7200 South 84th St., Suite #1, LaVista, NE 68128

Tags

Categories:

 

Posts for: June, 2017

June 12, 2017
Category: Uncategorized
Tags: Untagged

BUSINESS CORNER:

Do you know the history of dental insurance?  Here’s a little history lesson for  you (yes it’s summer and school is supposed to be out but ….)  Dental care was always on a pay-for-service basis until 1954 when California introduced the first actual dental insurance plans. Dental insurance plans became more popular and more widespread during the 1960s with Delta Dental leading the pack.  What became known as Delta Dental Plans began the concept of pre-payment. As these plans became more widely available during the 1970s, the maximum annual coverage was about $1,000.  These were self-owned dental insurance plans.  In the 1970s employer-based dental plans were introduced when labor unions such as the UAW made dental insurance cover part of collective-bargaining agreements. These plans typically covered 100 percent of preventive care, 80 percent of the cost of minor dental work such as fillings and simple extractions, and 50 percent of major work such as endodontic work.  Today, most insurance plans include an annual maximum deductible and benefits that start over at the start of each calendar year.  In the 1980s, Dental Health Maintenance Organizations (DHMO) began.  These, arguably, offered the first true dental insurance plans. The plans set no maximums and charged no deductibles. The patient received treatment at a reduced fee provided they saw a participating provider. This is still the basis of how the plans operate today. The provider refers patients to an in-network specialist as and when needed.  However, the reduced fee paid to the DMO dental office is so low that many dentists do not participate in those plans.  The Dental Preferred Provider Organization (DPPO, better known as PPO plans) grew out of the Delta type plans. By 2011, DPPO plans had about 65 percent of market share. Payment is based on fee-for-service. In-network providers agree to a reduced fee basis for treatment. When patients go out of network they incur higher costs.

For most dental insurance plans the calendar year maximum is still at $1,000.  If dental coverage had kept up with the rates of inflation, the average annual maximum would be close to $10,000. Can you even begin to imagine what that kind of coverage could do for our health Don’t spend too much time dreaming, because, sadly, it did not.

At this point in time, the Affordable Care Act requires that health plans include an offer of dental coverage for children up to age 18, although there is no requirement to accept dental coverage.

If you have dental insurance our dental team will do their best to maximize your dental insurance benefits.  At the same time, we ask that you learn about your insurance plan since they can be very different from each other.  We can have 10 patients with Blue Cross, for example, and all 10 plans can have different benefits, as negotiated by the employer.  Dental plans for retired patients can have very limited coverage which can be an awful surprise if the patient schedules for a crown and finds out later there is no coverage for dental crowns!!  And if you DON’T have dental insurance, or pay for your own with monthly premiums, ask us about our Good Neighbor Discount Loyalty Plan.  No premium, no deductible and no calendar year maximum – a great plan for patients of all ages!! 

CLINICAL CORNER:

June is Oral Health Month! This year's theme is leading by example, specifically giving parents the tools to teach kids the importance of establishing healthy habits like brushing, flossing and seeing your dentist regularly. 

Oral health has many links to your overall health, so equipping children early with that knowledge can lead to happy, healthy smiles for generations to come!


OFFICE NEWS CORNER:    

Another short history lesson in honor of our dads: The nation’s first Father’s Day was celebrated on June 19, 1910, in the state of Washington. However, it was not until 1972–58 years after President Woodrow Wilson made Mother’s Day official–that the day honoring fathers became a nationwide holiday in the United States.  So as we celebrate our dads, whether they are still with us or not, let’s remember:  “The imprint of the father, remains forever on the life of the child.”  - Roy Lessin 

Allure Dental is excited to be part of the Papillion Business Networking Group (PBNG). This network of small businesses meets twice a month to share networking and business growth ideas and support each other for business success.  If you need a realtor, lawn guy, roofer, chiropractor, carpet cleaner, etc., call our office and we can put you in touch with a great business owner! If you own a small business located in the Sarpy County area or that provides services to customers in Sarpy County, call for information on our next meeting.  It’s nice to be able to share information with other like-minded business owners and keep up with what’s going on in the small business community of Sarpy County!!