April 2021 - Carolina Complete Dental Blog

April 27, 2021

Goose Creek dentists, Dr. Barganier, Dr. Zuffi, Dr. Williams, and Dr. McAdams of Carolina Complete Dental discuss buy-up dental insurance and how it can prove to be a valuable investment for patients. When it comes to dental insurance, it seems like there can be as many (or more) questions as there are answers. Even when you are fortunate enough to have dental insurance, navigating its use can still be very confusing. Many people don’t give their dental insurance a second thought – until the day comes when they need to use it. Today, Dr. Barganier, Dr. Zuffi, Dr. Williams, and Dr. McAdams at Carolina Complete Dental would like to talk to you about an option not everyone knows about – “buy-up” dental insurance.

What is “Buy-Up” Dental Insurance?

“Buy-up” dental insurance allows enrollees with group insurance to “buy-up” to more generous benefits by paying higher monthly premiums and receiving more comprehensive dental coverage in return. The differences between “regular” and “buy-up” dental coverages are easy to pinpoint when benefit summaries of the plans are viewed side by side: “buy-up” dental calendar year maximums are higher, annual deductibles are lower, and a percentage of more extensive restorations like bridges, crowns, dental implants, and sometimes even orthodontics are covered, while regular group dental insurance plans often provide little to coverage for these procedures. As with any other insurance plan, whether dental providers are in-network also factors into the level of coverage when considering “buy-up” dental.

Is “Buy-Up” Dental Insurance Worth the Added Cost?

When the only factor under consideration is economics, one recent study would likely call it a draw. The sample showed the average insured household spent $978 in out-of-pocket dental costs – including premiums – while the average uninsured household spent $1,007 – a mere $29 difference. If “buy-up” dental insurance becomes an option for you, the specific pros and cons of your individual and family situation will need to be weighed when you choose your insurance plan.

If you are a weekend hockey player, have kids that need orthodontia, or just tend to be unlucky when it comes to your teeth, it’s hard to put a price tag on your peace of mind. Dental insurance can be a saving grace for those with unusually high dental expenses from serious financial hardship, and better-than-average coverage would only ease the burden.

It may seem like a gamble to dig into your pockets and invest more money in a higher-priced dental plan when the extra coverage may never be needed. However, to reiterate – many people don’t give their dental insurance a second thought until the time comes when they NEED it – and when you need your dental insurance, you really need it. Some of the most expensive dental procedures are also the most unexpected and in many cases, they are true medical emergencies that require treatment.

One way to think about “buy-up” dental insurance is to compare it to enhanced towing coverage for your vehicle, such as the type offered by AAA. You can pay one nominal annual fee that covers unlimited towing costs, so no matter where your vehicle breaks down within a certain geographical radius, there will be no additional cost to you for your car to be towed. If you carry this coverage, your vehicle may not break down during that coverage year and your benefits may never be used, but if your vehicle does break down and you do require towing, the annual premium price is about the same or less than one tow, and the coverage has paid for itself with just one use.

Dr. Barganier, Dr. Zuffi, Dr. Williams, and Dr. McAdams and our team are always happy to discuss your insurance coverage, as well as your other financing options if you need additional help working dental care into your budget. Contact us anytime – we’d love to help!

The content of this blog is not intended to be a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of qualified health providers with questions you may have regarding medical conditions.

April 13, 2021

Goose Creek dentists, Dr. Barganier, Dr. Zuffi, Dr. Williams, and Dr. McAdams at Carolina Complete Dental break down the science of calcium and gives calcium-rich advice for a healthy diet for your little ones. Calcium. We regularly hear how important calcium is for our kids’ diets. It’s vital for healthy growth. Calcium is a building block for strong bones. It helps with hormone balance and keeps the heart pumping and blood circulating normally. But, did you know that calcium is also vital for healthy teeth?

Calcium builds strong bones. Years of milk commercials (backed by years of research) have firmly planted that information in our brains. In fact, 99% of the calcium in the body goes to building healthy bones and teeth. Calcium is the hard mineral that makes bones hard, and it also makes the enamel that surrounds our teeth the hardest substance in the human body.

The 1% Difference

Since 99% of the calcium in the body is in the teeth and bones, you might think there’s always enough for the teeth, but it turns out that’s not always the case. Because regulating heart rhythms and hormone balance is necessary to stay alive, if there isn’t enough calcium for these vital functions from food, the body will take it from anywhere it can get it.

Unfortunately, that means your body and your kids’ bodies will take calcium from the teeth and bones to keep enough of it for other necessary jobs it has in the body. Teeth without enough calcium can develop demineralized spots–dull white spots on the teeth that are not as strong as regular enamel. Those spots are fragile and have a high risk of turning into full cavities.

Who’s at Risk?

Not having enough calcium in your diet may not sound as scary as the big bad wolf, but it’s far more worrisome in real life. More than half of both boys and girls 9-13 routinely get less than half of the calcium required for good health at their age. The National Institutes of Health identifies several groups that are chronically at risk of inadequate calcium. They include girls 4 and older, especially adolescent girls, and boys age 9-18. Women who are pregnant also need additional calcium to support bone development in the growing baby.

What Foods are Calcium Champs?

When we say calcium, we often flash back to those milk ads. It’s true; there is a lot of calcium in dairy. That includes milk, yogurt, and cheese. But, not all calcium-rich foods are dairy-based, which is good news for those who do not eat dairy.

Sardines pack more calcium per 3-ounce serving than calcium-fortified orange juice, but the orange juice will probably be easier to convince your children to consume. Dark green leafy vegetables like kale, bok choi, Chinese cabbage, and turnip greens also pack a calcium punch. Even a corn tortilla can provide 5% of the recommended daily value for calcium.

What About Supplements?

Calcium supplements are commonly used to make up for a lack of calcium in the diet. They can be a good choice to help when there is no way to make up the calcium by better eating, but they require a little extra care. Food-sourced calcium is easier for the body to process. Calcium carbonate is less expensive, but harder to absorb and can be hard on people with stomach issues. Calcium citrate is easier to absorb, but is more expensive and can be harder to find.

Too Much of a Good Thing?

Sometimes with supplements, you can run into “a little is good, more is better” mentality. That’s just not the case. There’s an upper limit to how much calcium your body can safely process in a day. The smaller the body, the smaller the limit. While it’s very unlikely that you would exceed that limit with food alone in your children’s diets, supplements, particularly gummy ones with candy flavors, can increase the risk of having too much. As with most things in life, balance is key.

Mindful Eating

With some care and attention, it’s possible to keep your family healthy and calcium-rich, making your dental visits more pleasant. If supplements are necessary, they are readily available. Healthy calcium builds healthy teeth, so build healthy eating habits and keep your teeth ready to eat with you (and your family) for a lifetime.

If you have any questions about calcium, tooth decay, or any other oral health topics, please contact your Goose Creek dentist, Dr. Barganier, Dr. Zuffi, Dr. Williams, and Dr. McAdams at Carolina Complete Dental today! We would be more than happy to talk with you about a healthy diet to help your little one grow up strong and healthy.