TTC_11_09_16_Vol.13-No.02.p1-16

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Page 10 www.TheTownCommon.com November 9 - 15, 2016 Work for a local company that cares about you! Voted “Best Place to Work” by mycnajobs.com & “Employer of Choice” by HomecarePulse. Call to set-up an interview: JOIN OUR TEAM! Hiring CNA’s, HHA’s, PCA’s for Ipswich, Rowley areas Call 978-462-6162 www.visitingangels.com/newburyport By J. Peter St. Clair, DMD Last week I explained how dental What do you insurance works. This week I will break down the general differences look for in a dentist? between dental insurances, some things to consider when using your dental insurance, and when it • Clean, modern facility makes sense to consider purchasing • On-schedule Treatment insurance if you don’t have it. • Individual Attention I get asked daily by patients • Superior Clinical Skills who are either self-employed or • Financial Flexibility • Friendly/Personable Staff are not offered insurance through their employer, “Should I consider Please call our office to getting dental insurance?” In most schedule a complimentary cases, in my opinion, it does not 30 minute consultation. make sense to purchase dental insurance on your own. This goes 151 Central Street, Rowley | 978-948-2030 | www.jpeterstclairdentistry.com back to last week’s column as to how dental “insurance” is set up to begin with. All dental insurance companies WE WANT Contact WE WANT YOU... your YOU... Advertising set a limit as to how much they TO ViSiT Consultant TO ViSiTtoday! will “pay-out” on an annual basis. The industry average is $1000 per The P: Rowley 978-948-8696 The Rowley ‘V’ • F: ‘V’ 978-948-2564 year, which has not changed since he Town Common the inception of dental insurance signed, Refreshed, advertise@thetowncommon.com Redesigned, Refreshed, and Refined and back in the 1970’s. The premiums ays Open Always Daily Open to Daily the to Public the for individual dental insurance run E Cookout every FREE Cookout 1pm every Patriots 1pm Patriots Game around the $700 range. This leaves Tables Lounge • Jukebox • Pool Tables • • Function Jukebox • Function Hall Hall • • and more morethe patient with a net gain of $300 Rowley Veterans Rowley Veterans Association from the insurance company. This 19 Bradford 19 Bradford St., Rowley St., especially does not make sense if you typically only have your teeth CUTS THAT COME TO YOU!! Janet’s Hair 35 Years Experience Specializing in Home Care Beauty Services for the Mature Woman Just because you can’t get out, doesn’t mean that you shouldn’t look gorgeous! PHONE NUMBER UPDATED! Make an appointment: 978-992-2197 Serving Merrimack Valley Area Health & Wellness If you’re on Medicare, you have until Dec. 7 to make any changes to your coverage. If you have the Original Medicare and like the coverage you have now, you don’t need to do anything. If you have a Medicare Advantage Plan (or want to change to one), all of the Original Medicare benefits are covered, as well as others specific to your plan. By now you should have received your Plan Annual Notice of change, along with the Evidence Brighter Smiles... Dental Insurance Update - Part 2 cleaned a couple of times a year. The only way purchasing your own insurance may make sense is if you are looking to cover your entire family. You should discuss these factors with your dental office prior to making the decision. In dentistry, there are a few types of dental insurance available. There is “indemnity” insurance, where patients can go to whoever they want and the insurance will cover a certain percentage depending on the procedure. The other types of insurance are PPO’s, HMO’s and discount plans or “clubs”. With these types of insurance, the dentist has to sign a contract with the insurance company and abide by a pre-set limit they can charge for all procedures. The typical question a dental office gets with regards to these types of insurance plans is, “Why don’t you accept XYZ insurance?” Most dental offices are small businesses, and the decision for the dentist to sign-up for a particular plan depends on whether they feel they can maintain the quality of care they seek, or were trained to provide, while still being able to cover their expenses to run a business. What corners have to be cut to make this work? Large corporate dental offices take many of the discounted dental plans that smaller dental offices don’t or can’t take. The business model is different in many ways. Unfortunately, many patients Senior Scene of Coverage. (All the plans are required to send these.) Read the forms carefully. If changes to your plan are anticipated for 2017, such as out-of-pocket costs, this is where you’ll learn what those will be. To see what other plans offer, go online to ww.medicare.gov and compare what you have to what else is available. To review plans in your area, put “plan finder” in the search box. Put your ZIP code in the box. Enter any drugs you take, and your current pharmacy. When you get to the screen with your plan options, your best bet is to click on Sort by Overall Star Rating. Compare the annual drug costs, monthly feel forced to choose a dental office based on their insurance vs. choosing the provider. Continuing education is important for dentists to improve skills and to be able to provide patients with a high level of service. The amount of continuing education a dentist takes is generally related to the resources available from running the business. Although the type of dental insurance a dental office accepts does not always translate into the level of care provided, it is an important factor for the patient to consider. It is difficult not to get caught in the trap of – I don’t go to the dentist because I don’t have insurance or my insurance only lets me go to a specific dental office. People often have the mindset that dental insurance works the same as medical insurance. It does not. This is your health. Advocate for yourself and choose to get and stay healthy. There are many things competing for your discretionary dollars. Your dental health should be high on the list, but the conscious choice must be made by you. Dr. St. Clair maintains a private dental practice in Rowley and Newburyport dedicated to healthcentered family dentistry. If there are certain topics you would like to see written about or questions you have please email them to him at jpstclair@ stclairdmd.com. You can view all previously written columns at www. jpeterstclairdentistry.com/blog. Medicare Open Enrollment premium, deductibles and co-pays for each plan you’re considering. Look for specifics: Does a new plan require a referral before you see a specialist? Is your favorite doctor still in your plan? Will you be required to go to only those doctors or hospitals listed by the plan? Are there extras like hearing, dental and vision? If you need help sorting out your options, put “SHIP program” in the search box on the Medicare site, and you’ll find local resources for your area, or go directly to www.shiptacenter.org. You also can call SHIP at 1-877-839-2675 for a local referral. 2016 King Features Synd., Inc.
