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American Dental Association Web Survey Offers Chance at $150 Gift Certificate

Saturday, August 22nd, 2009

Participate in the American Dental Association (ADA) Web-based survey at www.ada.org/goto/publicsurvey and become eligible to win a $150 Amazon.com gift certificate and, at the same time, help redesign the ADA’s Web site, ADA.org (see also <http://www.newsrx.com/library/topics/American-Dental-Association.html> American Dental Association).

ADA.org provides news and information on hundreds of dental topics, ranging from basic dental care to baby’s first tooth to gum disease to tooth whitening. These topics also include an extensive video collection of various oral health subjects.

The survey, which takes about 10 minutes to complete, shares three creative designs and asks participants their opinion of each one. Feedback from the survey will help the Association select a design that prompts visitors to make ADA.org their primary source for oral health information. Everyone who completes the survey by Monday, Aug. 17, 2009 is automatically in the drawing for a $150 Amazon.com gift certificate. However, to be eligible to win, participants must be at least 18 years of age and reside in the United States.

The ADA will announce the winner of the gift certificate later this month.

About the American Dental Association

Celebrating its 150th anniversary, the not-for-profit ADA is the nation’s largest dental association, representing more than 156,000 dentist members. The premier source of oral health information, the ADA has advocated for the public’s health and promoted the art and science of dentistry since 1859. The ADA’s state-of-the-art research facilities develop and test dental products and materials that have advanced the practice of dentistry and made the patient experience more positive. The ADA Seal of Acceptance long has been a valuable and respected guide to consumer dental care products. The monthly Journal of the American Dental Association (JADA) is the best-read scientific journal in dentistry. For more information about the ADA, visit the Association’s Web site at www.ada.org

Keywords: American Dental Association, Gum Disease.

Two Texas Dental Students Receive One-time Scholarships from United Concordia Dental

Saturday, August 22nd, 2009

Two students from the University of Texas Health Science Center at San Antonio Dental School have received one-time scholarships of $2,500 per student from United Concordia Dental to help pay for tuition. Maritza Chavez, 23, of McAllen, Texas, and Winston Faltine, 25, of Houston, were chosen for their academic achievements and contributions to the community.

“We are proud to provide these two outstanding students with scholarships,” said Harlon L. Robinson, corporate vice president of human resources and administration and diversity chairman, United Concordia Dental. “This program is an example of United Concordia Dental’s longstanding commitment to the education of women and minority students.”

United Concordia Dental created a scholarship and grant program to help recruit women and minorities to the dentistry profession and to improve access to dental care for those in need.

“Many dental schools realize that minority communities have a disproportionate burden of dental problems and a short supply of minority providers,” said Gary Delz, DDS, United Concordia’s Texas dental director. “This year’s recipients have demonstrated a strong desire to help their communities through a career in dentistry.”

After graduation from dental school in 2013, Faltine and Chavez plan to provide dental services to the underinsured and uninsured. Chavez said she plans to use her skills as a dentist to serve children in the Rio Grande Valley, where she grew up. “I chose to become a dentist because when I was growing up, my family could not afford dental care,” Chavez said. “I believe that as a health care professional, I will be in a position where I can help serve the needy. When I graduate, I plan to return to the Rio Grande Valley and serve my community.”

Faltine said he hopes to practice in Texas. His wish to become a dentist started in Venezuela, where he was born and raised. “I grew up in a small town where my mom was one of the few dentists available,” he said. “We lived above my mother’s dental clinic, and I still remember watching patients coming to the house during weekends and holidays with teeth issues. My commitment and passion began there and remains strong. As I learn more about this exciting field, it grows even stronger.”

United Concordia awarded scholarships and grants to 20 students during the 2008-2009 school year at the Harrisburg (Pa.) Area Community College (HACC) Dental Hygiene Program; Medical College of Georgia School of Dentistry; University of North Carolina School of Dentistry; University of New Mexico Division of Dental Hygiene; and University of Texas Health Science Center at San Antonio Dental School. The grants were awarded to students at six Historically Black Colleges and Universities (HBCUs): Bowie State and Morgan State universities in Md., and Elizabeth City State, North Carolina A&T State, North Carolina Central and Winston Salem State universities in North Carolina.

Keywords: Pediatrics, Dentistry, Pediatrics, United Concordia.

