New Spirit Careington Maximum Care PPO Dental Plan

The Spirit PPO Dental Insurance plan helps cover the costs of dental care. Covered dental services include exams, cleanings, fillings and extractions, as well as crowns, root canals, bridges, and dentures.

This policy pays you for covered dental expenses for Careington (Maximum Care) PPO Provider or Non PPO providers (Out-of-Network) based on the contracted fee amount negotiated with Careington (Maximum Care) organization after the deductible has been satisfied.

The percentages are: 

  • 100% for Preventive Services, 40% for Basic, 20% for Major and 10% for Ortho Services in the 1st year. 
  • In the 2nd year of coverage, Basic Services increase to 80%, 50% for Major and 25% for Ortho Services.
  • In the 3rd year, Basic Services increase to 90%, Major Services increase to 60% and Ortho Services increase to 50%. 

Highlights of the plan include: 

  • Spirit Dental allows you to select your own Careington (Maximum Care) dentist.
  • Calendar Year Maximums - $1,200, $2,500 or $3,500 per insured
  • Two dental exams and three cleanings are included per calendar year
  • One series of bitewing x-rays per year
  • Space maintainers
  • Sealants (children to age 16)
  • One topical fluoride treatment per year to age 16

Major services include:

  • Simple extractions
  • Implants (endosteal only), up to the allowance for the lowest cost covered traditional procedure
  • One diagnostic x-ray, full or panoramic in any 3 year period
  • Oral surgery
  • Endodontic treatment
  • Periodontic services
  • Restoration services; inlays, onlays and crowns
  • Prosthetic services; bridges and dentures
  • Basic fillings

Children Orthodontia benefits include:

  • Orthodontic care for the proper alignment of teeth is provided only to dependent children who are under 19 when treatment is received
  • Coverage is 10% 1st year, 25% 2nd year and 50% 3rd year with a $1200 lifetime maximum per child
Continue reading
  4638 Hits
4638 Hits

Give Kids a Smile Day a big hit in Delaware

"Give Kids a Smile Day" was a big success in Upper Darby last week. Over 200 appointments were made to have children's teeth screened during the event held in Upper Darby, Delaware. This was the first year that the event was held in the upper Darby area. Eight dentists from Darby and nearby Philadelphia participated in the event.

The goal of the event is to administer immediate care then help children find a local dentist that they can see on a regular basis. The organizers want to identify children without Delaware dental insurance get them set up with dental care services year round. "We looked into a lot of mouths and solved a lot of potential problems for children this week", said the organizers.

The Give Kids A Smile program began in 2003 under sponsorship of the (ADA) American Dental Association. Dentists and other dental professionals donate their time and services to provide exams, treatments and education. The program started out as a local one day event but has expanded into both local and national events 365 days per year. Each year, approximately 450,000 children benefit from more than 1500 events, all because of the efforts of 40,000 or more  annual volunteers.

Continue reading
  2750 Hits
2750 Hits

Taking care of baby teeth

 A child's primary teeth, sometimes called "baby teeth," typically begin to appear when a baby is between six months and one year of age, are as important as the permanent adult teeth. Primary, or "baby," teeth are important for many reasons. Not only do they help children speak clearly and chew naturally, they also aid in forming a path that permanent teeth can follow when they are ready to erupt.

The ADA recommends that a dentist examine a child within six months of the eruption of the first tooth and no later than the child's first birthday. Consider a dental visit at an early age is a "well baby checkup" for the teeth. Besides checking for tooth decay and other potential problems such as thumb-sucking.

 Parents should take their children to the dentist regularly, beginning with the eruption of the first tooth. Then, the dentist can recommend a specific program of brushing, flossing, and other treatments for parents to supervise and teach to their children. These home treatments, when added to regular dental visits and a balanced diet, will help give your child a lifetime of healthy habits.



Continue reading
  3034 Hits
3034 Hits

Dental access for low income families in Connecticut increasing dramatically

Low-income children from the state of Connecticut are accessing dental care at a higher rate than most other states according to a new report. The report found that children in the state's top ten cities are seeing the dentist as often as their peers with private Connecticut dental insurance. 

Overall, about 300,000 young people in low-income families are getting dental care through the Husky A program. In Hartford and New Britain, that's 75 percent of the kids who are on welfare.

