How to MAXIMIZE your dental insurance – USE IT OR LOSE IT!

Time is running out....

Time is running out….

Many dental insurance plans run on a calendar year. There are some exceptions, but, as a rule, the majority of insurance plans operate on a calendar year. Which means that time is now running out for you to maximize the benefits of your dental insurance as December 31st is the date you need to use your benefit before losing it. Why lose it? After all, YOU paid for it!

If you need reasons you should try to schedule that treatment you’ve been putting off read on. Apart from the health considerations that your dentist promotes, there are financial reasons to go ahead and make an appointment.

  • All dental insurance plans have a yearly maximum. This is the maximum amount that the insurance company will pay out for treatment in the duration of the benefit year. Any unused portion is not rolled over to the following year – so you lose it.
  • Most insurance plans cover twice yearly cleanings and exams at 100% (although some do have a small co-pay of maybe 10% or 25%).
  • If you keep these 6 monthly visits up, many potential BIG problems can be avoided as they would be detected early enough. It’s a sad fact of life that avoiding dental treatment doesn’t make the problem go away – it just makes it bigger, probably more painful and more expensive.
  • Deductibles are charged again at the beginning of a new benefit year. So, if you have already met your deductible, having further treatment BEFORE the renewal date and using up remaining benefit will avoid you having to pay it again.
  • Fees may increase. We all know that inevitably costs increase. Your dentist is no different to any other business and occasionally needs to update his fees. January is a perfect time to do this. By scheduling your appointment before then, you will be locked in to the current fees even if the treatment continues into the New Year.

Try to find the time to book an appointment for the treatment you’ve been avoiding ~ no point in having a double whammy of toothache and wasting money. After all…..none of us have money to burn.

Your hard-earned money going up in smoke.

Your hard-earned money going up in smoke.

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GETTING TO KNOW DR SCHMIDT’S TEAM – THE BOSS, DR DAVID SCHMIDT

For the next few blogs we thought we’d introduce the team at Dr Schmidt’s office so you can get to know us all a little better.  To make it easier to gather information everyone in the office was given a questionnaire with some serious and some fun questions. Hope you like the idea!!!

And finally…… it’s the turn of our Boss, Dr David Schmidt himself…….

Dr David Schmidt, DDS

Dr David Schmidt, DDS

1What is your job here at Dr Schmidt’s office and what does it entail?

I am the Dentist and I am responsible for the overall care of the patients.

2. How long have you been at Dr Schmidt’s office?

I have been here now for 3 years.

3. What is your favorite part about the job?

The part I love is getting to talk to the patients.

4. What job did you do before?

I was a science teacher, a fundraiser and worked as a zoo-keeper.

5. Where did you go to school? 

At Miami University (Ohio) I got my Bachelor’s Degree and I did my Masters and DDS at the University of Michigan.

6. What was your favorite subject at school and who was your favorite teacher?

In High School I loved art, science and math.

7. What do you like to do in your spare time?

Walk my dog, hang out with my kids and eat!

8. Are you married?

Yes.

9. Do you have children? If so, how many boys/girls?

Ye, I have two boys; Max is 13 and Jonah is 16.

10. Do you have pets? If so, what kind and how many?

Yes, 1 dog called Teddy. I used to have a cat, snakes and a chinchilla.

11. What is your favorite food; color; TV show; Movie; Book; Music (name the group/singer); Actor/Actress?

Color – Green; Food; my Mom’s Strudel; Book – I just read “Gone Girl” a real page turner.

12. What is the scariest thing you ever did?

Ocean kayaking – I’m not a good swimmer.

13. If I gave you $5,000 right now what would you spend it on?

If it had to be used for something fun – Back yard patio and BBQ!

14. Who do you think is, or was, the most inspiring person you heard of or knew, and why they inspired you?

Can’t think of anyone.

15. What would be your ideal vacation?

I would love to take my family to the Rocky Mountains – Yellowstone Park

Now for the quick fire Yes or No round.

