1. Dental Plan Design Features - ANSWERThree factors that affect the cost of a dental plan include:
1. The design of the plan
2. Characteristics of the covered group
3. The employer's approach to plan implementation
10 categories of dental treatments - ANSWER1. Diagnostic- routine oral exams ...
1. Dental Plan Design Features - ANSWERThree factors that affect the cost of a dental plan include:
1. The design of the plan
2. Characteristics of the covered group
3. The employer's approach to plan implementation
10 categories of dental treatments - ANSWER1. Diagnostic- routine oral exams & x-rays to determine
the existence all disease & evaluate the condition of an individual's mouth
2. Preventative - procedures to preserve & maintain dental health including cleaning, space
maintainers, topical fluoride applications and the like
3. Restorative - Procedures for the repair & reconstruction of natural teeth including the removal of
decay & installation of fillings
4. Endodontics - treatments of dental pulp disease & therapy such as root canal treatments
5. Periodontics - treatment of the gums & other supporting structures of the teeth such as
periodontal curettage & root planing
6. Oral surgery- tooth extraction and other surgery of the mouth & jaw
7. Prosthodontics - construction, repair & replacement of missing teeth, including fixed prosthesis
such as onlays, crowns & bridges & removable prostheses such as bridges & dentures
8. Orthodontics - correction of malocclusion & abnormal tooth position through the repositioning of
natural teeth
9. Pedodontics- treatment of children who do not have all their permanent teeth
10. Implantology - use of implants & related services such as overdentures, fixed prosthesis attached
to implants & the like to replace one are all missing teeth on an arch
In addition to treatment or service, typical dental plans include provisions for palliative treatment
(That is, procedures to minimize pain including anesthesia) emergency care and consultation.
2. Dental plan design features - ANSWERSeveral issues to be addressed in designing a dental plan
include:
1. The type of plan
, 2. Deductibles
3. Coinsurance
4. Plan maximum
5. Treatment of pre-existing conditions
6. Whether coverage services should be limited
7. Questions concerning orthodontic coverage
Advantages of lifetime deductibles - ANSWERHas the advantage of avoiding the cost to the plan of
the accumulated dental neglect of the participants. The claim is that individuals are not denied
coverage but merely induced to invest in their own dental health as a condition precedent for
adequate dental coverage
Combination dental plan - ANSWERA plan in which certain procedures are reimbursed on a
scheduled basis while others are reimbursed on a non-schedule basis. These type of plans seeks to
provide a balance between the need to emphasize preventative care and cost control. The
combination approach shares many of the same disadvantages as scheduled in our schedule plans at
least for certain types of expenses
Basic difference between medicine and dentistry - ANSWER1. Physicians typically practice in groups,
while many dentists practice almost exclusively in individual offices. This isolation tends to produce a
greater variety of dental practice patterns that exist in medicine and doesn't allow for the same
opportunities for peer review & general quality control
2. Many individuals may require only preventative or no medical care for years but, because of the
need for preventative dentistry, the need for regular dental care is almost universal to ensure sound
oral hygiene. So, individuals routinely visit their tennis for preventative dental care, but in medicine a
patient may visit a physician only with certain symptoms
3. Because of his emphasis on prevention, dental treatment often is considered elective and Is
sometimes postpone unless there is pain or trauma. Because there is no life-threatening urgency, the
patient may postpone treatment.
4. Because the need for major dental care is neither life-threatening nor time critical, dentists charge
for a major courses of treatment can be discussed in advance of the treatment, allowing the patient
the option of deferring the treatment or not having it at all
5. While medical care is really cosmetic, dental care often is
6. Dentistry often offers a variety of alternative procedures for the treatment of disease and
restoration of teeth that may be equally efficient but can vary wildly in the degree of complexity and
cost
7. Dental expenses generally are lower, more predictable & budgetable, with the average medical
claim being much higher than the average dental claim
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