Killer Charm : Dentalplans Coupon

Saturday, August 22nd, 2009

Philip Markoff, the alleged Craigslist Killer, is a classic example of a terrifying type of psychopath: a clean-cut guy who seems normal…until he reveals his hidden violent side. Former Manhattan sex-crimes prosecutor Linda Fairstein tells what she’s learned about these murderers and the young women who fall for them.

At 10:15 on the evening of April 14, 2009, Boston detectives responded to emergency calls from the posh Marriott Copley Place hotel. A young woman, later identified as 25-year-old Julissa Brisman, had been found lying in the doorway of her hotel room on the 20th floor. She had been hit over the head and shot three times. One bullet entered her heart and killed her almost instantly.

Brisman was an aspiring actress and model from New York City, a petite and striking woman who had also worked on and off as an erotic masseuse, advertising her services on Craigslist. It soon emerged that she’d planned to meet an online client that night in Boston. When police uncovered the Craigslist connection, they were instantly reminded of another case: Just four days earlier, in a room at Boston’s nearby Westin Copley Place hotel, a 29-year-old woman who’d listed herself in the erotic-services section on Craigslist had also been attacked by her client. In that case, the assailant pulled out a gun, bound her hands behind her back, and robbed her before vanishing.

As investigators struggled to pull together leads in the two cases, another hotel attack occurred just over the state line in Rhode Island. Two days after Brisman’s murder, another woman who had advertised erotic services on Craigslist was tied up by her client in a room at the Holiday Inn Express, but the assault was interrupted and the attacker escaped.

In the press, the Craigslist Killer case began to take on a psycho-on-the-loose, Silence of the Lambs kind of sordidness: The guy appeared smart and brazen, yet it was hard to picture him as anything other than a lowlife — perhaps an ex-con with a history of robbery or murder, someone who’d give you the creeps if you shared a hotel elevator with him.

But when the cops arrested a suspect within the week, the public was in for a shock. Security-video footage showed a good-looking guy strolling away from two of the crime scenes while casually checking his cell phone. Investigators tracked him through e-mail forensics and other evidence and, on April 20, arrested the man identified as the alleged Craigslist Killer as he drove on the interstate with his fiancée. He was later charged with murder and multiple other crimes.

In all other ways, though, the alleged killer defied most people’s assumptions of what evil looks like. Philip Markoff, 23, was a medical student at Boston University. Tall, handsome, from a solid family, and with no criminal record, he was living with his fiancée, 25-year-old Megan McAllister, a fellow med student he had met in college while both were volunteering at a local hospital. They were reportedly planning a beach wedding in August.

Friends of Markoff spoke out immediately, backing McAllister’s statements to the press that “he wouldn’t hurt a fly” and describing him as personable and highly intelligent. News articles mentioned his good looks, as though his physical appearance was an indicator of good behavior. The mainstream media repeatedly used expressions like clean-cut and all-American in describing him.

But as Boston police continued to amass critical evidence, the picture darkened. Investigators found a stash of women’s underwear — which they characterized as souvenirs from victims — in the springs of the bed Markoff shared with McAllister. Detectives also found zip ties (the kind used to bind the two robbery victims) and a semiautomatic gun in a hollowed-out copy of every med student’s bible, Gray’s Anatomy.

You can’t help but wonder: Is it possible that Megan McAllister had no clue that there was something not quite right about the man she planned to marry? All my investigative experience causes me to doubt that. But that is just one of many mysteries that surround the psychopathic personality and the people he deceives.

A Psychopath’s Mask

Many of the details that have emerged about Markoff’s personality fit the criteria for a psychopath: someone (usually male) who almost entirely lacks empathy but can appear normal, even charming and brilliant. Psychopaths apply their intelligence to mimicking conventional behavior; they are both great actors and heartless predators. There are about 1 million in the United States, or about 1 percent of the adult male population (but as much as 25 percent of the prison population). In other words, they can be anywhere. And since their danger flies under the radar, it’s important to understand how they operate.

In my 26 years supervising the sex-crimes unit in the Manhattan District Attorney’s Office, my colleagues and I prosecuted many people who fit the psychopath criteria: dentists and doctors, teachers and lawyers, accountants and professors, college students and the wealthy heirs of prominent parents.

I got my first exposure to the type when, as the newly designated chief of the bureau, I was assigned to the trial of Marvin Teicher, a distinguished-looking and highly respected dentist. A brilliant police investigation, in which a female detective went undercover as a patient, revealed his true character: Teicher was captured on film molesting the sedated woman.