  • 1. Ever held a snake? Yes – owned two as pets
  • 2. Ran a red light? Oops – probably
  • 3. Been suspended from school? No
  • 4. Experienced love at first sight? Yes – my wife!
  • 5. Totaled your car/motorbike in an auto accident? No
  • 6. Been fired from a job? No
  • 7.Fired somebody? No
  • 8. Sang Karaoke? Yes
  • 9. Done something you told yourself you never would? Yes – ocean kayaking
  • 10. Laughed until something your were drinking came out of your nose? No – but I couldn’t breathe for laughing at a Robin Williams show.
  • 11.Caught a snowflake on your tongue? Yes
  • 12. Kissed in the rain? Yes
  • 13. Sang in the shower? Yes
  • 14. Sat on a rooftop? Yes
  • 15. Been pushed into a pool fully dressed? No
  • 16. Broken a bone? Yes
  • 17. Walked on a moonlit beach? Yes
  • 18. Ridden on a motorcycle? Yes – Never again! Not good at it.
  • 19. Ridden in a helicopter? Yes
  • 20. Forgotten your anniversary? Yes
  • 21. Had Mexican Jumping Beans for pets? Yes
  • 22. Seriously and intentionally boycotted something? Yes
  • 23. Knitted or crocheted? No
  • 24. Been on TV? Yes
  • 25. Eaten a whole Habanero pepper? No! Are you crazy?
  • 26. Ridden a surfboard? Yes – not well done!
  • 27. Donated blood? Yes
  • 28. Eaten Alligator meat? Yes
  • 29. Eaten your kids’ Halloween candy? Yes
  • 30. Written graffiti? No

GETTING TO KNOW DR SCHMIDT’S TEAM – LAURA

For the next few blogs we thought we’d introduce the team at Dr Schmidt’s office so you can get to know us all a little better.  To make it easier to gather information everyone in the office was given a questionnaire with some serious and some fun questions. Hope you like the idea!!!

This week it’s the turn of our Junior Assistant, Laura…….

Our Junior Assistant, Laura

Our Junior Assistant, Laura

1What is your job here at Dr Schmidt’s office and what does it entail?

I am a Dental Assistant. I assist the Dr Schmidt and do the set-up/clean-up of rooms and take x-rays.

2. How long have you been at Dr Schmidt’s office?

Just about 2 years. I work with Dr Schmidt on Mondays, Wednesdays and Fridays.

3. What is your favorite part about the job?

I like helping our patients.

4. What job did you do before?

I worked in retail.

5. Where did you go to school? 

Belleville High School and I went to Ross Medical Education Center for Dental School.

6. What was your favorite subject at school and who was your favorite teacher?

Video production class was my favorite and my favorite teacher was Mr Steve.

7. What do you like to do in your spare time?

Spending time with my kids and hanging out with friends.

8. Are you married?

No.

9. Do you have children? If so, how many boys/girls?

Yes, I have two boys.

10. Do you have pets? If so, what kind and how many?

Yes, 2 Labs.

11. What is your favorite food; color; TV show; Movie; Book; Music (name the group/singer); Actor/Actress?

Mac & Cheese; Grey’s Anatomy; The Notebook; Love country  music especially Dierks Bentley and Carrie Underwood; I don’t have any favorite actors or actresses.

12. What is the scariest thing you ever did?

Zip-lining.

13. If I gave you $5,000 right now what would you spend it on?

Pay off bills.

14. Who do you think is, or was, the most inspiring person you heard of or knew, and why they inspired you?

Mr grandpa. He was in the Navy and he worked hard for everything he had so he could support his family.

15. What would be your ideal vacation?

Somewhere tropical.

Now for the quick fire Yes or No round.

