Many employer-sponsored health care plans do not include dental
insurance, and those that do will
typically offer only limited benefits. Individual private insurance is often
too costly to be feasible. And
Medicaid and
Medicare offer only
limited safety nets.
For most people, a toothache that turns into an expensive procedure like a
crown or implant means thousands of dollars out of pocket while routine checkups,
cleanings and fillings cost only a smalll fraction of it.
Even if you’re fortunate enough to have some kind of coverage, you have
probably discovered just how little it pays if you have big problems. Most
dental policies pay for preventive care like twice-a-year checkups, but cover
only a fraction of higher-cost procedures like root canals. Even fillings can
get short-changed, if the insurer decides the tooth-colored filler the dentist
used was too “cosmetic” for the pothole being patched.
At the same time,
dental
care costs are rising faster than inflation, just as the evidence mounts
that taking care of your mouth can be a critical gateway to good overall
health.
The health care bills circulating in the House and Senate include dental
care provisions for children, which is good. But it also means that for most of
us relief from dental bills is not likely to come soon. That leaves it up to
consumers to find smart ways to reduce their dental care costs without
sacrificing their oral health. So we asked experts and patients for advice.
PREVENTION
Taking care of small problems keeps them
from becoming big ones. Enough cannot be said about prevention, according to
Dr. Matthew Messina, consumer advisor for the American Dental Association and a
dentist in Cleveland.
Left unchecked, a small cavity that would cost about $100 to fill can easily
turn into a $1,000 root canal. Skip those $80 cleanings each year, and you may
be looking at $2,000 worth of gum disease treatments. An abscess that
lands you in the emergency room will set you back hundreds of dollars for the
visit, “and you’ll still have to go see a dentist, because emergency rooms
don’t handle dental work,” said Dr. Messina.
Finally, your dentist also routinely looks for more serious problems, like oral cancer.
More than 35,000 cases are diagnosed each year, according to the
American Cancer Society.
Early detection, usually during a dental checkup, is critical to successful
treatment.
"Patients who stay on top of their dental maintenance schedule enjoy the best of oral and overall health and end up saving themselves from unnecessary pain and expense" says
Dr. Cherukuri from her
Chino, California Dental Practice.