Category: Dentist

Understanding dental insurance is a key step in maintaining a healthy lifestyle. Everyone desires to have an infectious smile that leaves an unarguably positive impression. This is where dental insurance companies come into play. Their primary goal is to ensure your oral health is taken care of without having to stress about the financial implication.

Dental insurance companies are specialized providers of cover for various procedures pertaining to oral health. These include regular check-ups, cleanings, fillings, and in more extensive coverage, surgeries, root canals, and orthodontics. Needless to say, the type of coverage needed largely determines the insurance company one may want to work with.

The complexity of dental insurance, much like any other insurance, lies in understanding the type and scope of the coverage, out-of-pocket fees, and in-network and out-of-network providers. With numerous dental insurance companies offering a variety of plans, it becomes pertinent to evaluate and compare these details before zeroing in on the right choice for you and your family.

In the same vein, it’s essential to recognize that not all dentists accept all types of dental insurance. Partnerships between insurance companies and dentists are common, leading to a network of ‘in-network’ providers. However, one can also opt to get treatment from an ‘out-of-network’ dentist, typically at a higher out-of-pocket cost.

An excellent example of this partnership is your local ‘north bondi dentist’ and specific dental insurance companies they collaborate with. Being an ‘in-network’ provider for a specific insurance company means that the north bondi dentist has agreed to provide certain treatments to patients insured under that company at pre-set, often discounted, prices. Therefore, patients can make the most of their dental insurance by choosing a dentist that aligns with their insurance plan.

While having dental insurance certainly provides a cushion, it’s not always a guarantee that everything you need will be covered. Some procedures or treatments deemed as ‘cosmetic’ – like teeth whitening or veneers – are usually not covered by insurance. Furthermore, most dental insurances have a maximum annual limit. It means, beyond this limit, the costs have to be borne by the insured person. Therefore, understanding the limit, as well as what’s covered and what’s not, is crucial before committing.

All dental insurance companies have different formulations for cost-sharing, known as co-insurance or co-pays. The typical split is 80/20 or 70/30, meaning that insurance covers either 80% or 70% of the cost, leaving the rest to be paid out-of-pocket by the insured. Once again, these ratios might differ based on the procedure and the specific dental insurance plan in question.

It’s essential to note that most dental insurances adopt a ‘Benefit Period’ rather than an ‘Annual’ model, which typically begins from the day you get coverage. Any unused benefits do not roll over into your next Benefit Period, so it pays to utilize them before time runs out.

In conclusion, choosing a dental insurance plan requires a thorough analysis of your dental needs, the cost-efficiency provided by the insurance, the network of dentists, and plan specifications. Whether you prefer preventive measures with routine checkups or require more comprehensive coverage that includes complex procedures, the vast variety of dental insurance companies will have something to offer. For optimal balance, ensure that your preferred north bondi dentist aligns harmoniously with your insurance plan, providing quality care without breaking the bank.

Submitted by: Raphaelmv Benton

You’ll find so numerous credit blogs and forums available, but in case you are not familiar with them you may not know whether or not you’re acquiring info that’s really informative and useful or if you’re just buying into a bunch of junk.

The difficulty with blogs is that so several individuals can just say what they feel and pass it off as excellent info. This is fine in case you are searching up conspiracy theories, but once you want great solid info about developing and maintaining Repair Bad Credit it can truly trigger some problems.

Which is why it’s so crucial to locate credit repair suggestions that give right methods AND maintain you interested. Once you hook up with a excellent source, you will find that you get lots of up to date tools and info to assist you regardless of what your credit question.

Here is what to look for in ways to Repair Bad Credit

Look for a credit blog that is run by a person or organization that knows what they are talking about. In other words, what kinds of professionals are writing the blog?

Are they offering you great solid suggestions which will truly assist your scenario? You may also need to contemplate locating a blog that has to do along with your individual requirements.

For instance, if you’re working to repair your credit does the blog you’re reading truly supply you info that will aid to create the procedure of cleaning up your credit report simpler or do they only supply deals on credit cards?

