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.
You know you should see the dentist about that nagging tooth or gum problem, but you keep putting it off. Truth be told, you're a little nervous that your treatment visit might be unpleasant.
In one sense, your concern isn't unreasonable: The teeth and gums abound in nerves that are more than effective in signaling pain. Even minor dental procedures can trigger discomfort. In another sense, though, there's no need to worry, thanks to pain-numbing techniques using local anesthesia.
The term “local” is used because the applied anesthetic only affects the area and surrounding tissues needing treatment. The anesthetic drugs temporarily block nerve electrical impulses from transmitting pain signals to the brain. Unlike general anesthesia, which requires placing a patient in an unconscious state, a patient can be awake, yet feel no sensation around the anesthetized tissue.
Dentists typically use a two-step method to prevent patients from feeling any pain during a procedure. First, they apply a topical local anesthetic to the surface of the gums. Once these top layers have been numbed, they numb the underlying tissues by injecting the anesthetic with a needle. The goal of a topical application is to ensure the patient doesn't feel the prick of the needle used for deep tissue anesthesia.
Dentists follow strict protocols using anesthesia that have been developed over several decades. As a result, local anesthesia has revolutionized dental care and greatly reduced patient discomfort safely and effectively. Its effectiveness has in fact led to a common complaint that the numbness may linger long afterwards. But that also has been addressed with better combinations of anesthetic drugs to reduce the duration of the numbing effect.
And not only does local anesthesia make for a more relaxing and pleasant experience, it also benefits the dental provider. Dentists tend to work more efficiently when they know their patients aren't in discomfort, which can result in better treatment outcomes.
If you've been putting off a trip to the dentist because you think it might be painful or uncomfortable, put those concerns to rest. With the help of local anesthesia, dental treatment can be relaxing and pain-free.
If you would like more information on having a pain-free experience at the dentist, 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 “Local Anesthesia for Pain-Free Dentistry.”