I was as astonished as the rest of the public to discover that a prominent health-care professional — a man whose hobby was starring in musical comedies in an amateur theatrical group — was also a repeat sexual predator. Teicher was my introduction to the elaborate double lives led by psychopaths and to the disguising power of their outward appearance of respectability: their college degrees, their breeding, and often their good looks.

Many psychologists call this power the mask of sanity, a phrase most famously applied to the charming, handsome serial killer Ted Bundy, who was executed in Florida in 1989. Bundy was a law student during part of his killing spree. By the time he was captured, he was estimated to have murdered at least 30 young women in a four-year cross-country rampage. And just like Philip Markoff and Marvin Teicher, he compelled, and traded on, women’s trust.

The mask of sanity is the element that makes women like Trisha Leffler, Markoff’s first known robbery victim, tell reporters, “He was a tall, good-looking guy. When I first laid eyes on him, I was comfortable.” Moments later, he was pointing a gun at her. One of Bundy’s methods was to put his arm in a sling and approach a woman to ask for help in lifting a small sailboat onto his car.

Bundy’s “mask” was so convincing to women that when he was on trial for the horrific murder of a 12-year-old girl in Florida, he asked his then-girlfriend on the stand if she would still marry him, despite all she knew about him. She answered yes. And although Markoff’s fiancée finally reportedly called off the wedding, her first response to his arrest was to e-mail news outlets protesting that “Philip is a beautiful person inside and out and did not commit this crime.”

Often, the women involved with men like Markoff, Bundy, and Teicher are not only blinded by the men’s charm but also deeply in denial. Their friends and family, usually equally blinded, support their choice of such a successful man, and tearing down the illusion becomes increasingly difficult. How could they have gotten so involved with someone so bad?

What the Women Know

But sometimes the spell does get broken and the people in a psychopath’s life realize the signs were always there. In Bundy’s case, an ex-fiancée, Liz Kloepfer, saw the truth and reportedly called police in Utah after he moved there from Seattle, where a number of young women had disappeared and later been found dead. Kloepfer told authorities that Bundy was not at home on the dates some of the women had gone missing, that his sex drive had dwindled when the rape-murders began, that he owned a fake cast, and that he had once tied her up and attempted to choke her. He was eventually arrested during a routine traffic stop, when police found suspicious items, such as handcuffs, in his car.

Once a psychopath is arrested, stories often leak out about earlier crimes. Take the case of Eric Lewenstein, which I supervised several years ago. In 1997, Lewenstein was 22, wealthy, handsome, and living in New York, the son of a high-profile physician and grandson of a financier. One night, he allegedly attacked a young aspiring actress he met at a trendy nightspot, forcing her into the restroom and beating her when she resisted his advances. Despite her injuries, the victim declined to press charges, fearing that she wouldn’t be believed.

She didn’t testify until five years later, when Lewenstein was charged with a similar attempted sexual assault, in which the victim described how the perp smashed her head against the tiles in a restaurant restroom. Both women told their stories in court, and Lewenstein pleaded guilty.

One week after Markoff’s arrest, I got an e-mail from a woman who’d gone to high school with Lewenstein. “Stories will start to come out about Markoff,” she wrote. “We all knew about Eric. His nickname was Frankenstein.”

That’s why when I trained young lawyers investigating sex offenders and killers, I told them to talk to ex-wives and girlfriends. They often have information they’ve been too embarrassed to reveal or they feared no one would believe. Once the mask is ripped off, people who’ve glimpsed behind it come out of the woodwork.

Several days after Markoff’s arrest, a friend of his from undergrad days told the press about a night when the pre-med student overpowered her on their way home from a night out, pinning her against a wall as he came on to her until a classmate pulled him away. “There are other people who have seen glimpses” of Markoff’s dark side, the young woman said. I assume police and prosecutors will be hearing from many of them. We usually do…after the unmasking.

– ADDITIONAL RESEARCH BY AMANDA TUST

Criminally Cold

Psychopaths tend to have very low levels of anxiety and emotional arousal, making them abnormally fearless.

SOURCE: THE INTERNATIONAL HANDBOOK OF PSYCHOPATHIC DISORDERS AND THE LAW

Spot a Psychopath Before It’s Too Late

Psychopaths are masters of deception. That’s why we asked forensic psychiatrist Keith Ablow, a Fox News contributor and frequent expert trial witness, to explain the tiny tics that can tip you off to a dangerous guy.