The key to the success in the increase in access has been a higher medicaid reimbursement rate paid to participating dentists which has made it more attractive for them to serve medicaid patients. Reimbursement rates for dentists hadn't been adjusted since 1993. In some instances the rates increased by 100 percent. For a cleaning the amount the dentist get went from only $24 to $65. 

Another key was consolidating the program from four dental providers to only one. The system is now easier for administrators, providers, and patients to work with. The new provider pushed private dentists to participate in a system, which no longer gave insurers incentives not to pay out claims. Members were also sent out reminders to see the dentists.

The result of these actions dramatically increased the amount of participating dental care providers across the state.

Continue reading
  2586 Hits
2586 Hits

Can your MD perform an oral health exam?

Who is the most qualified health professional to perform an oral health exam?

If you said your dentist you provided the most common and correct answer. While a medical doctor is qualified to do such an exam a dentist is more familiar with the anatomy of the mouth and is specifically trained to identify abnormalities in the mouth, including oral cancer. Therefore, an oral exam by a dentist is still the preferred approach. 

According to the Tufts University School of Dental Medicine, most oral cancers are essentially preventable and with early diagnosis and timely treatment have a good prognosis. The key element is early diagnosis! More than 90% of oral cancers occur in individuals older than 45 years.

According to the American Cancer Society, cigarette smoking is the major single cause of cancer mortality in this country. Smoking is responsible for nearly 1 in 5 deaths in the United States. Men are twice as likely to be affected as women, with the average age at diagnosis of 60 years. American consumers are living longer and therefore oral exams should be performed by dental professionals and should be part of their overall health maintenance.

Continue reading
  2840 Hits
2840 Hits

Colorado trying to expand lower income dental access

A study completed in 2011 estimates that forty percent of Colorado's 2.1 million residents lack dental insurance coverage. The study also indicated that those without Colorado dental insurance were twice as likely to skip needed dental care due to cost concerns over the coverage. 

According to a study done in 2010 by the Colorado Health Institute only about four out of ten children who have Colorado dental insurance see the dentist regularly. One reason for this could be that even though dental insurance softens the blow to the wallet it still costs money to see the dentist for major services. 

Lower income kids are at the greatest risk for tooth decay and oral health diseases. Getting them to the dentist early and regularly can not only prevent a bunch of pain and suffering it also can save the state millions of dollars in care at emergency rooms plus the loss of overall productivity at work and school.

The (ACA) Affordable Care Act has provisions for covering pediatric dental but finding dentists who will take medicaid is always a challenge. Twenty of Colorado’s 64 counties don't even have a dentist who accepts Medicaid. Only 10 percent of Colorado’s 3,500 or so dentists are considered significant Medicaid providers, meaning that they are reimbursed for at least 100 visits per year. Most avoid Medicaid because of low reimbursement rates and extensive paperwork to get qualified.

Oral Health Colorado has set several goals for 2017 that focus on Medicaid utilization:

  • Provide a dental home for every child in the state of Colorado
  • Convince parents take their children to the dentist at least once per year.
  • Dramatically increase the amount of dentist who accept Medicaid for compensation.
  • At least 65 percent of children on Medicaid would get an annual checkup; the Medicaid provider network would grow 20 percent
  • The proportion of 1-year-olds seeing a dentist for preventive care would grow from 3.4 percent to 6 percent
  • 50 percent of Medicaid-eligible pregnant women would receive oral health care.
Continue reading
  2759 Hits
2759 Hits

Are dairy products good for your teeth?

Are milk, cheese, and other dental products good for your teeth? 

Milk contains a sugar called lactose which is fortunately pretty benign as far as tooth decay is concerned. Even with the presence of lactose milk does not promote tooth decay because of the presence of high amounts of calcium, phosphate, and casein which is a milk protein that helps strengthen teeth.

Eating cheese can actually help protect teeth from developing cavities because eating cheese helps increase the flow of saliva which helps neutralize acids in the mouth. Cheese also increases calcium concentration which helps stop the demineralisation of tooth enamel. The fat that is abundant in cheese also helps reduce bacteria in the mouth.

A lump of cheese is often eaten in Europe after a meal as a desert. European cultures have known for centuries that cheese helps protect the tooth enamel after a meal by neutralizing bacteria in the mouth. So next time you have a sugary meal have a piece of cheese when you finish to help neutralize the effects of the sugars in your mouth.

