Dental insurance, like most insurance, can be multifaceted and complicated, but we wanted to explain to our patients and prospective patients why we believe that it is a good investment. While it will not cover 100% of everyone's dental care, a good dental insurance policy can save you thousands for a family of four. In this article, we will attempt to explain some myths and some truths about dental insurance.
What Does It Cover?
Your dental plan is unique to your geographical location, your existing dental health, and your budget. Dental insurance plans typically come in tiers that offer different benefits to suit your particular needs. You can have an individual or a whole family plan, and the rates vary depending on the insurer and what (if any) your employer kicks into the plan on your behalf. Since insurance companies make more money when you make fewer claims, they tend to reward good behavior. At Bendel Family Dentistry, we have found that most first visits are covered by your insurance, as they benefit from your overall oral health. First visits include an initial evaluation (exam), X-rays to determine if you have any cavities, and a cleaning. This can cost upwards of $300 without insurance, so it is one of the biggest positives of carrying dental insurance.
At our office, the median savings we see for patients who carry dental insurance is 50% for crown work and up to 80% for fillings, depending on your tier. Dina Dental is the insurance carrier for the Lafayette Parish School System and Lafayette Consolidated Government, and they provide policy holders with several tiers of service. For instance, if you are in the FCL tier (LPSS), 50-80% of root canals are covered by insurance.
What Won't It Cover?
Conversely, cosmetic dentistry is defined as dentistry that is concerned only about the way the tooth looks. Two examples of cosmetic dentistry would be micro abrasion (filing down of small imperfections) and whitening. Cosmetic procedures are not deemed medically necessary, and therefore are not covered by dental insurance plans.
In Network Provider
Some of the insurance companies Bendel Family Dentistry is in network with are Always Care, Cigna Radius Plan, Delta Premier Plan, Guardian, Humana, DINA. We ask, however, that you still put in a call to our office and allow us to provide you with a free benefits check, as we can still find ways to save you money in most situations. We will also take the time to answer your questions and help you gain knowledge and empowerment when making decisions about your oral hygiene and care.
Make sure to look at the terms and conditions of your particular insurance policy because some insurances require a minimum waiting period before you can begin using the insurance. Pre-existing dental conditions like missing teeth are not always covered. All in all, insurance is designed to save you money. The best way to save money is to focus on preventative care such as annual cleanings and x-rays.
Cavities, also known as "dental caries" are a red flag to your dentist that you are experiencing tooth decay, a condition in which the enamel of the tooth is eaten away, causing a host of other problems. What many people do not know is that tooth decay is transmissible, meaning it can spread not only from one tooth to the next if untreated, but from your mouth to the mouth of your spouse or children.
What Causes Tooth Decay?
There are many causes of tooth decay, some you can prevent completely, and others you must take extra care to mitigate. In the simplest of terms, bacteria causes tooth decay. The most common cause of decay-causing bacteria is improper oral hygiene (not enough brushing, flossing, incorrect brushing, infrequent tooth cleanings etc.). Because bacteria is invisible to the eye, it is easy to overlook the spaces between your teeth. Unfortunately, cavities are permanent (irreversible), and must be filled by a dental professional to prevent their growth and proliferation. Other causes of tooth decay include gum disease, smoking, frequent snacking, and sugary foods. Oral bacteria feeds on sugar and food particles left behind, so it makes sense that the more often you eat, the more often you expose your teeth to harmful bacteria causing foods.
What Causes Bacterial Transmission?
According to a study published by the National Center for Biotechnology Information (NCBI), 11% of mothers believe that oral bacteria cannot be transmitted from mother to child. This is a common misperception, even among educated adults. In fact, the most common method of oral bacterial transmission was kissing the child on the lips (38% transmission rate), followed by sharing a spoon with a child.
Oral transmission is not limited to adults and children. The New York Times reported that when evaluating couples, even a partner who has never had a cavity can contract one from a spouse or partner with poor oral hygiene. Additionally, if left untreated, a cavity on one tooth can "jump over" to the next tooth, and so on and so forth.
Why Are Some People More Susceptible to Tooth Decay Than Others?
There are as many variables to oral wellness as any other aspect of our health. We all know someone who has never gotten a cavity in their life, as we also all know a person who seems to be able to eat anything and never gain a pound. Biology plays a part, as some people naturally have more crowded teeth than others. Tighter spaces and crooked or jagged teeth can act as bacterial hiding spots, and some people simply have teeth that are more spaced out and easier to clean. Another major factor is diet. People with higher sugar intake get more cavities than people who have sworn off sugar, since, as mentioned earlier, sugar is the primary source of food for oral bacteria. Gum disease and unnaturally dry mouth can be blamed as genetic causes of oral decay, while some unlucky people just create more of the bacteria that causes cavities.
The number one way to prevent cavities is to visit your dentist biannually for scheduled cleanings and early detection. Dr. Frances Chauvin and her staff at Bendel Family Dentistry can give you a free benefits check. We work with every single patient to customize a care plan that works for you.
The Urgency of Continued Dental Care During Quarantine
Daniel J. Klemmedson, D.D.S., M.D., president of the American Dental Association, released a statement this past week urging Americans to practice safety and vigilance, but reminded everyone of the importance of regular dental work. As both a board certified dentist and medical doctor, Klemmedson has a unique perspective on the recent resurgence of COVID-19. "I was recently asked if the American Dental Association (ADA) would once again recommend that dental practices postpone all but urgent and emergency procedures as we did in March. My answer, as you can read in my statement, is that dental care should continue during the pandemic because dentistry is essential health care," he says in his statement.
According to the Center for Disease Control, there is not a single reported case of transmission of COVID-19 caused in a clinical dental setting. In other words, the precautions work. As so many healthcare bloggers and medical experts have noted, the disease may not have changed much over the last few months, but what we know about it certainly has. Lower mortality rates and more effective sanitation has helped to advance the notion that we, as a community, are better prepared to deal with the virus.
He goes on to say in his letter that patients who are concerned about getting in-person dental care should heed the encouraging data available. Less than one percent of dentists in the United States of America have reported testing positive for the coronavirus. Additionally, Klemmedson goes on to advocate for officials to consider dentistry as essential as any other essential service. To read more about the study, click here.
The ADA has also provided patients with advice regarding communication and care. This can be found here.
Dental care is closely linked with overall healthcare, and the ADA has been working tirelessly to reassure patients that necessary intermittent dental care can be conducted with no compromise of the safety of the patients and the dentists. Book your dental appointment today with Dr. Frances Chauvin by calling 337.534.8885. Coming soon.
Holly Puissegur is originally from New Orleans and moved to Lafayette, LA in 2015. She has 11 years of dental experience. She graduated from the University of New Orleans with a Bachelor Degree of General Studies. Her hobbies include swimming, fishing, traveling, and spending time with her husband.
We are glad to have her as part of or team! She will be at the front desk to answer any quesions you may have and schedule appointments. Come by and tell her "Hi"!
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