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.
Pregnancy creates enormous changes in your physical body. These changes, especially on the hormonal level, can impact many aspects of your health including teeth and gums.
While it’s easy to let dental care take a back seat to other health concerns, you should actually pay close attention to it while you’re expecting. Here are 4 things to focus on during pregnancy to avoid problems with your dental health.
Don’t avoid dental work unless otherwise advised. You may be concerned about undergoing dental procedures during pregnancy, especially those that involve anesthesia. But both the American Congress of Obstetricians and Gynecologists (ACOG) and the American Dental Association (ADA) encourage pregnant women to continue regular dental visits for cleanings and checkups. And unless your obstetrician advises otherwise, it’s usually safe to undergo dental work that can’t wait.
Be on the lookout for pregnancy gingivitis (gum disease). Because of the hormonal changes that occur during pregnancy, your gums could be more susceptible to gum disease caused by plaque buildup. That’s why you should be on alert for signs of a gum infection like swollen, reddened or bleeding gums. And be sure to practice diligent, daily brushing and flossing to remove disease-causing plaque, as well as regularly visiting your dentist for professional cleanings.
Make sure your diet is “tooth” friendly. Because of the changes in your body, you may experience food cravings that alter your normal dietary habits. So as much as possible, try to keep your food choices in line with what’s best for your teeth and gums: minimize your sugar intake (a prime food source for disease-causing bacteria); and focus on nutritiously balanced meals and snacks.
Keep your entire healthcare team informed. When you make your next dental appointment, tell your dentist you’re pregnant and how far along, any medications and supplements you’re taking, or any complications you may be experiencing. This information could have a bearing on how your dentist approaches any treatment. Likewise, let your obstetrician know about any issues with your teeth and gums, as well as any suggested dental work you may need.
If you would like more information on dental care during pregnancy, 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 Care during Pregnancy.”