Continue reading
  3027 Hits
3027 Hits

Do the health benefits of berry pigments make it past the mouth?

Research suggests compounds responsible for the rich hues in colorful fruits, like berries, promote health. However, authors of a new study warn the potential benefits of anthocyanin compounds in berries may not make it past the mouth.

To test which health-promoting substances in berries are likely to survive and be produced in the mouth, researchers of the study, from the Ohio State University, measured the extent of anthocyanin pigment degradation when exposed to saliva. 

Researchers of the study exposed extracts of anthocyanin pigments from blueberries, chokeberries, black raspberries, red grapes and strawberries to the saliva collected from 14 people. They found two families of anthocyanins were consistently broken down when exposed to saliva: delphinidin and petunidin, and four other families were more stable: cyanidin, pelargonidin, peonidin and malvidin, according to a news release from the university.

Additionally, oral microflora contributed to the degradation of all anthocyanins. The study suggests that the bacteria within one’s oral cavity are a primary mediator of pigment metabolism. The bacteria are converting compounds that are present in the foods into metabolites.

One area of great interest is whether the health-promoting benefits associated with eating anthocyaninrich fruits like berries are provided by the pigment itself, the natural combinations of the pigments in the fruit or the metabolites produced by bacteria in the mouth and other regions of the gastrointestinal tract.

Continue reading
  2908 Hits
2908 Hits

Will dental therapists gain acceptance in California?

Dental therapists receive specialized training that allow them to administer local anesthesia, perform x-rays, exams, fill cavities, pull teeth and even perform root canals. With nearly 17 millions children in the country currently lacking basic dental care dental therapists are expected to help fill the existing gap in dental care and coverage.

The majority of the children and their families do not have California dental insurance. They tend to live in areas without enough dentists or they simply can't find members of the dental community who accept Medicaid. Problems accessing dentists in California could grow dramatically in 2014, when millions more children are expected to get dental insurance under the (ACA) Affordable Care Act.

The (ADA) American Dental Association argues that dental therapists aren't adequately trained to perform the major dental work that has typically been performed by fully licensed and trained dentists. Dental lobbies in California are arguing that high school graduates with a few years of training could end up performing delicate procedures with permanent and irreversible consequences if done incorrectly.

The Children's Dental Campaign for the Pew Center on the States, and other research and advocacy groups counter that concerns about insufficient training and substandard quality are completely unfounded and are just an anticipated reaction from dental association groups whose main purpose is to protect the incomes and livelihoods of existing dentists.

They say that the therapists would be properly trained, educated, and supervised to help close the huge and growing gaps in dental care which are causing an oral health disease epidemic across the country today. Nationwide, nearly 830,000 emergency room visits in 2009 were due to preventable dental problems, according to the center. The amount of money, pain, and suffering saved by eliminating most of those visits not to mention the increase in productivity of those effected could make a real difference in thousands of families and businesses across the country.

Continue reading
  2870 Hits
2870 Hits

First Annual Arizona Dental Mission of Mercy brings relief to thousands

Thousands of local residents without Arizona dental insurance waited patiently in line at Veterans Memorial Coliseum in Phoenix, Arizona to receive free dental care at the first annual Arizona Dental Mission of Mercy.

Nearly fifteen hundred dentists, dental hygienists, dental and lab assistants volunteered to help those who could not afford dental care or Arizona Dental Insurance. The treatments included exams, cleanings, fillings, and extractions.

Many of the attendee's who waited patiently in line had not seen a dentist in years. A combination of a lack of Arizona dental insurance coverage and the cost of dental care makes it difficult for many people to afford.

Many of the children who attended the event had never been exposed to any type of a consistent dental care program. Pediatric dentist Kimberly Sherill said the number of children with dental problems is a growing problem. Sherill was inspired to contribute her expertise to this event after noticing a decline of patient checkups in her own office which reflects the challenges and declines in the overall local economy. 