  • 1. Ever held a snake? Yes
  • 2. Ran a red light? Yes
  • 3. Been suspended from school? No
  • 4. Experienced love at first sight? No
  • 5. Totaled your car/motorbike in an auto accident? No
  • 6. Been fired from a job? Yes
  • 7.Fired somebody? No
  • 8. Sang Karaoke? Yes
  • 9. Done something you told yourself you never would? Yes
  • 10. Laughed until something your were drinking came out of your nose? Yes
  • 11.Caught a snowflake on your tongue? Yes
  • 12. Kissed in the rain? Yes
  • 13. Sang in the shower? Yes
  • 14. Sat on a rooftop? Yes
  • 15. Been pushed into a pool fully dressed? No
  • 16. Broken a bone? Yes
  • 17. Walked on a moonlit beach? No
  • 18. Ridden on a motorcycle? Yes
  • 19. Ridden in a helicopter? No
  • 20. Forgotten your anniversary? No
  • 21. Had Mexican Jumping Beans for pets? No
  • 22. Seriously and intentionally boycotted something? No
  • 23. Knitted or crocheted? Yes
  • 24. Been on TV? Yes
  • 25. Eaten a whole Habanero pepper? No
  • 26. Ridden a surfboard? No
  • 27. Donated blood? Yes
  • 28. Eaten Alligator meat? No
  • 29. Eaten your kids’ Halloween candy? Yes
  • 30. Written graffiti? No

GETTING TO KNOW DR SCHMIDT’S TEAM – JULIE

For the next few blogs we thought we’d introduce the team at Dr Schmidt’s office so you can get to know us all a little better.  To make it easier to gather information everyone in the office was given a questionnaire with some serious and some fun questions. Hope you like the idea!!!

This week it’s the turn of our Tuesday Assistant, Julie…….

Julie works with us on Tuesdays
Julie works with us on Tuesdays

1What is your job here at Dr Schmidt’s office and what does it entail?

I am a Dental Assistant. I assist the Doctor with patient’s treatment, do the set-up/clean-up of rooms and take x-rays.

2. How long have you been at Dr Schmidt’s office?

I have been here now for 2 years. I work with Dr Schmidt every Tuesday.

3. What is your favorite part about the job?

Everything! I like helping people.

4. What job did you do before?

I work as a Dental Assistant with Dr Berman in Belleville, Dr Schmidt’s old practice.

5. Where did you go to school? 

Salem High School.

6. What was your favorite subject at school and who was your favorite teacher?

I don’t recall.

7. What do you like to do in your spare time?

Scrapbooking and reading.

8. Are you married?

Yes, for 28 years.

9. Do you have children? If so, how many boys/girls?

Yes, I have two girls and 1 boy.

10. Do you have pets? If so, what kind and how many?

Yes, 1 dog and 3 cats.

11. What is your favorite food; color; TV show; Movie; Book; Music (name the group/singer); Actor/Actress?

Food – EVERYTHING! Color – purple; TV show – Parks and Recreation.

12. What is the scariest thing you ever did?

Don’t recall.

13. If I gave you $5,000 right now what would you spend it on?

I would pay off something.

14. Who do you think is, or was, the most inspiring person you heard of or knew, and why they inspired you?

Can’t think of anyone.

15. What would be your ideal vacation?

Somewhere warm.

Now for the quick fire Yes or No round.

  • 1. Ever held a snake? No
  • 2. Ran a red light? Yes
  • 3. Been suspended from school? No
  • 4. Experienced love at first sight? No
  • 5. Totaled your car/motorbike in an auto accident? No
  • 6. Been fired from a job? No
  • 7.Fired somebody? No
  • 8. Sang Karaoke? No
  • 9. Done something you told yourself you never would? Yes
  • 10. Laughed until something your were drinking came out of your nose? No
  • 11.Caught a snowflake on your tongue? Yes
  • 12. Kissed in the rain? No
  • 13. Sang in the shower? Yes
  • 14. Sat on a rooftop? No
  • 15. Been pushed into a pool fully dressed? No
  • 16. Broken a bone? Yes
  • 17. Walked on a moonlit beach? No
  • 18. Ridden on a motorcycle? Yes
  • 19. Ridden in a helicopter? No
  • 20. Forgotten your anniversary? No
  • 21. Had Mexican Jumping Beans for pets? No
  • 22. Seriously and intentionally boycotted something? No
  • 23. Knitted or crocheted? Yes
  • 24. Been on TV? No
  • 25. Eaten a whole Habanero pepper? No
  • 26. Ridden a surfboard? No
  • 27. Donated blood? No
  • 28. Eaten Alligator meat? No
  • 29. Eaten your kids’ Halloween candy? Yes
  • 30. Written graffiti? No