He’s thoughtless. Since psychopaths don’t feel empathy, they have no problem ignoring your feelings. Watch out for even simple things, like pressure to stay at a party when you’re tired.

His story doesn’t add up. If he leaves a couple of years of his life unexplained, he could be hiding something. “People who edit their life histories may be denying you information about the worst part of themselves,” Dr. Ablow says.

He’s self-obsessed. When he says you’re the only one who understands him, it really means no one does. Run if he hangs out only with “special” people or he feels he’s above following rules.

He’s too perfect. Men who only talk about how great their lives are aren’t being honest. Everyone has loose ends and complaints. “If you get none of that data, you might be with someone who’s a faker,” says Dr. Ablow.

He has two faces. Don’t buy it if your normally sweet guy blames sudden bad behavior on alcohol or drugs. Rage or violence when he’s intoxicated gives you an idea of what goes through his head when he’s sober too.

He has a history of violence. “Many women are good and kindhearted, and they want to dismiss evidence of violence in the past,” Dr. Ablow says. Don’t. If he has lashed out against others, he could easily turn against you.

THE CONTROLLER’S FORUM

Saturday, August 22nd, 2009

CONTAIN HEALTH BENEFIT COSTS WITH SIMPLE COMMUNICABLE MODIFICATIONS

Challenge: Modify our health maintenance organization (HMO) plan to increase cost sharing.

Action: We looked for simple changes in our HMO plan that would keep costs from rising more than 6 percent. Our principal move was to raise average monthly contributions. For employees with single coverage, we raised these from $90 to $95. For family coverage, we raised monthly contributions from $340 to $360. To help retain employee good will, we decided to maintain the copayment for visits to a physician at $ 1 8, which was viewed positively. – Controller, transportation, 400 employees, Connecticut.

USE JIT AND OTHER MANAGEMENT PRACTICES TO LOWER INVENTORY COSTS

Challenge: Take cash out of inventory as our production falls.

Action: We integrated a JIT (iust-in-time) buying process with VMl (vendor managed inventory) to reduce our carrying costs by 50 percent. To do so, we took the top 20 items, which equal 80 percent of inventory dollars, and stocked them on site. Then, we put these stock items on consignment. The 80 percent of items that equaled 20 percent of inventory dollars were put in the JIT program. These are stored in the vendor’s facility. – Controller, manufacturing, 550 employees, North Carolina.

CUT RESEARCH EXPENSE BY RAISING HIT RATE IN OUR PRODUCT PLANNING

Challenge: Separate the wheat from the chaff earlier in our new product cycle.

Action: We have reduced the amount of time we spend on projects that never get implemented. Now, we have a much better success ratio because we do a better job of getting critical technical input and top management buy-in early in our project development cycle. We estimate that the time spent on these go-nowhere projects has dropped from 25 percent of our engineering time to maybe 1 0 percent. -Assistant controller, chemicals, 1,400 employees, Texas.

LOWER TOTAL BENEFITS COSTS WITH CHANGES IN OUR DENTAL PLAN COVERAGE

Challenge: Make small changes that deliver downside protection.

Action: Our dental plan is a popular benefit with stable costs, rising just 2 percent in the most recent year. Here, we decided to maintain the monthly employee contribution for coverage – that is, $17 for individual coverage and $50 for family. But we decided to increase our maximum annual benefit amount from $1,250 to $1,500. This preserves the strength of our coverage for routine dental visits. We continue to pay 100 percent for preventive care but require a 20 percent coinsurance payment for most restorative services. – Controller, services, 150 employees, New York.

MIX SELF-INSURANCE AND EXCESS COVERAGE TO DECREASE P&C PREMIUMS

Challenge: Develop an effective self-insurance program for P&C risks.

Action: We have taken our general liability coverage from a deductible program with third-party administration of claims to a self-insured program with self-administration. We created the functional expertise, systems, and procedures to administer our self-insured program. At the same time, we kept the ability to outsource the management of potentially serious claims to our carrier. We estimate our annual savings to be more than $1 million. -Controller, wholesale/retail, 2,500 employees, Tennessee.

NEGOTIATE FEE REDUCTION IN 401(k) PLAN BY ELIMINATING DUPLICATE PAYMENTS

Challenge: Cut 401 (k) costs without changing our pension program.