Continue reading
  2843 Hits
2843 Hits

Dates set for annual Arkansas Dental Mission of Mercy

The Arkansas Mission of Mercy is an annual two-day free dental clinic sponsored by the Arkansas State Dental Association for those in Arkansas who can't afford dental care or dental insurance. All services are provided free of charge by members of the Arkansas State Dental Association who are assisted by hundreds of volunteers. The 2013 Arkansas Mission of Mercy will be held on May 31 and June 1 at Henderson State University in Arkadelphia, Arkansas. 

Since the annual event was started in 2007, over 8,084 patients have been seen in only ten total days. The number of dental procedures performed has been phenomenal: 15,967 extractions of bad teeth, and 7,738 fillings and other restorations. These donated procedures were worth an estimated $4 million.

The event provides dental care for the relief of pain to residents of Arkansas who can't afford dental care and don't have Arkansas dental insurance. Most of the participants are from working families who do not have access to dental care. The majority of these patients might otherwise have no hope of receiving care if it wasn't for the generosity of the sponsors of this annual event.

Continue reading
  3007 Hits
3007 Hits

Oral health disease runs rampant in Alaskan Native Villages

One of the greatest health care challenges in Alaska is oral health disease among Alaskan Native populations. Children in particular are suffering from oral diseases at epidemic proportions. The saddest part of this story is that most of the disease and suffering can be easily prevented with access to basic dental care. A major roadblock to preventing that suffering is finding dentist's who practice in or are even travel willing to remote area's on America's last frontier.

The leaders of Alaska's Native Villages have partnered with the W.K. Kellogg Foundation to help deal with oral health issues within their population. The training of local mid-level dental practitioners to help take care of basic dental treatments is a possible solution. Dental Therapists as they are called work under the supervision of dentists and currently provide access to approximately 35,000 Alaskan Natives scattered across remote area's of the frontier.

Prevention through education, diet, and technology are also area's that are under renewed scrutiny by local health authorities. Most of the villages lack access to a fluoridated water supply. That combined with a diet high in soda pop and sugar are major contributors to a high rate of tooth decay. Dental education programs have been put in place at the tribal level to educate children and parents about how they can prevent tooth decay and gum disease through diet, habits, and modified behavior in the home.

Access to needed dental services and Alaska Dental Insurance is not unique to just the frontier area's of the state of Alaska. An estimated ten thousand new dentists are needed nationally of help fill the current access gap that exists in dental care. Over 130 million American's nationwide are without any form of dental insurance and that number continues to rise on a daily basis.

Continue reading
  2666 Hits
2666 Hits

Free Dental Day in Alabama

Alabama Family Dental participated in sponsoring its fifth annual free dental services day for individuals and families in Mobile, Alabama who do not have Alabama dental insurance and cannot afford dental care.

Nearly 100 people who did not have Alabama dental insurance participated in the event. Three dentists from the clinic, their hygienists, and assistants provided oral exams, x-rays, cleanings, fillings, and extractions at no cost.

Dr. Jennifer Milazzo of Alabama Family Dental was quoted as saying, "We understand that people's lives may be busy and treatment may be expensive, and we just feel like we need to help people who otherwise can't afford it or get it done."

According to the US Department of Health and Human Services over 108 million American's do not have dental insurance and many of those affected are children who are not receiving basic and fundamental dental care at an early age. Increased access to pediatric dental insurance programs has been a major goal of the (ACA) Affordable Care Act.

Continue reading
  2846 Hits
2846 Hits

Three million more children could have dental insurance by 2018

A recent ADA News story on the potential effects of the (ACA) Affordable Care Act on dentistry stated that an estimated 3 million children will gain dental benefits by 2018 through health insurance exchanges, roughly a 5 percent increase over the number of children with private benefits currently. 

Beyond the exchanges, more children will benefit through employer-sponsored dental benefits with dependent coverage, "although the number is uncertain at this time," the Association said.  

The law includes pediatric dental coverage in a list of essential health benefits to be provided by small and individual group health plans. The ACA does not address coverage for adult dental benefits. However, some states are looking at adult coverage as a potential optional benefit after the ACA-mandated health benefit exchanges are in place.

Continue reading
  2557 Hits
2557 Hits

3 Simple Health Tips for Feeling Better

While we all know some of the standard practices for staying healthy and feeling good - eat a balanced diet of moderate amounts, wash your hands regularly to avoid germs... here's three other simple tips to stay healthy and feel better more of the time:

Get a good night's sleep.  Not everyone needs 8 hours, but that's a standard. Whatever amount is your 'good' amount, work to get that much every night, consistently.  Some say that the amount of that time slept before midnight is of higher quality. 