As mentioned just a little bit ago, it is critical to pick a credit blog that really deals with credit. You don’t need to depend on a blog that claims to be about credit but turns around and talks about politics, so make sure to read a couple of entries and see that you might be finding the tools you seek. Will be the blog simple to recognize and read?

Most of those websites attempt to use huge words to sound educated and smart but end up not creating sense most of the time.

Why confuse your reader? Does that actually aid them out?

Credit repair Affiliate Program blogs are a really wonderful approach to get the aid and resources that you are looking for whenever you are attempting to develop your credit or keep it strong, however it is crucial to decide on the proper one or you may locate that you’re being misinformed or just wasting your time on topics that could not apply to your wants.

You need to also watch out from credit internet sites from debt consolidation organizations who will merely be working to encourage you to sign up for their service. Which is why it is so important to find a credit source that offers a lot of distinct topics on credit repair guidelines so you are able to master your credit scenario.

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By Chris Chew

Some people used the term ‘weight loss’ while others call it ‘fat loss’ whilst many use the terms weight loss and fat loss interchangeably. Do they mean the same thing? To many people, they do mean the same thing. But the terms may be entirely different in meaning. You must know the difference if you want to lose weight or lose fat effectively and healthily.

When you step onto your bathroom scale every morning, what you will be reading from the scale is weight loss and not fat loss. Bath room scales are never accurate in determining fat loss.

Why? Because it measures your overall weight and not your body fat per se. If you weigh yourself in the morning before breakfast after your bowel movement, you will probably get your lowest reading of the day because your body is dehydrated through hours of non fluid replenishment when you were sleeping and after emptying your bowels, more water and wastes are flushed away so much so that you are you are lighter. After a night of sleep and not eating anything, your carbohydrate store is running low and therefore you are even lighter without the stored carbohydrate known as glycogen. What happened then? You just loss weight not loss fat! Your body fat is still there while the weight of other substances such as glycogen, wastes, water etc are depleted.

Now go weigh yourself again after dinner when you are fully replenished through meals and consumption of water and it may surprised you that you may probably weigh 2kg or more heavier and that is at least 4.4 pounds! You just gained weight and may even gained fat! Now you can see that it is such a misnomer when people think weight loss and fat loss are the same thing.

Why must you know the difference? Because for most of us, especially those who are on the fat side want to lose fat and not necessarily want to lose weight. Getting the drift?

Now for the more important part. Mere weight loss may cause you to lose muscle and in turn, make you gain body fat later. Yes, it is ironical. That is because the more muscle mass you have, the more you burn fat efficiently because muscle is an active tissue and it requires calories to function. Body fat just sit there doing nothing and thus do not burn calories on its own. So the less muscle mass you have, the less calories your body will burn. The fewer calories your body burn, the more calories ended up being stored as body fat! Therefore it is important to lose fat but not merely lose weight which may include the loss of muscle tissues.

How is it that a person may lose muscle on a weight loss program? Well for starters, we commonly hear about people going on this diet and that diet. Most diets demand a severe restriction of food or calorie intake. Your body will then signal to your mind that you are in a starvation mode and the body is designed to store fat for the impending famine and will use up your muscle for energy in your daily activities.

Some diets advocate a severe cut in carbohydrate. Carbohydrate is your body’s first source of energy. When your body is depleted of carbohydrate, it turns to your protein (muscles) and body fat indiscriminately for energy. Now to make matters worse, because of the restricted carbohydrate consumed, there will be fewer carbohydrate calories to be used as energy calories and that again will signal the onset of starvation mode again. The vicious cycle of your body cannibalizing its own muscle is set in motion again. The same applies to people on slimming pills or salon fat loss programs.

So some people say ok, Chris, I see your point, so I will just do plenty of cardio exercises to lose weight. Another grave mistake. Have you ever wondered why marathon runners, those who run many kilometers often and are doing cardio exercises almost everyday are so skinny with no muscle tone? Because your body is a wonderful machine. It is designed to adapt. When you run or skip or swim long enough, it will say, look, I better get lighter so that I can take the stress better and improve the endurance. Guess what? Your muscles are heavier than fats and what will your body shed more when it wants to get lighter? Muscle or fat? Your body will shed both but more muscles than fats.

