Well, its been three weeks now that our new dentist, Dr. Saema Qadri DDS, has been with us. I have several thank you's that I need to mention.
First off, thank you Saema for choosing Fox Valley Dental Care as the practice that you wanted to work with. You have been a breath of fresh air as you bring a brightness to the office with a smile and a willingness to treat our patients with such tenderness and care. Starting your career right out of dental school can be a challenge, yet you have handled yourself exceedingly well. Welcome to our practice.
And second, I'd like to thank the patients of Fox Valley Dental Care who have been seen by Dr. Qadri. Thank you for your willingness to give "the new kid on the block" a chance to put to good use all those skills that have taken years to develop. As Dr. Qadri is settling into her role her, she has been so busy asking questions, learning about the particular materials and techniques that we implement that might be different than the has become accustomed to at the dental school. She has been like a sponge, soaking up information and putting into practice as much as I can teach her. As a dentist that has been practicing in Elgin for over 21 years now, I may know more, but from a skill set standpoint, she will quickly pass me up, as Dr. Cathy (our other associate dentist) has already done.
We look forward to a long and fruitful run, treating the wonderful families that we have the privilege of seeing throughout the year. See you next time! Blessings!
Posted by FVDC Office on September 23, 2013 at 6:05 PM
Ok, so this is coming more than a week from the last blog as
promised, but I have a good excuse.... I didn't get to it. I know. I
know. Not much of an excuse but the truth shall set you free.... free to
finish out this series on insurance.
We've talked about every
kind of dental insurance plan except the big two: PPO's and Usual &
Customary (U&C). To review, U&C plans are the king. You have the same benefits anywhere you go and you don't have any restrictions as far as
choosing a provider. PPO's on the other hand still offer you the ability
to go where you want but if you choose to go to a non-participating
dentist, you benefits are not as good.
The benefits of having
a U&C plan are obvious. But as our economy has tightened, we are
seeing employers shy away from this type of coverage. You get what you
pay for and U&C insurance is typically much more expensive for an
employer to provide. Most larger employers have thus opted to go with a
PPO type of plan. And with all these PPO's, its important to understand
them at least a little.
From the patients perspective, PPO's work
quite well. An employee will get a list of "preferred" or
"participating" providers within a PPO network. Although a person can go
to any dentist or dental specialist of their choosing, they will get a
better deal from a financial point of view if they go to one of the
dentists whose name is on that PPO list. Participating dentists have
agreed to accept a lower than normal fee schedule that they are
typically used to charging in exchange to that preferred provider
status. Patients can save anywhere from 10-30% off per procedure. Why
would a dentist accept a 10-30% pay cut in joining a PPO? Chalk it up to
a marketing expense. Having your name in a PPO book gets you exposure
to hundreds if not thousands of potential patients and having a patient
in the chair getting a 10-30% discount is better than having no one in
the chair! The Elgin area is saturated with large employers who offer
PPO insurance plans. In order to accommodate this patient base, our
office participates in most of the major PPO plans and as our patient
population has grown and we have added new products, new services, and
new associate dentists, it has been a wonderful relationship. We are
blessed to have patients to help with their dental needs, and the
patients have access to quality care at a reduced rate. Everybody wins!
will the future hold? No one knows for sure, but one possible type of
insurance that is becoming more and more prevalent is something called
direct reimbursement. Basically, this is a situation where an employer
has eliminated the middle man.... eliminated the insurance company. A
patient will come in for dental treatment and the payment (in full or in
part depending upon the type of treatment) would be made by the
employer directly. There are several great things that happen under this
type of system. There are no insurance premiums to pay by the employer
or the employee and no restriction as to dentists or treatments. All the
treatment decisions are between the doctor and the patient, as they
should be. The amount of benefit on a yearly basis would not change and
any insurance company imposed restrictions, treatment can proceed
unobstructed. Knowing that only half of Americans go to the dentist on a
regular basis, the employer would no longer be paying insurance
premiums for patients that do not use the insurance anyhow. It can save
the employer money offer better access to care for the employee. A good
If you ever have any questions regarding
insurance companies or your coverage, don't hesitate to give us a call.
We have been in the dental business for a good many years (I can't
believe I've been a dentist for 21 years now!!!) and know all the ins
and outs of the insurance side of things. So please give us a call. See
Posted by FVDC Office on September 10, 2013 at 5:34 PM
Fox Valley Dental Care 74 N. Alfred Elgin, IL 60123