New Patient Special
“Every patient wants to feel "special" and you have treated me that way with what I know to be knowledgeable and exceptional care. You are indeed one of a very, and all too rare, few talented perfectionist and dedicated doctors, with an oceanic depth of concern for each and every patient.” - Ann

Adobe Flash Player is required to view this content.

DENTAL INSURANCE MAY BE BAD FOR YOUR DENTAL HEALTH.

While I was attending a post-doctoral educational meeting the subject of achieving and maintaining dental health came up and the lecturer (a renowned dental health educator) said  “THE NUMBER ONE HINDRANCE TO THE OVERALL HEALTH OF THE PUBLIC IS INSURANCE”.  It occurred to me that this was a pretty radical statement until I really thought about and he gave some good reasons for his statement.   Then when he was asked what advice he had for the public concerning action they could take, he said “TELL  YOUR DENTIST TO START TELLING YOU WHAT DENTAL CARE YOU NEED  INSTEAD OF WHAT THE INSURANCE COMPANY  WILL PAY  FOR AND FIND A DENTIST WHO PROMOTES HEALTH AND PREVENTION AS A PRIORITY INSTEAD OF JUST TREATING DISEASE AS SOMETHING THAT JUST HAPPENS”.   He said if people knew it was possible to get healthy and if they knew they could completely prevent dental disease there would be a constantly reducing demand for “dental insurance”.  It seemed to me this was the obvious reason that insurance companies refused to pay for highly effective preventive programs, refused to pay for microscopic cultures, refused to pay for dental antibacterial preventive programs, refused to pay  for adult fluorides,  refused to pay adequately for almost all new diagnostic procedures and refused to pay for procedures which made teeth easier to maintain or stronger.  The story is that the dentist who signs up with the insurance companies and accepts insurance company fees as his only compensation although earning little money and therefore being discouraged or prevented from performing procedures that would prevent or reduce any need for dental care MORE THAN MAKES UP FOR THIS LOSS OF INCOME/ REVENUE BY HAVING PATIENTS WHO END UP WITH CROWNS, ROOT CANALS, BRIDGES, PARTIAL DENTURES, IMPLANTS, ETC. , ETC, ETC.    When I heard this I thought that it didn’t make any sense in terms of the insurance companies’ purpose of making as much profit as possible from the sale of their policies. BUT THEN I HAD A MAJOR REALIZATION A “BOLT FROM THE BLUE” SO TO SPEAK.   BY DISCOURAGING OR PREVENTING PREVENTIVE AND ROUNTINE DENTAL CARE THROUGH MAKING IT UNPROFITABLE TO THE DENTIST, THE INSURANCE COMPANY WOULD ONLY PAY OUT A MINIMUM AMOUNT ON A 6 MONTHS  BASIS.  IF PATIENTS DELAYED NEEDED REGULAR CARE AND PREVENTIVE CARE DUE TO THE “COST” OR IF THE DENTIST DID NOT HEAVILY PROMOTE PREVENTIVE  CARE THE PATIENT EVENTUALLY WOULD END UP WITH  EMERGENCY CARE AND CARE THAT “HAD” TO BE  DONE.  WHAT THE INSURANCE COMPANY REALIZED IS THAT THIS EMERGENCY CARE AND THE CARE TO FIX THE SITUATION (i.e. – root canal , crown, bridge, implant, etc) WHEN LOOKED AT ON A FIVE YEAR OR LONGER BASIS COST THE INSURANCE COMPANY A LOT LESS THAN WHAT GOOD PREVENTIVE DENTISTRY AND GREAT DENTAL HEALTH CARE WOULD HAVE COST THEM.  HERE ARE SOME FIGURES FROM A HIGH QUALITY PREVENTIVE DENTIST:

EVERY 6 MONTHS:  ONE HOUR AND TWENTY MINUTE PREVENTIVE MAINTENANCE VISIT INCLUDING—MEDICAL HISTORY UPDATE, CLINICAL EXAMINATION BY THE DOCTOR, BITEWING X-RAYS PERIODONTAL EVALUATION,  MICROSCOPIC CULTURE,  PROPHY LAXIS , FLUORIDE TREATMENT, RE-EVALUATION OF HOME CARE EFFECTIVENESS AND INSTRUCTON AS NEEDED.

