Posts for: December, 2020
If you're among the estimated 14 million families with a healthcare flexible spending account (FSA), New Year's Eve has an added meaning—that's typically the deadline for using any current year funds. Since any remaining money in your FSA could go poof at the stroke of midnight on December 31st, you might be looking for a way to spend it. If so, consider a dental health boost for you and your family.
FSAs were created in the 1970s by the U.S. Government as a salary benefit that employers could offer employees. Instead of receiving all of their pay as taxable income, employees could designate a portion of it (currently up to $2,650) in a non-taxable account to use for certain medical and dental expenses. An FSA thus provides families a way to pay for uncovered healthcare costs while saving on their taxes.
But because most FSAs expire by the end of the year and then restart with a fresh balance in the new year, there's a natural concern that you will “use or lose” remaining money. People thus begin looking for eligible expenses like treatments, prescribed medications or eyeglasses. They can't, however, use them for items like over-the-counter medical products (though some pain relievers get a pass this year because of COVID-19), as well as most things cosmetic.
The same generally holds true for dental expenses—you won't be able to use FSA funds for procedures like teeth whitening or veneers. Toothbrushes and other routine oral care products are also ineligible, although you may be able to buy items like a water flosser if your dentist issues you a Letter of Medical Necessity (LMN).
Still, there's a wide range of eligible dental items you could pay for with remaining FSA funds.
Prevention measures. Any procedures or treatments intended to prevent disease are typically FSA-eligible. These can include measures like regular dental cleanings, sealants or fluoride applications.
Disease treatment. FSAs cover procedures like fillings, extractions, gum surgery or root canals. This could include repairing damage from disease through dental bonding or crowns, which might also improve your smile.
Dental restorations. Missing teeth restorations like bridgework, dentures or dental implants are also covered. These may improve your appearance, but they primarily restore disrupted dental function.
Out-of-pocket expenses. Although you can't pay for dental insurance premiums, an FSA may be able to help in other ways. You can use FSA funds for co-pays or any remaining out-of-pocket expenses.
If you're not sure what dental expenses might be eligible for FSA funds, give our office a call and we can provide you guidance. If FSA funds can help, you'll be able to improve your dental health—and possibly your appearance—before you ring in 2021.
If you would like more information about managing your dental care, please contact us or schedule a consultation.
Brushing and flossing daily, and dental visits at least twice a year: These are the essential things you should be doing to protect your teeth and gums against dental disease. But you're also getting an automatic assist from your body through saliva, that humble fluid swishing around in your mouth, to protect your oral health.
It's more than simply “mouth water”: Without saliva and its various components, your risk for tooth decay or periodontal (gum) disease would be much higher. Here are 4 ways saliva helps you keep your teeth and gums healthy.
Cleansing. Chewing prepares your food for digestion, but in the process produces tiny particles of food debris. Settling on tooth surfaces, these bits become part of the dental plaque that forms on your teeth and develops the ideal breeding ground for disease-causing bacteria. Saliva helps rinse away much of this debris—particularly sugar, the primary food source for bacteria.
Protection. Saliva is the first line defense against disease-causing microorganisms entering the mouth. The primary source of this protection is a protein-based antibody called Immunoglobulin A (IgA), which directly fights infection-causing organisms. Another protein in saliva, lactoferrin (also found in tears), interferes with bacterial growth.
Buffering. The main enemy of tooth enamel is mouth acid, produced by oral bacteria and the foods that we eat. Saliva neutralizes acid to help the mouth maintain its normally neutral pH range. And it works fast: Saliva can buffer acid and restore balance within thirty minutes to an hour after eating.
Re-mineralization. It's normal for acid to build up after eating, and for it to quickly remove minerals from surface enamel, a process called de-mineralization that can soften and weaken the enamel. But saliva helps restore some of these lost minerals as it's neutralizing acid. This re-mineralization re-strengthens enamel against tooth decay.
Saliva is so important for maintaining a healthy mouth, it's worth your efforts to protect it. Diminished saliva production not only produces an unpleasant dry mouth, it may increase your risk for disease. If this is a constant problem, speak to your dentist about causes and remedies. You'll be doing your teeth and gums a favor.
If you would like more information on the role of saliva in maintaining oral health, 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 “Saliva: How it is Used to Diagnose Disease.”
In looking at options to replace your missing teeth, you might have heard others rave about dental implants. You're almost sold on this innovative restoration method—but you're a little skittish about the upfront cost.
Here are 3 reasons why getting dental implants to restore your missing teeth is a sound investment.
A solid long-term solution. Based on findings from over 3 million implant installations over the last forty years, more than 95% of implants continue to successfully function after ten years—and many are on track to last decades. That's something that can't be said for other forms of restoration. An implant's large upfront cost could in fact even out over the long-term and ultimately cost less than other restorations that may need to be replaced sooner.
A benefit to bone health. One of the more negative consequences of missing teeth is ongoing bone loss, a process that can continue to occur even when teeth are replaced by dentures or bridges. But bone cells readily grow and adhere to the titanium metal implant imbedded in the bone, slowing or even stopping continuing bone loss. If for no other reason, their positive impact on bone health is a top reason for choosing implants.
A range of choices. Replacing multiple missing teeth individually with dental implants can be quite expensive. But individual tooth replacement is only one of the ways implants could benefit you. It's possible to place just a handful of implants along the jaw to support other types of restorations like bridges and partial or full dentures. Not only is this cost-effective, but the implant-supported restoration may be more stable and secure. And these implants may also contribute to bone health.
But before you make your decision, visit us for a complete dental examination. We'll assess if your dental condition makes you a good candidate for implants, and then provide you more information on the process and costs.
If you would like more information on dental implants, 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 Implants 101.”