The result of sudden increase on dentists’ population contributed to a competitive market wherein advertising was introduced, where there was a good offer on discount dentistry, where there were chains of clinics that have been opened, and not just that, the companies of insurance also entered the marketplace of dental service.

However, these Baby Boomer dentists are now soon to retire. The bad thing here is that the numbers of these retiring dentists will not be reached by the numbers of graduating dentists today.

There is an estimated 50 percent or more females to graduate as dentists today, while there are only about 30 percent or less than 50 percent males. Yet, some of these graduating students are expected to work as employees, and some will be as independent contractors.

The existence of a great number of dentists is viewed by most as the greatest thing that happened in dental profession. But the presented facts of the next generation of dentists will diminish the managed dental care industry and the discount dentistry created by these Boomer dentists.

It will not be too long and the so-called “sellers market” formed by the Boomer dentists will be replaced into “buyers market” with the new set of dentists today. The moment these Baby Boomer dentists retire, there will be a decline in the dental practices value.

The reason, in starting up a practice, having a number of selections to choose from is easier. And this is mostly true when it comes to specialties; the sad thing is that most of these specialists belong in the Baby Boomer Generation who are now soon to retire.

The people cannot do anything about this anymore. Like it or not the Baby Boomers are about to retire in providing dental services. This time, as they are aging, they will be the one to be the beneficiaries of the dental service.

The Center for Disease Control and Prevention (CDC) released a report that about a half of the physicians’ visitors in the year 2001 were the ones who belong to 45-year-old or older. This report denotes that the Baby Boomers are seriously taking care of their health.

Now, as these Boomers have surpassed the years where they are prone to cavities, they will now be facing the phase of gum problems and other dental issues.

An adult person meets countless of dental disorders. There are four out of five adults who are affected by these. Most commonly, the problem begins with halitosis or bad breath which also comes from gum disease.

Most often, these adults are not aware that there is a developing disease in their gums. And unfortunately, it will be too late before they realize that there is already a forming filling of silver amalgam at the back of their teeth, close enough to root canal and fracture. Another worse thing is that there is also a forming yellow stain in between those teeth.

Another dental problem encountered by adults is the missing teeth. This is due to the decreased flow of saliva caused by numerous drug therapies such as anti-anxiety agents, anti-hypertensive, anti-depressants and antihistamines. There is also the problem in decaying of the teeth’s roots.

All of these dental problems are causing too much stress to a number of adults. In fact there are approximately hundred of Americans who suffer from missing teeth, while there are about ten million of them who are having denture difficulties. Hence, they are interested enough to find solutions to these dilemmas.

Indeed, the time when the Baby Boomer dentists were the ones to provide a comfortable smile to its patients are soon to be over the moment they retire. This time their generation will be the one to demand for dental services. And who knows, there might also be remarkable demand in dentists’ services like what these Baby Boomers marked in the history of the consumer industry.

Taking Care Of Your Teeth

Taking Care Of Your Teeth

When you get your photo taken, you usually smile and
reveal to the world your teeth. Healthy teeth can be a
indicator of one’s personality. Slobs usually have
teeth that are rotten and they have bad breath.

However, people who keep their teeth in tiptop shape
are the ones who are known to be successful and
responsible in their careers. Personal dental care
differs from one person to another, but it all comes
down to one important fact: the healthier your teeth
are, the greater you would look.

Aside from the aesthetic value of healthy,
good-looking teeth, they also help a person chew foods
properly. Remember, for a person to have a good
digestion, the foods that he or she would eat should
be chewed properly. Having a good set of teeth also
enables a person to speak clearly and confidently.

Reviews Of Dental Pro 7

 

People who have a poor set of teeth are usually shy
and hesitant to talk in public and fail to effectively
communicate with others. Although sometimes, the shape
and structure of one’s teeth may be genetic, dentists
and orthodontists can usually help re-shape and
improve crooked, ugly teeth.

The Importance Of Healthy Teeth It is very important
that individuals take care of their teeth because it
will prevent plaque formation which pertains to a
clear film that sticks to the surface of the teeth.

You might think that having a clear film stuck to your
teeth is harmful (since it’s clear, anyway) but you
might change your mind when you discover that the film
is very sticky and it has a magnet-like aura that
attracts bacteria to stick to it.

Sinfully Sugary Sweet Bacteria are attracted to sugar
stuck on your teeth like ants in a picnic. The
bacteria that is attracted by the sugary substance
left in your mouth after you eat candies or cake
breaks down the sugar into acid.

The acid is the one responsible for eating away your
tooth enamel, which would then cause holes in your
teeth called cavities. Too much plaque also causes a
disease called gingivitis. It is a gum disease that
makes gums red, sore and swollen.

The first indicator that you have gingivitis is when
your gums easily bleed even with just simple and basic
brushing. Practicing personal dental care is really
important because if one wouldn’t take care of his or
her teeth, the cavities and unhealthy gums will make
the gum very sore and rotten.

Getting awful toothaches can also be a result of lack
of personal dental care. Having toothaches and other
mouth-related diseases due to lack of personal mouth
hygiene will surely make eating, as well as
communicating with other people difficult.

Brush Properly If you are already getting paranoid
about all the bacteria that is staying inside your
mouth, don’t be! You can actually combat the bacteria
in your mouth by two simple weapons: toothbrush and
toothpaste.

By brushing your teeth at least two times a day, you
can break down the plaque and prevent it from building
up to cause cavities and other teeth and mouth
problems.

Being a responsible owner of pearly whites is not
difficult. You just have to make sure that you don’t
forget about your personal dental care amidst your
busy work or lifestyle.

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