COST — $317

ANNUAL (OPTIONAL BUT RECOMMENDED) VIZILITE ORAL CANCER EXAM-

COST — $68

BIANNUAL  ADDITIONS:  COMPLETE SERIES OF X-RAYS OR PANOGRAPHIC X-RAY WHICH EVER WAS NOT DONE 2 YEARS PREVIOUSLY.

COST — $155

VIA REDUCED FEES (WHICH BY THE WAY DISCOURAGES THOROUGH DIAGNOSTIC AND PREVENTIVE CARE)

THE COST TO THE INSURANCE COMPANY— $264  PER YEAR!!!!!!!!!

AS A RESULT OF THIS POOR PREVENTIVE CARE THE AVERAGE PERSON ON A FIVE YEAR BASIS WILL END UP WITH A CROWN , ROOT CANAL, LOST TOOTH NEEDING  A BRIDGE OR IMPLANT AND  WHAT COULD HAVE BEEN AN AVOIDABLE  FINANCIAL EXPENSE OF SEVERAL THOUSAND  DOLLARS .

EVERY 6 MONTHS:  ONE HOUR AND TWENTY MINUTE PREVENTIVE MAINTENANCE VISIT INCLUDING—MEDICAL HISTORY UPDATE, CLINICAL EXAMINATION BY THE DOCTOR, BITEWING X-RAYS PERIODONTAL EVALUATION,  MICROSCOPIC CULTURE,  PROPHY LAXIS , FLUORIDE TREATMENT, RE-EVALUATION OF HOME CARE EFFECTIVENESS AND INSTRUCTON AS NEEDED.

COST — $317

ANNUAL (OPTIONAL BUT RECOMMENDED) VIZILITE ORAL CANCER EXAM-        COST — $68

BIANNUAL  ADDITIONS:  COMPLETE SERIES OF X-RAYS OR PANOGRAPHIC X-RAY WHICH EVER WAS NOT DONE 2 YEARS PREVIOUSLY.

COST — $155

VIA REDUCED FEES (WHICH BY THE WAY DISCOURAGES THOROUGH DIAGNOSTIC AND PREVENTIVE CARE)

THE COST TO THE INSURANCE COMPANY— $264  PER YEAR!!!!!!!!!

AS A RESULT OF THIS POOR PREVENTIVE CARE THE AVERAGE PERSON ON A FIVE YEAR BASIS WILL END UP WITH A CROWN , ROOT CANAL, LOST TOOTH NEEDING  A BRIDGE OR IMPLANT AND  WHAT COULD HAVE BEEN AN AVOIDABLE  FINANCIAL EXPENSE OF SEVERAL THOUSAND  DOLLARS .

THE COST OF THIS EMERGENCY OR OF THIS “NEEDED CARE” FOR  THE INSURANCE COMPANY IS THE “MAXIMUM ALLOWANCE” USUALLY  $1000. OR $1500.

FINAL TALLIES:     AFTER 5  YEARS:

COST OF COMPLETE PROGRAM PER YEAR FOR 95% OF PATIENTS AT

WILTON AND BETHEL DENTAL ASSOCIATES———————————          $733.

COST OF CARE PER YEAR FOR  INSURANCE COMPANY

WITH $1500 MAXIMUM ANNUAL BENEFIT  —————————       $564.

COST OF CARE PER YEAR PAID BY THE PATIENT WITH INSURANCE

BASED ON AVERAGE INCIDENCE OF DENTAL DISEASE  IN U.S.A.————–   $975.

NOTE THAT A PATIENT WITHOUT A COMPLETE AND EFFECTIVE PREVENTIVE CARE PROGRAM NOT ONLY PAYS MORE MONEY OUT OF POCKET, BUT DEFINITELY SUFFERS MORE DISEASE AND IS NOT AS HEALTHY! !  DESPITE SUPPOSEDLY HAVING “INSURANCE”.

, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,

No comments yet.

Leave a Reply