Action: Our company uses institutional mutual funds as investment options in its 401 (k) profit-sharing plan. The annual operating expenses of the funds include 1 0 to 1 5 basis points for administrative costs. In past years, the plan was also charged a flat lump sum for recordkeeping and trustee costs. Since this fee ($7,500 per year for a $24 million plan with 120 participants) is duplicated in the fund’s annual operating expenses, we were able to negotiate its elimination. – Controller, services, 700 employees, Minnesota.

TRIM INVENTORY LEVELS BY INCREASING USE OF CYCLE COUNTING PRACTICE

Challenge: Make fuller user of cycle counting.

Action: We implemented a moderately aggressive cycle count program in portions of the warehouse that we reserve for slowermoving items. In the fast-turning sections, we now conduct daily wall-to-wall inventory counts. This has made it possible for our buyers to order on JIT basis. Our control is so great that we can sell inventory in transit. Altogether, these actions reduced inventory costs by more than $20,000 per month. – Controller, distribution, 200 employees, Maryland.

REDUCE TRAINING COSTS BY ADOPTING INTRANET-BASED LEARNING MODULES

Challenge: Develop system for training hourly employees at reasonable cost.

Action: We made sure our hourly workers had access to intranet-based learning modules that are self-paced. This reduces our costs for travel, trainer salaries, and contracted trainers. There are also intangible benefits in this approach, such as the fact that the training in our modules is immediately usable on the job. Even so, there seem to be some drawbacks, with some managers not happy with the quality of staff learning. We’re sticking with this approach, however, since the cost savings may reach $25,000. – Controller, government, 250 employees, Illinois.

LOWER HEALTH BENEFIT SPENDING BY ADJUSTING COINSURANCE FOR HOSPITAL STAYS

Challenge: Boost cost-sharing for big-dollar illnesses.

Action: We adjusted our cost-sharing arrangements for in-network hospital services. After long deliberation, we decided to maintain our coinsurance charge at 20 percent of eligible charges. But then, we decided to add an overlapping set amount per hospital stay, which is $250. Meanwhile, we raised the coinsurance amount for out-of-network hospital stays from 30 percent to 35 percent of eligible charges. – Controller, hospitality, 1,000 employees, Florida.

CHANGE SALARY MIX AND BONUS STRUCTURE TO KEEP DOWN COMPENSATION COSTS

Challenge: Shift gradually to more performance-based compensation.

Action: Several years ago, we began to shift a portion of each year’s merit budget to nonbase funds. Then, we respend this money in successive years. We plan to continue the process until our nonbase funds are 50 percent the size of the base merit funds. We believe this is a tremendous strategy for rewarding annual contributions without compounding future costs. – Assistant controller, high-tech, 4,000 employees, Texas.

MetLife Adds International Dental Travel Assistance Services to Its PPO Dental Plans

Saturday, August 15th, 2009

Access to Oral Health Care Providers in Over 200 Countries

MetLife

Shalana Morris, 212-578-1115

snmorris@metlife.com

or

Karen Eldred, 212-578-9561

keldred@metlife.com

Logo: http://www.metlife.com

When traveling and in need of dental care, help is only a phone call away. MetLife, the largest commercial dental carrier, which administers dental benefits for over 21 million people, announced today that the company has added international dental travel assistance services as a standard feature to its Preferred Provider Organization (PPO)-based dental plans.

Effective immediately international dental travel assistance services are now available to all MetLife Preferred Dentist Program (PDP) participants and their covered dependants. While participants have always had the freedom to go out-of-network to use any dentist, even internationally, this new program provides participants traveling internationally with around-the-clock access to multilingual assistance coordinators that can assist in connecting plan participants with dental providers in over 200 countries. For domestic travel, participants can continue to access MetLife’s online directory or customer service center to find a local dentist within the U.S. among the company’s over 124,000 participating dentist locations.

“Access to timely and quality oral health care is important, yet people who experience a dental event away from familiar surroundings may not know where to obtain the services they need. These obstacles may be compounded when the person also does not speak the native language. MetLife added this new program to make it convenient for travelers to obtain information on locally accredited dentists, to help ensure they receive the care they need, when they need it, wherever they might be geographically,” says Mike Schwartz, vice president, MetLife Dental Product Management.