Anyway, why would you want to lose weight only to become a smaller you with the same body shape without any muscle tone? Why would you want to be on a weight loss program that eats your muscles and lower your fat burning rate so much so that when you are off the program, the fats come piling back on again?

Therefore, while you are on a lose weight program, you must also be on a build muscle program. That will mean a combination of correct dietary habit, cardio exercises and weightlifting exercises to maintain muscle preservation and a fat loss result.

From now on tell people you are on a fat loss program and not a weight loss program. That you are on a correct eating habit instead of just simply dieting.

With the distinction clearly in mind, you will then know how to lose fat effectively, preserve and grow your muscles and at the same time losing weight on your bathroom scale. That would be an ideal way to achieve your weight loss objective because you will lose body fat instead of muscle and mere body wastes.

About the Author: Chris Chew is a fitness personal trainer of fashion models, male pageant winners and actors. More free fitness tips at :-

Free Fitness TipsLose fat build muscles fast

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Submitted by: Sean Goudelock

Dental insurance is purchased so you will have something to pay for a portion of your dental care needs. A plan for dental insurance will have a particular limit or maximum annual benefit. Once reached, you will need to pay for the rest of the dental treatments for that year. There are some tricks to get the best dental insurance even if you are a first time buyer.

Know What You Need

It is not the insurer or broker s responsibility to determine the best dental insurance plan for you. While they can give advice and recommendations, you should know what you actually need. It will also help you deal with the persuasive sales speeches.

When requesting for dental insurance quotes, you may be requested to specify what you are looking for. You may be looking for an individual dental insurance, family dental insurance or group dental insurance for your company but you also need to know what particular type of plan you are looking for.

There are three main types of dental insurance: indemnity, preferred provider organization (PPO), and dental health maintenance organization (DHMO). The indemnity dental insurance is also known as the true dental insurance because it is the only plan that allows you to choose your dentist. It will pay a part of the dentist s fee or a specified amount. In case, the indemnity plan is designed to pay for $50 while your dentist s fee is $100, you need to pay for the other $50. The drawback of this dental insurance type is that it is expensive. The PPO is the plan that requires you to choose only among the dentists in the network. They agreed to reduce their fees, which is one of the reasons why PPO is much less expensive than indemnity. In case you are wondering, you can still go to a dentist who s not in the network at times but you will not be able to use the insurance. You should choose DHMO if you want the cheapest. The downside is you get to choose the dentist in the network, too. In this plan, the insurer pays the dentists directly. The dentists are paid per individual regardless of how often you go for treatment. Keep in mind that you may be responsible for co-payments in some dental services in DHMO.

Simply put, you need to choose between price and freedom to choose the dentist when deciding on the type of dental insurance.

Determine What Is Covered

It is important that you also know what services and treatments are covered. Some dental insurance plans determine the treatments that you can get. Others make the dentist decide. Luckily, there are the ones that will give you control on the treatment decisions. For instance, there are several treatments suitable for your dental problem. The insurance company or dentist may choose the cheapest treatment. Some plans may allow you to get more expensive treatments but will pay only a portion of the fee.

Have Several Options

There are many companies that offer dental insurance. Considering several of them is a good step to finding the best one. There is no particular best dental insurance for all. It is all about personal needs and choices. Make sure to contact and ask for dental insurance quotes for several companies. Compare the dental insurance quotes with the same coverage and the same type.

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By Nathan Wei

If a tadpole’s tail is cut off, it will grow a new one. If a salamander’s leg is cut off, it will grow a new one. If an earthworm is cut in half, it will eventually grow a new half. If a snails head is cut off, it will grow a new one. (Osborn HF, Wilson EB. Regeneration. Columbia University Biological Series. Macmillan Company. 1901)

Regeneration in lower forms of animals has been known about for at least a century in the scientific community. The primary reason lower forms of animals are able to regenerate lost limbs while higher forms such as humans can’t, has been the subject of much conjecture. The most reasonable explanations include:

1. Stem cells in lower forms of animals are plentiful and available in sufficient concentrations to hasten regeneration.

2. Stem cells are in closer proximity- meaning that these animals have very simple organs that aren’t nearly as compartmentalized as those of higher animal forms. What this means is that once a cell has differentiated into a heart cell or lung cell, it is committed. It cannot reverse the process. And, since stem cells are not that plentiful in the normal bloodstream of higher animal forms such as humans, the ability to regenerate lost tissues is limited.