Move.  Yep, that's right. Not 'hit the gym for 3 hours' or run a marathon or swim the channel, but just get up and move around regularly.  Walking continues to be regarded as one of the best types of exercise for humans. 

Take care of your teeth.  

Besides the superficial aspects of what having a nice, clean, white smile does for your sense of feeling good, many problems - and pain - can originate with your teeth and in your mouth. Researcher have found that the plaque buildup and gum disease can lead to inflammation, which can lead to heart problems.  Plus, as you age, bad dental health conditions can lead to major problems. 

Get your teeth cleaned regularly with a preventative care package available with Spirit Dental (and other plans) so you can avoid problems in the future. 

Continue reading
  2513 Hits
2513 Hits

Fluoride helps dental health in adulthood decades later

Fluoridated drinking water and fluoride in over-the-counter and prescription toothpastes are widely credited with the large reduction in dental cavities seen since these products were made available beginning in the early 1950s.

Fluoride is the 13th most common element in Earth's crust, and it is naturally present in high concentrations throughout the United States and elsewhere. Fluoride bonds with the enamel of our teeth which hardens them against the acids produced by bacteria in our mouths that can cause tooth decay.

Studies have confirmed the most effective source of fluoride to be water fluoridation.
Its use in toothpaste and its addition to city water supplies across the United States sparked a controversy 60 years ago, and the dispute continues to this day. In the United Kingdom, and in other European Union countries, fluoride is used to a much lesser extent due to fierce public opposition.

More than 144 million United States residents in more than 10,000 communities drink fluoridated tap water, providing an automatic defense against the harmful ingredients that cause such a preventable oral health disease.

Children drinking water with added fluoride helps dental health in adulthood decades later. Your fluoridation exposure at birth is affecting your tooth loss in your 40s and 50s, regardless of what your fluoridation exposure was like when you were 20 and 30 years old.

For children whose adult teeth haven't shown yet, fluoride still improves tooth enamel, the highly mineralized tissue on teeth's surface. Fluoride also helps teeth damaged from the decay process and breaks down bacteria on teeth.

Fluoride varnishes are typically used for patients who don't receive enough fluoride from other sources. Keeping fluoride in the mouth enhances its ability to arrest de-mineralization and promote re-mineralization, and varnishes are better for this purpose than fluoridated drinking water or toothpaste.

Varnish, applied quickly and easily by a dentist, is one of the most concentrated products available commercially. Varnishes that contain sodium fluoride adhere to tooth surfaces when saliva is present, providing an excellent fluoride treatment.

Continue reading
  2578 Hits
2578 Hits

Links between smoking and gum disease

There has always been a significant link between smoking and gum disease. According to a new study at Ohio State University, smoking causes the body to turn against its own helpful bacteria, leaving smokers more vulnerable to gum disease, and tooth decay. Smokers suffer from a much higher rate of oral disease than the non smoking population. Research shows that cigarette smoke wipes out good bacteria in the mouth making the tissue much more susceptible to attack from bad bacteria. The mouth is an interesting environment full of both good and bad bacteria. The mouth develops what is called a bio-film which plays host to these bacteria. If the good bacteria keep getting wiped the bad tends to thrive and that is where oral health problems begin.

In a recent study researchers at Ohio State University took oral sample of bio-film from 15 smokers and 15 non smokers after a series of annual cleanings. The researchers found that with non smokers disease associated bacteria was largely absent. In contrast the smokers in the group started colonizing harmful pathogens within the first 24 hours. It took much longer for smokers to form a stable microbial community. When it did become established it was much more pathogen rich than the bio-film in the mouth of non smokers. Researchers found that smokers also tend to have more cases of red and swollen gums (gingivitis) because the body is mounting defense against the increased risk of infection. Left untreated this can lead to the irreversible form of bone loss called periodontitis.

Researchers are advising dentists that they need to treat the oral health needs of smokers much more aggressively. It starts with making the patient aware of the need to promote a healthy bio-film in the mouth after cleanings. It should also evolve into more dentists becoming involved in recommending smoking cessation programs. This hasn’t been the role of the dentist in the past but more and more of them are beginning to take an active role.