Any time, day or night, a covered participant can simply call collect to a special telephone number and receive a referral to dental providers in over 200 countries. These providers have been selected based upon strict criteria including schooling and training background; local accreditation; specialties covered and staff experience; experience working with foreign patients; English-language proficiency; and access to the technology needed to provide adequate assistance.

International dental travel assistance services are provided through an agreement with AXA Assistance USA, Inc. AXA Assistance is not affiliated with MetLife, and the services they provide are separate and apart from the benefits provided by MetLife.

For more information about international dental travel assistance services contact the MetLife customer service center or your MetLife representative.

About MetLife

MetLife is a subsidiary of MetLife, Inc. (NYSE: MET), a leading provider of insurance, employee benefits and financial services with operations throughout the United States and the Latin America, Europe and Asia Pacific regions. Through its subsidiaries and affiliates, MetLife, Inc. reaches more than 70 million customers around the world and MetLife is the largest life insurer in the United States (based on life insurance in-force). The MetLife companies offer life insurance, annuities, auto and home insurance, retail banking and other financial services to individuals, as well as group insurance and retirement & savings products and services to corporations and other institutions. For more information, visit www.metlife.com.

More Americans Have Cell Phones Than DentalPlans Coverage

Monday, August 3rd, 2009

Studies link poor oral health with a higher risk for heart disease, stroke, and delivery of premature or low birth-weight babies. Despite these documented risks, 45 percent of the U.S. population is living without dentalplans insurance – nearly twice the rate of people without medical insurance (see also Regence Life and Health).

To help make dentalplans care more accessible to people, Regence Life and Health has introduced two affordable, individual dental plans that reward members for being proactive about their dental health. Under the plans, members who incorporate an annual exam and cleaning into their dental routine are rewarded with an increasing level of dental benefits.

“For people whose employers don’t provide dental coverage, it can be very difficult to find coverage on their own,” said Joe Wilds, chairman and president for Regence Life and Health. “However, Regence’s new individual dentalplans benefits provide a solution for individuals and families seeking affordable and comprehensive coverage – because dental health is too important to leave to chance.”

Free dental clinic gave man reason to smile

Tuesday, July 14th, 2009

Stephen Heiden camped out the afternoon before the Mission of Mercy free dental program opened its doors at 6 a.m. Friday.

The La Crosse man wanted to make sure he was seen by one of the hundreds of dental professionals volunteering their time and skills in the first of its kind program in Wisconsin.

He couldn’t remember that last time he had seen a dentist, but he recalled one tooth extraction cost him $330.

“Before that, a long time ago, I had an extraction for $60,” Heiden said. “It had gotten to the point that I really needed to see a dentist and couldn’t afford it.”

He said he has a job that pays $9 an hour, but he has no medical or dental insurance.

“My bills I can afford to pay, but that’s about it,” Heiden said.

Heiden waited at the head of the line for 13 hours until the doors opened for the first of two days of the dental project. He was the first to be seen by a dentist, and he proudly kept his No. 1 card.

“He really needed to be seen,” said Karen Spitzer, a La Crosse dentist who filled six cavities for Heiden to start her day.

Spitzer said she could only spend a maximum 45 minutes per patient, but advised Heiden that he could go to the end of line and come through process again for more care.

That’s exactly what he did.

Heiden said he even waited longer so he could see Spitzer again. She filled a few more cavities for him.

“I’ve seen a lot of cavities, and I’ve pulled a lot of teeth,” Spitzer said. “I pulled 13 on my last patient.

“It’s been very rewarding,” she said. “I’ve had patients cry, and I received a lot of hugs.”

Heiden said he had nine cavities filled. He was especially worried about a front tooth.

“If I didn’t have this opportunity, I could have lost that tooth,” he said.

He said he couldn’t believe all the help he received and how he was treated with dignity and respect.

“I have not felt good about my smile,” Heiden said. “Actually I felt ashamed of it.”

Heiden said he hopes to start seeing a dentist regularly.

“I don’t want dentures. Now I hope I’m able to keep my own teeth,” he said.

Heiden was so grateful, he became a volunteer that day at the dental project and ran errands and escorted other patients.

He returned the next day, his 45th birthday, to volunteer again.

Someone brought candles to light on a piece of cake, and others sang “Happy Birthday” to him.

“I wanted to help someone else to give back for the help I received,” Heiden said. “This has been the most amazing gift I have been given.”

