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Page www.TheTownCommon.com February 15 - 21, 2017 When you have too many options to choose from and not enough time... CALL US TODAY FREE Placement Service 508-878-8878 Free Personalized Search Service. Don’t Start Your Search Without Calling Us First! • Alzheimer’s & Dementia Care • Assisted Living Communities • In-Home Care • Personalized Touring of Communities Matching Seniors with Caring Providers for Over a Decade Assisted Living Locators 508-878-8878 / toll free 855-562-7747 jyounger@assistedlivinglocators.com nemass.assistedlvinglocators.com Health & Wellness By J. Peter St. Clair, DMD If you missed any of this series, they can be found at www. thetowncommon.com. Is there a solution to the dental insurance problem we have in this country? I can tell you the way I see it, different groups of dentists may have different views, large dental chains see it from a different perspective, consumers have varied opinions, and insurance companies are leading the way with their solution. These are all very different perspectives. Ask someone how they feel about their medical insurance and they might say that premiums are too high, deductibles are too high, they can’t go to who they want, it’s tough to get appointments sometimes (especially with specialists), etc. Employers looking to cut costs, obviously tend to choose lower cost plans. That usually increases deductibles and may limit which providers the employee is able to see. Depending on your insurance, you may have decreased benefits or none at all, if you see a provider outside of “your network”. What does “in-network” vs. Coffee, specifically the caffeine in it, helps reduce the chronic inflammation that occurs in our bodies as we age, according to a recent study out of Stanford University. Chronic inflammation can cause any number of problems, such as cardiovascular issues, Alzheimer’s disease, osteoarthritis and cancer, according to more than 1,000 research papers. Chronic inflammation starts with the breakdown of molecules in the blood, called metabolites. Coffee apparently has its own set of metabolites that work against Brighter Smiles... The State of Dental Insurance in 2017 - Part 3 “out-of-network” mean? A long time ago, if you had insurance, you could go to anyone and use your benefits. PPO’s and HMO’s eventually formed and were able to provide lower premiums by contracting with providers who agreed to a discounted fee for their services - the “in-network” providers. Providers who do not sign that agreement are considered “out-of-network” providers. Your insurance company decides your benefit level with both in and outof-network providers. The goal for the insurance company is to pay out as little as possible. This is the way dental insurance is trending in this country. There are fewer plans being offered that will allow you to use your benefits with providers outside of their network. Why? It depends on who you ask, but I believe the primary reason is to control costs. And that is understandable…if you’re the insurance company. If you were running a business with a 70% overhead and a major supplier of your revenue decided they were going to pay you 30% less, would you be able to run your business the same way? Of course not. You would need to do things faster, do more of it, and control your costs by investing less in the business, using cheaper materials and paying people less. There is only one winner in this game. Of course, you could not accept the 30% less, have fewer customers, Senior Scene those breakdown metabolites. But again, it’s the caffeine that does it, and researchers are confident that there’s a link between caffeine intake and living longer. Not everyone has a problem with inflammation, say the researchers, and those who don’t are generally people who drink beverages containing caffeine. For this study, researchers paired a large group of participants ages 20 to 30 with a group that’s been part of a long-term Stanford study, those who are over 60 years of age and have been monitored and tested for 10 years. They compared portions of the blood in both group, and here is what they found: --In the high-inflammation and run your business the way you see in in the best interest of your customers. You can’t be very happy reading this, as a business owner, employee, and/or consumer. It is important to advocate for yourself, especially when it comes to your health. I get asked just about daily by patients who are either selfemployed or are not offered insurance through their employer, “Should I consider getting dental insurance?” In most cases, in my opinion, it does not make sense to purchase dental insurance on your own – at least the way that dental insurance currently works. You should definitely talk to your own dentist about that prior to purchasing something. What happens if your dentist doesn’t take (or isn’t in network) with your insurance anymore? Should you stay? How do you find a provider in your network if you choose to leave? What other things do you need to consider in making a decision? ….to be continued 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. Drink Coffee, Live Longer group, more people had high blood pressure, more free radicals running around the blood stream, and fewer relatives who’d live past the age of 90. --In the low-inflammation group, they found an abundance of the metabolites found in coffee, tea and chocolate. If you search online for sources of caffeine, you’ll be surprised at how many foods and drinks contain at least some of it. Ask your doctor how much caffeine is appropriate for you. Some prescription and over-the-counter drugs contain caffeine, and it can act as a diuretic and might have an effect on bone density. (c) 2016 King Features Synd., Inc.
February 15 - 21, 2017 www.TheTownCommon.com Page ARIES (March 21 to April 19) You don’t like rejection. But instead of trying to “ram” your ideas through to an unreceptive audience, stand back and wait for a more favorable environment later this month. TAURUS (April 20 to May 20) Job commitments call for the tidy Taurean to charge into those problem-plagued projects and get them (c) 2016 King Features Syndicate, Inc. into shape. Then go ahead and enjoy the fun and friendships of your expanding social life. GEMINI (May 21 to June 20) The pressures of the workplace are beginning to ease. While you still need to stay connected to your ongoing commitments, you’ll be able to take more time to relax with family and friends. CANCER (June 21 to July 22) You might feel that you need to prove how much you can do. But be careful not to take on more than you can handle, or you risk being bogged down. An Aries has a message for you. 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PISCES (February 19 to March 20) Personal pressures at work could create a problem with your performance. Best advice: Focus on the job ahead of you. If necessary, you can deal with the other issue later. BORN THIS WEEK: Like your fellow Aquarian Abraham Lincoln, you have a way of handling the most difficult situations with grace and conviction. tide chart 42o 49’N 070o 49’W FEB HIGH LOW SUN 15 Wed 2:18 8.37 2:38 8.30 8:47 -0.05 9:09 -0.05 6:40 5:15 16 Thurs 3:02 8.27 3:24 7.94 9:34 0.17 9:54 0.30 6:38 5:16 17 Fri 3:48 8.14 4:12 7.57 10:24 0.40 10:43 0.64 6:37 5:17 18 Sat 4:36 7.99 5:02 7.24 11:17 0.61 11:35 0.92 6:36 5:19 19 Sun 5:26 7.85 5:56 6.97 12:12 0.74 xx xx 6:34 5:20 20 Mon 6:20 7.76 6:52 6.81 12:28 1.11 1:0 0.77 6:33 5:21 21 Tues 7:15 7.76 7:48 6.78 1:23 1.19 2:03 0.71 6:31 5:23 22 Wed 8:09 7.86 8:42 6.90 2:16 1.15 2:55 0.56 6:30 5:24 23 Thurs 9:01 8.05 9:32 7.13 3:07 1.02 3:44 0.36 6:2 5:25 Sponsor Me! 978-948-8696 The Town Common Reliable . Honest . 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