3. Finally, the amount of differentiation of cells into more complex and different types of organs is not quite so pronounced in earthworms and salamanders as compared with higher forms of animals. Brains, heart, and lung tissue are highly developed, very complex organs. And… these organs are located far away from a large supply of stem cells since stem cells are rarely found in the peripheral blood. An earthworm or salamander doesn’t have to worry about this problem!

Mammals do have the ability to ‘regenerate’ to the extent that most wounds will heal over time.

However, the ability to heal degenerative processes or manufacture new organs has been an elusive target.

At least until recently… It turns out that stem cells, the progenitor cells of all cells in the body, are what allow massive healing to take place. (By progenitor, I mean that stem cells are capable of differentiating into any type of organ cell).

In higher mammals such as humans, the number of stem cells required for massive regeneration is not available under normal circumstances.

Stem cells are sparse in the general blood circulation. They are,though, present within bone marrow where they are called “mesenchymal stem cells.”

However, in the adult, even in the bone marrow, stem cells need to be concentrated in order to be effective for tissue regenerative processes.

The lack of sufficient stem cells in peripheral tissues as well as the absence of triggering mechanisms which can send the stem cells into the “warp speed’ required to help with regeneration also aren’t present under normal circumstances.

It is this relative lack and access to stem cells that has presented researchers with the problem of how to produce the same kind of healing in human beings as is seen in lower forms of animals.

Recent development in stem cell biology has shown much promise.

For instance, autologous stem cells (cells obtained directly from the patient) have been used to help heal an ailing heart (National Geographic, July 2008). And in a more recent article (Parade Magazine, September 28, 2008), investigators at the Hospital for Special Surgery in New York City have mentioned the possible application of stem cells and platelet rich plasma in the treatment of arthritis.

It appears that a number of requirements must be met in order for the magic of stem cells to take hold for conditions such as osteoarthritis. First, a large number of stem cells are required. This involves taking stem cells from the bone marrow of the patient and concentrating them. Second, the stem cells must be viable, meaning the concentration process cannot damage the stem cells. Third, a ‘trigger’ such as platelet rich plasma must be provided in order for certain substances such as growth hormone to stimulate the stem cells to replicate and differentiate.

Fourth, the arthritis area must be prepared properly. That means ‘injury’ must be induced. Injury should be sufficient to induce stem cells to proliferate and differentiate but not enough to render stem cell therapy useless. In other words, special techniques need to be applied.

Fifth, the stem cells and platelet rich plasma must be introduced in such a fashion that a framework or scaffold is prepared so that stem cells have a place to ‘latch onto to’ so they can accomplish what needs to be done.

A small number of centers in the U.S. are working on such as procedure. Early results look promising.

At the Arthritis and Osteoporosis Center of Maryland, exciting work in the field of stem cells and their application to treating osteoarthritis is ongoing.

According to Clinical Director, Dr. Nathan Wei, ‘Stem cell research is probably the future of treatment for osteoarthritis. We have to work on newer and better techniques… and also provide data that can be used to assess the efficacy of this type of therapy. To date we have treatments that help with symptoms… but we need therapies that can actually regrow cartilage and other damaged connective tissue.

Currently, we are in the middle of some very interesting work that looks very encouraging. The results are in the preliminary stages, so while the early evidence is extremely promising, longer term data is needed.

We are harvesting and concentrating mesenchymal stem cells. We are also providing a scaffold for stem cells to proliferate and grow.

Unfortunately, cartilage tissue grows relatively slowly… but we have to be patient. If the objective evidence- thickening… or growth of cartilage- matches the symptomatic improvement we’ve seen, this will be a major breakthrough!’

About the Author: Nathan Wei, MD FACP FACR is a nationally known board-certified rheumatologist. For more info:

Arthritis Treatment

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Tendonitis Treatment Tips

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