Continue reading
  2547 Hits
2547 Hits

Dental exams can be extremely valuable for overall health

Usually, when you think of going to the dentist, you’re thinking about teeth.  Cleaning teeth, maybe there’s a problem with a tooth – a cavity,  a chip, discoloration – maybe you’re thinking about braces or other straightening needs… or the dreaded root canal problems. 

However, did you realize that the dentist may be able to recognize and diagnose numerous other potential problems with your health?

According to Dawn West, DMD, RN with Tuffs University School of Dental Medicine, when you go for a dental checkup you might actually be saving so much more than just your teeth or find out about other oral health related complications, because the mouth is the gateway to your entire organism and there might be several important signs of other diseases existent in there.

Some of the other non-dental related diseases that a dentist can spot include the sexually transmitted diseases (STD), diabetes, heart disease, and even several types of cancerous diseases.

The dentist is basically looking in your mouth for signs of different diseases such as inflammation, bleedings, dry mouth or sores, and damages to the gum line. Some other dentists do actually perform neck and head exams, Blood pressure and even blood sugar or other blood issue tests.

So don’t look at that dentist visit as simply a pain that has to be done every 6 months, think of it as a great check up on your overall health! 

Continue reading
  2412 Hits
2412 Hits

Over 130 Million Americans are without dental insurance

According to a report released last week by the Senate Subcommittee on Primary Health and Aging more than 130 million Americans do not have dental insurance and in many cases are unable to pay for the out of pocket cost of paying for a dental check-up. The subcommittee is aware that peoples’ lives are being disrupted by chronic toothaches and gum problems but are unable to find affordable dental care for themselves and their families. The goal of the subcommittee is to come up with a plan to do better and help the dental community do a better job of serving low income families.

Some interesting facts illustrating the national dental crisis:

  • One quarter of all adults in the United States ages 65 and older have lost all their teeth.
  • More than 47 million people live in places where it is difficult to access dental care.
  • In 2009, there were more than 830,000 visits to emergency rooms across the country for preventable dental conditions, a shocking 16 percent increase since 2006.
  •  Inadequate or non-existent dental health maintenance has a profound impact on overall health, including an increased risk for diabetes, heart disease and poor birth outcomes.
  •  Many Americans are forced to live with extreme pain because of dental disease.
  • Dental diseases have prevented millions of Americans from getting a job.
  • Medicare doesn’t cover any dental care whatsoever.
  • Thousands of retiree’s are losing their dental insurance at retirement.
  •  One third of all Americans do not have dental coverage.
  • Only 45 percent of Americans age two and older saw a dental provider in the past 12 months.
Continue reading
  2503 Hits
2503 Hits

Truth About Teeth

This is a common scenario in Kansas for those who don’t have dental insurance. Let’s say one of your teeth starts to crumble and you have to go to a dentist. The cost to have a root canal and a crown can run as high $2000. The dentist is going to want his money at the time of service. What will you do if you don’t have the money?

The simplest solution is to perform an extraction to solve the problem. It costs around $200 and the patient while losing the tooth does begin to feel much better because the infection is out of the body. Another alternative would be to visit a local university that has a school of dentistry.

Many dental schools offer reduced-cost services to patients in need. Don’t expect them to foot all the costs for restorative dental work but they can help reduce costs significantly. Even before you start to experience the pain of a toothache the health of your teeth could be giving you problems that impact your overall health.

The Kansas Health Foundation wants to get that information out in a new public-health campaign to address what it calls a crisis in oral health in Kansas. In a campaign called “Truth About Teeth,” the foundation will use words such as “decay” and “gross” plastered across mouths on billboards and in other ads to get people’s attention and give them some fact about the state’s dental condition.

Some interesting facts about dental care in Kansas:

  • 58% of Kansas third graders have experienced tooth decay
  • Ninety-three counties in Kansas do not have enough dentists to serve their residents, and 13 have no dentists at all.
  • Kansas hospitals reported more than 17,500 visits to emergency rooms for dental-related problems in 2010.
  • Kansas ranks 18th in the United States for total tooth loss among senior citizens.
  • Only 25 percent of Kansas dentists accept patients insured through Medicaid.
Continue reading
  2297 Hits
2297 Hits