Create successful ePaper yourself
Turn your PDF publications into a flip-book with our unique Google optimized e-Paper software.
15 Commerce Boulevard, Suite 201 • Roxbury Mall (Route 10 East) • Succasunna, NJ 07876<br />
(973) 328-1225 • www.MorrisCountyDentist.com<br />
• Dental Implants<br />
• Cosmetic Dentistry<br />
• Porcelain Veneers<br />
• Family Dentistry<br />
• Invisalign<br />
• Dentures<br />
• Teeth Whitening<br />
• Crowns and Bridges<br />
• Smile Makeovers<br />
• Sedation Dentistry<br />
New Patient Special<br />
Dental Implants<br />
$149 Cleaning, Exam, Full Set of Films<br />
Regularly $362<br />
•Cannot be combined with other discounts<br />
•Refer to New Patient Specials on our website for details<br />
•Coupon must be presented and mentioned at time of scheduling<br />
Expires 6/30/21<br />
Dr. Goldberg is a leading expert on dental implants. He is a Diplomate of the<br />
American Board of Oral Implantology/Implant Dentistry, which is a degree held<br />
by only 1% of dentists worldwide. Whether you require a single implant or<br />
complex full-mouth rehabilitation, a free consultation with Dr. Goldberg should be<br />
considered.<br />
General & Cosmetic Dentistry<br />
Dr. Goldberg treats entire families, from toddlers to seniors. Services include<br />
cleanings, check-ups, fillings, Invisalign, dentures, cosmetics, and more! He and<br />
his staff enjoy the long-term relationships they build with their patients.<br />
Dr. Goldberg is a general dentist with credentials in multiple organizations. Please visit his website for a complete listing.<br />
DENTAL DIGEST<br />
New Patient Special<br />
FREE<br />
Implant, Cosmetic or General Dentistry Consultation<br />
Regularly $125.00<br />
•Cannot be combined with other discounts<br />
•Limited to 50 minutes<br />
Expires 6/30/21<br />
Ira Goldberg, DDS, FAGD, DICOI, FAAID<br />
Diplomate of the American Board of Oral Implantology / Implant Dentistry<br />
DENTAL INSURANCE: THE BASICS, AND IS IT WORTH THE EXPENSE?<br />
Did you know dental insurance isn’t insurance at all?<br />
An insurance plan reimburses you for a loss. As an example, if your house burns down, your insurance company covers the loss. With<br />
an insurance plan, the insurer caries the risk.<br />
Dental “insurance” is really a “benefit plan.” YOU carry the risk, not the insurance company. It is designed to cover only certain<br />
procedures, and is capped with an annual maximum. That maximum allows the insurance company to know in advance its absolute<br />
greatest annual expenditure. It is at levels that really haven’t changed since dental insurance was invented in 1954. But your<br />
premiums keep increasing….<br />
Almost on a daily basis, patients will ask me if its worth purchasing an “insurance plan” they saw advertised on TV or a flier in the<br />
mail. Usually it is not. You’d be better off putting those monthly premiums in YOUR pocket, rather than the insurance company’s.<br />
Ira Goldberg, DDS, FAGD, DICOI<br />
Some definitions:<br />
MAXIMUM: The plan maximum is the most amount of money the company will pay during the benefit period. In 1954, that amount was about $1,000 to $1,500 per<br />
year. If your policy kept up with inflation, that would now be roughly $10,688 to $16,031. However, it is still between $1,000 to $2,000 per year.<br />
EXCLUSIONS: Many procedures are not covered, so be careful. These can include: white fillings versus metal fillings, teeth that were missing before the new policy<br />
goes into effect, some extractions (this is new: dental policies will push the burden onto your medical plan). Other services could include implants, crowns, or dentures.<br />
WAITING PERIODS: When you purchase a plan, many companies will not cover services for variable periods of time. We have seen waiting periods up to one year!!!<br />
So while you pay the company a monthly premium, you don’t have benefits until your Waiting Period is over.<br />
NETWORKS: Depending on the plan you purchase, you may be forced to go to certain offices or see certain doctors. Otherwise, you may have no benefits. You might<br />
have to travel 50 miles to find a participating office!<br />
PRE-EXISTING CONDITIONS: If you are missing teeth when you purchase the plan, the ‘insurance” company may not pay for those replacement teeth, or even decrease<br />
the benefit by the percentage of missing teeth.<br />
About the author: Dr. Ira Goldberg has been performing implant procedures for 26 years. He is a Diplomate of the American Board of Oral Implantology / Implant Dentistry, a<br />
Diplomate of the International Congress of Oral Implantologists, and a Fellow of the American Academy of Implant Dentistry. For a free consultation, please call his office at<br />
(973) 328-1225 or visit his website at www.MorrisCountyDentist.com Dr. Goldberg is a general dentist, and also a Fellow of the Academy of General Dentistry.<br />
lakehopatcongnews.com 39