Dental Financing information center

Whoever warned against being "penny wise and pound foolish" must have been thinking of times like these. When the economy is just limping along (and dollars are tight at home) it's natural to look for ways to cut down on unnecessary expenses. Too often, cutting back on today's unnecessary expense leads to far greater costs just a ways down the road. And that's especially true of dental care.

Of course, your dental practitioner recognizes that every household economy goes through its own ups and downs. But they also believe that maintaining a high level of health is the cheapest form of insurance. So they'll work with you to get the dental care you need, and information on dental financing when you need it.

When you wait too long, a lot can happen.

- Gum problems don't hurt at first, so you may not even know you have disease lurking. And periodontitis can flare up despite conscientious home hygiene.

- Old fillings can leak at the margins where filling and tooth meet, inviting decay under a filling. If you let it go, it's crown time.

- A fractured tooth is often invisible and may require a root canal to save it. Waiting for it to heal usually results in dental bridges.

- If you're missing a tooth, your neighboring teeth will grow disrupted and loose.

- Topical fluorides and sealants are a good idea for children - even adults.

- Early orthodontics can save you a bundle later on.

Another wise philosopher pointed out, "There's a time in the life of every problem when it's large enough to see…and small enough to solve." It might be a good idea to look into dental financing. By catching dental problems before they grow, you'll be spared both money and discomfort in the long run.

Most everyone is feeling the economic pinch in some way or another. We can't pretend the picture is particularly rosy.

On the other hand, we've all heard the term "false economy." In difficult financial times, some people put off the dental care they need and wait for things to "get better." When it comes to dentistry, that's false economy.

We know budgets go through ups and downs. We also believe that catching small dental problems before they grow will, in the long run, save dental costs. A lot of expensive damage can happen over time.

Say you miss a regular cleaning. You're inviting gum problems like gingivitis, which multiply painlessly, to set in. Old fillings can crack or leak - decay may invade the tooth beneath the filling. Inattention to broken restorations eventually means a crown, certainly the more costly alternative to early repair.

Don't put off dentistry. Don't sacrifice your family's health for economy's sake. When it comes to your mouth, in most cases, a small problem only gets bigger - and more expensive. Preventive care is money in the bank.

Your dentist would like you to share your concerns with his or her financial coordinator. They'll do their part by helping you keep healthy with dental financing. For patients who qualify, they probably can arrange a personal dental loan plan for your care. They're there with options. And they believe good dentistry is good economy.

Imagine this: a homeowner, to save a few dollars, decides the roof shouldn't be repaired, the broken windows replaced, the leaky pipes fixed. Think that's the best way to protect such a valuable asset? Of course not.

Yet many people put off caring for the most important asset they have - their health - because of economic reasons. Penny wise and pound foolish, wouldn't you agree?

When it comes to payment for treatment, your dentist's office is committed to helping you comfortably manage your treatment and dental costs through a variety of options.

Their first concern is - always - the state of your oral health. They start by evaluating your current and future needs, and then creating an individualized treatment plan. You may be given a detailed description of their recommendations, plus an estimate of the dental fees that may be incurred.

If you're covered by dental insurance, they will map a plan to achieve the most benefits possible from your carrier. For instance, they may plan to have treatment spread over two "insurance years" to take full advantage of your available benefit dollars.

While you are always responsible for your total obligation (even if insurance benefits result in less coverage than anticipated), your dental office is available to work on an individual basis to develop a dental financing program that makes sense.

Remember that your adult teeth are the last natural set you will ever have. Economics should not stand in the way of preserving and protecting them.

What are the Costs Associated with Root Canal Treatment?

There are many factors that affect the costs and payment associated with root canal treatment. Each patient and tooth presents a different set of circumstances. Generally the cost of root canal treatment is directly related to the chair time necessary to perform the treatment as well as to the costs of the dentist staff, training, and technology that the dentist has available when performing the procedure. Be sure to ask your dentist about dental financing credit, dental treatment financing, or if there is a possible loan for dental work available.

There are many factors that influence the amount of chair time necessary to treat any particular tooth:

- The position of the tooth in the mouth.

- The number of roots and the number of canals within these roots.

- Root curvatures and the length of the roots.

- The presence or absence of calcifications within the root canal space.

Special dental considerations. For example, it may be more difficult for the dentist to work through an existing crown or a bridge than to work on a tooth with only a small previous filling. Also, some teeth may have been severely broken down by past dental disease and these may have to be "built-up" before root canal treatment can even be started so that an aseptic field can be established and maintained during treatment.

In addition to the chair time involved for treatment, other factors are also taken into consideration when determining a fair fee for root canal treatment:

The cost of technology. Dentists who use state-of-the-art technology for certain procedures have invested in microscopes, computer digital radiography, ultrasonics, and specialized training courses for themselves and for their staff. The costs of these items are shared by those patients who benefit from them.

The costs of the dental office overhead include staff, rent, and supplies in addition to many other expenses. These costs vary significantly in different areas of the country.

Fees vary among practitioners due to differences in their endodontic treatment philosophies, which in turn dictate the chair time required, the materials selected, and the technologies utilized.

In conclusion, there can be marked discrepancies in the fees charged for root canal treatment by different dentists. Ultimately, the best value for care is treatment that is done once and works over a period of many years. Conversely, the most expensive dental treatment is the treatment that may cost less initially but does not work predictably and needs to be redone one or more times. The wise dental consumer does not make a treatment decision on the basis of cost alone.

Will Insurance Cover the Cost of Root Canal Treatment?

Dental insurance will usually help with a portion of the endodontic treatment fee. A variety of dental insurance plans are available. A specific benefit package is selected contractually by each employer for the benefit of the employees. Some benefit packages may restrict or not recognize certain procedures, while in other instances the yearly maximums are unrealistic for anything other than the most basic care. The dentist will make a professional judgment and treatment recommendation based on what is best for the patient, not on what is best for the for-profit insurance company. The total fee is the patient's responsibility but the dental office will work with the insurance carrier to get the maximum contracted benefit. The patient should speak with the dental treatment coordinator before treatment begins in an attempt to estimate the available insurance benefit. Be sure to ask your dentist about patient financing, dental treatment financing, dental credit cards, or if there is a possible loan for dental work available.

by Clifford J. Ruddle, DDS, in collaboration with Philip M. Smith, DDS