November 9 - 15 , 2016 www.TheTownCommon.com Page 11 Continued from page 5 featuring songs from the Great White Way and the Great American Songbook. Join Tom and his cast as they sing their way thru some of the greatest tunes from Broadway and beyond. Act I is a traditional potpourri of songs and novelty numbers. Act II is the Dressing Room, where Tom invites the audience backstage for a birdseye view of how the stage actor prepares for a role. All beards, wigs and costumes are put on in front of the audience where they get to see the whole transformation process happen before their eyes. Tom and Co. will then do a couple of songs from each show. Tickets are $20 at the door. Belleville Congregational Church, 300 High Street, Newburyport For more information about Tom and the show visit blackratproductions.org CAT IN THE CRADLE The Cat in the Cradle Coffeehouse welcomes Quentin Callawaert back on November 12. If you close your eyes and listen, the image in your mind is not of a young happy teenager, but rather one of a very skilled (and happy!) musician. Open your eyes and enjoy the warmth and talent of a gifted guitar player who combines classical, traditional, contemporary and popular music with original tunes. He has shared the stage with many other great guitarists and in the few short years that we have known him he has moved on from being an entertaining, gangly teen to a composed, professional musician. This is an exciting journey for Quentin and for those of us fortunate enough to hear this great young talent. Sharing the bill is Toeldo, another group of put -together young musicians. Daniel Alvarez and Jordan Dunn-Pilz have been writing music together since 2009. Now, accompanied by Harry Burr and Pedro Calloni, the duo spearheads Toeldo, an independent indie folk group based out of the Boston music scene. Blending their singer/songwriter roots with a contemporary folk sound, this young group presents a mature understanding of the genre. Intricate finger picking, pulsating drums, and swelling horns fill your soul with sound. The Cat in the Cradle Coffeehouse is hosted by the Byfield Community Arts Center, 7 Central Street, Byfield, MA. Doors open at 7:30 and admission is $15 at the door. The Cat Cafe serves beer, wine, soft drinks, coffee, and snacks throughout the evening. Check our website for more information: www.byfieldcac.org. SUNDAY, NOVEMBER 13th LOCAL POTTERY ARTIST SHOW & SALE Local Artists Draw You into Their World. Purple Sage Pottery Annual Fall Open House and Sale. This has been a popular event for many years. There will be an abundance of decorative and functional pottery and sculpture for sale made by thirteen local clay artists. There will be a kiln opening on Saturday morning, demonstrations throughout the show and light refreshments. Perfect for children and all ages alike. The studio is located at 3 Mechanic Street in Merrimac, MA and will be open to the public from 10am to 5pm Saturday, November 12th, and from 12pm to 5pm Sunday, November 13th. For more information about Purple Sage Pottery and the fall show, go to the web site at: www.purplesagepottery.com , call 978-346-9978 or like us on Facebook. WHO’S MUDDY SHOES Sunday, November 13, 4 pm. Whose Muddy Shoes? (Concerts in the Barn!) We’re kicking off our 2016-2017 Concerts in the Barn Series! Whose Muddy Shoes? is a musical quartet specializing in Acoustic Americana folk music. Come on down to the barn! Location: Gould Barn, 1 Howlett Street, Topsfield MA MONDAY, NOVEMBER 14th IPSWICH MEET AND GREET The Town Manager’s office will host a “meet and greet” reception on Monday November 14, from 5:00 – 6:30 P.M. for the Town’s new Building Inspector, Sal Votano. The Reception will be in Room C of the Ipswich Town Hall. Said Town Manager Robin Crosbie, “I am pleased to welcome Sal as a member of our management team. I have been impressed with his knowledge and professionalism during his tenure as interim Building Inspector and believe he will be an asset to our community.” LIVE AUCTIONS Every Monday Night. 60 Years Same Location! Rt. 1, 495 Lafayette Rd., Hampton, NH, www.AntiquesForYou.com Call or text for items being sold. Text photos of any items you may like us to sell for you! (603) 396- 0192 PUMPKIN ORNAMENT CRAFT Monday November 14, 6:30-8 pm. Pumpkin Ornament Craft, Come in and make this easy fall craft! Using just cork, glue, paint, and a few slivers of material, you’ll leave this session with your own pumpkin ornament, perfect for adorning your house this Thanksgiving! *Class size is limited to 12 participants. Call the library to register or register Continued on page 12 YOUR SOURCE FOR YOUR SOURCE FOR Continued on page 12 PROPANE PROPANE AUTOMATIC DELIVERY AUTOMATIC DELIVERY • NO RUN OUTS NO RUN OUTS! • COMPETITIVE PRICING COMPETITIVE PRICING! Northern Essex Fuel Corp. Automatic Delivery 24 Hour Burner Service Reliable . Honest . Friendly Service (978)388-5240 Prices subject to change. SWITCH TO MACKENZIE AND RECEIVE A $25-$100 AMEX GIFT CARD* Switch to Mackenzie and receive a $25-$100 Amex Gift card!* CALL TODAY TO SWITCH $1.82 per gallon 100 gallon min (978)374-1540 *Call for details CALL TODAY TO SWITCH! FREE - FREE NO - HASSLE NO TANK TANK SWAPS! SWAPS! 1-888-401-HEAT . Mackenziefuels.com 1-888-401-HEAT • Mackenziefuels.com 14 Amesbury Rd, Newton, NH 03858
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