A painful childhood experience with a dentist can have a lasting impact on your dental health. Adults who have high anxiety about dental work often had a bad experience when they were young. The negative imprint on an impressionable mind from tooth pain at the dentist's office can keep even very intelligent adults from getting the dental care, preventative and therapeutic, they need. Major health problems can result from a lack of preventative care of the teeth and gums. With the huge number of people who suffer from dental anxiety, there is a trend toward dental practices who offer sedation dentistry.
Sedation dentistry is offered in several forms. It is used for patients who have high anxiety levels, difficulty controlling muscle movement, or an extensive amount of work to be done. The goal of sedation during dental work is to remove all pain and trauma from the experience, so patients begin to feel more comfortable and less anxious about going to the dentist. Even pediatric dentists use a mild sedative in the form of nitrous oxide. The patient simply has a mask placed over the nose. They breathe in the nitrous oxide (laughing gas) and relax enough for the dental professionals to do the necessary procedures. Pediatric dentists who offer this service often have fun ways of introducing the nitrous oxide, such as with a clown nose for the children to breathe in and out. With nitrous oxide, patients typically do not fall asleep. They are simply relaxed and anxiety-free.
Oral sedatives are another option to relieve anxiety related to dental care. After taking the sedatives, dental professionals will wait for the drugs to take effect and then work on a relaxed and stress-free patient. The dentist in charge will usually decide what type and dosage of sedative to administer. Medical history, drug interactions, and anxiety level will all be considered in the prescription process.
The most drastic form of sedation dentistry is intravenously administered sedatives. IV sedation dentistry is usually performed in a larger dental practice or hospital setting where the patient is monitored by health professionals. A professional anesthesiologist will be brought in to administer the sedatives. This type of sedation is more commonly used when there is an extensive amount of work to be done, and the process will take a long time. The patient is put to sleep for the duration of the work, so no pain or anxiety is felt at all.
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American’s are looking for lower cost alternatives when it comes to their healthcare needs. Those who do not need a huge demand for medical services to be covered have other options. Even those with some medical requirements on a monthly or quarterly basis are OK with little less coverage if they are saving enough on premiums. The good news is alternative plans are here, and they will continue to grow in demand as 2018 continues.
The Trump Administration signed off on an executive order in the fall of 2017 requiring that short-term health care plans be extended from the current 90-day restriction to the full 365 days as it once was. These types of policies are not there to replace the ACA plans, but to provide individuals and families with more choices for their healthcare needs.
This is great news for millions of Americans who do not qualify for the federal health subsidies and really cannot afford the premiums for the ACA plans. By freeing up some of their hard-earned dollars, they can put it back into the economy, retirement, college or whatever they need.
Short-term plans are non-ACA qualified health plans that are not required to cover preexisting conditions or certain ACA (Obamacare) mandated Essential Health Benefits (EHB), that are covered by ACA-qualified plans.
These benefits include:
Maternity and newborn care
Mental health and substance use disorder services
Specific preventive care benefits such as routine exams, mammograms, cancer screenings, etc
Pediatric services (oral care and vision)
The short-term plans are a great option without the above coverages in the policy. Insurance is supposed to be for sudden, expensive things that you usually could not afford on your own. Look at your homeowners and auto insurance. They provide coverage for the unforeseen, costly risks that you cannot afford to take on yourself. The short-term medical plans do just that.
The short-term medical plan extension from the current 90-day maximum to 365-day maximum takes effect May 1st. After that date, you can apply with an insurance company that offers the short-term plan that does not have the 90-day maximum limit.
One other drawback for 2018 is the individual mandate. The short-term medical plan is not an ACA-compliant plan according to the IRS and will be subject to the tax penalty when you file your taxes in 2018. There are other ways around this. You will need to seek out a professional in the field to get more information. For the tax year 2019, this tax penalty goes away.
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