Posts for: November, 2014
You may have seen Kathy Ireland on the cover of Sports Illustrated, but did you know that she is now a business mogul?
Through it all, Ireland has kept her model good looks, and that includes a bright, glowing smile. In a recent interview with Dear Doctor magazine she said that keeping her smile has required ongoing maintenance and more.
It seems that Ireland is a bit of a daredevil. She described a moment of fun with her children when she tried to stand in their wagon and “wagon surf” across her driveway. It ended badly when she crashed into her parked car and suffered a broken nose, split forehead and several broken teeth. “I learned that my love of adventure exceeds my coordination,” she commented.
Ireland was born in Glendale, California in 1963. She demonstrated her drive to succeed early in life, starting at age 4 when she and her sister sold painted rocks from their wagon. Later she had a paper route. She began modeling at 17, with the goal of earning enough to pay for college or to start a business. In her successful modeling career she graced the covers of Glamour, Cosmopolitan, Harper's Bazaar and Sports Illustrated. Her first cover for Sports Illustrated, the publication's 25th Anniversary Swimsuit Edition, was the magazine's best-selling swimsuit issue to date.
In 1993 she founded her marketing and design firm, kathy ireland Worldwide. Now a billion-dollar industry, the firm sells fashions such as wedding gowns and bridesmaid dresses, as well as a wide range of items for home and family.
She has also written a number of books teaching others how to be successful — based on her own experience — as well as three children's books.
Discussing her oral health, Ireland says that she required serious professional assistance on more than one occasion. When she was a child she knocked out a tooth and later knocked it loose again. As an adolescent she wore braces for about three years. After the driveway incident she needed numerous veneers and dental implants to replace a lost tooth and restore her smile.
Her maintenance routine includes regular flossing and brushing, and she has her teeth cleaned every six months. She keeps up on her reading about the latest in research on dental health, and encourages her three children to floss and brush their teeth, to limit eating sweets and to do what they can to avoid injuries to their mouths and teeth.
Most of us think of insurance as a means to protect us and our families from unforeseen loss. While that’s the general definition, some insurance plans — like dental — don’t quite work that way.
The typical dental plan actually works more like a discount coupon for dental services. Most are part of an employer-based benefit package and usually “fee-for-service”: the insurance company pays for part or sometimes the entire bill after your dental visit based on a fee schedule laid out in the policy.
A plan’s benefits depend on what the insurer offers to cover and what level of coverage your employer (or you) are willing to pay for. Typically, the more items covered under the policy, the higher the premium. Any deductibles (the amount you must pay out of pocket before receiving any plan benefits) can also affect the premium — the lower the deductible, the higher the premium.
The benefits may also be limited due to what a patient’s dentist charges for services. Most insurers pay benefits based on what they determine to be the “usual, customary and reasonable” (UCR) fee for a particular service. The dentist’s fees are most often higher, however, resulting in the patient paying a higher percentage of the bill.
Still, a dental plan can work to your financial advantage, especially if it’s employer-based with premiums paid by your employer. It may not be advantageous, however, if you’re paying the premiums. For example, a person without insurance might spend on average $200 a year for basic dental care (mostly preventative — checkups and cleanings), while a person with insurance may have those expenses covered, but are paying yearly premiums of $500 or more for the plan.
You should also consider one other factor: our first priority as dentists is to pursue the best course of treatment for your particular dental needs, which may not always align with what your policy covers. At the same time, we understand the limitations you may be under with your plan — we work in this world every day. We’ll certainly assist you in navigating the insurance waters to achieve the best care for what you can afford.
If you would like more information on dental insurance and other financial arrangements, 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 “Dental Insurance 101.”