It’s amazing to me that dental care can be a gift when it should be a right. Stand up and tell your legislators that dental access should be a priority.

Government promised low-income people dental care and has yet to deliver.

MetLife Introduces Small Business Resource to Help Companies Maximize Benefits ROI

Tuesday, July 14th, 2009

MetLife, a leading provider of employee benefits, today announced the availability of a new resource designed to help small businesses more effectively leverage benefits programs as employers seek to drive employee productivity, loyalty and retention while containing overall costs. Small Business Benefits: Cost-Effective Strategies for Maximizing ROI, a supplement to MetLife’s 7th annual Study of Employee Benefits Trends, is the result of surveying nearly 1,000 benefits decision makers at companies with fewer than 500 employees as well as hundreds of the employees who work for these smaller businesses. The research supplement is available at whymetlife.com/sbtrends2009.

“Despite economic challenges, employee retention remains the top benefits objective for employers, but we have found that it is of even greater importance to smaller employers,” said Georgette Piligian, senior vice president, Small Business Strategy & Operations, MetLife. “For smaller businesses, the loss of a few key employees can have a significant impact on costs and operations. The MetLife study should help small businesses more effectively optimize their benefits programs as they strive to deliver on their business objectives.”

Benefits Linked to Loyalty & Retention

“To maximize the value of benefits, employers must first understand how they may help address retention and loyalty goals,” said Piligian.

According to MetLife’s 7th annual Study of Employee Benefits Trends, approximately seven in ten (66%) workers at companies with fewer than 500 employees report that benefits such as life, disability and dental insurance are significant drivers of their feelings of loyalty towards their employer, behind salary and wages (85%) and health benefits (71%). While small businesses are on par with larger companies when it comes to offering medical insurance (95% and 96% respectively), the divide widens for other products. For example, only 65% of small businesses with fewer than 500 employees offer dental insurance compared to 93% of those employers with 500 or more employees.

The addition of life, dental, disability and other insurance benefits can be important factors when considering overall job satisfaction among employees. The study found that 73% of employees who were satisfied with their benefits were satisfied with their job, while just 22% who were not satisfied with their benefits were satisfied with their job – an indicator that attention to benefits satisfaction could have a positive impact on employee loyalty and retention.

Productivity is increasing in importance for small businesses as well. For companies with fewer than 500 employees, productivity increased as a top benefits objective from 33% in 2007 to 43% in November 2008. However, Small Business Benefits: Cost-Effective Strategies for Maximizing ROI reveals that smaller employers may not be leveraging benefits as effectively as they could be and offers several strategies that small businesses can implement as they seek to drive productivity and retention. For most small businesses, this means maximizing the value of current benefits offered, deepening the pool of available benefits, and giving employees the tools, decision support and information required to make smart choices.

Voluntary Benefits

One significant – but often missed – opportunity for small businesses to maximize their benefits programs is to increase employees’ options through voluntary benefits. The MetLife study found that only about one-third (31%) of employers with fewer than 500 employees see voluntary benefits as a cost-effective way to enhance the attractiveness of an organization’s overall benefits offering. However, when it comes to voluntary benefits, employees say they like the convenience and time savings of buying at the workplace, the ease of payroll deductions as well as group rates. Approximately nine in ten small business employees are interested in their employer providing a greater array of employee benefits that they can choose to pay for on their own.

Wellness Programs

Similarly, small businesses may have the opportunity to actually reduce benefits costs through the use of workplace wellness programs. At a time when small businesses say they are spending 61% of their total benefits dollars on medical insurance, there are many wellness initiatives that can be implemented at little to no cost to the employer, potentially helping to control future medical costs for the employer and employee. In addition, employee interest in health and wellness is high. For example, 73% of employees who participate in wellness programs said the top reason to participate is “I want good health.”

Companies can also promote employee health and wellness through voluntary benefits that contribute to employees’ overall health, such as dental benefits that not only treat oral disease but provide access to important oral health education. While small businesses may not have the economies of scale to implement major wellness programs, Small Business Benefits: Cost-Effective Strategies for Maximizing ROI provides several low- and no-cost wellness program suggestions.

Education: One Key to Cost Effective Benefits Optimization

Small employers may also be missing an opportunity to educate their employees about their benefits options. Only about one-third of workers at businesses with fewer than 500 employees report that their company’s benefit communications effectively educate them on their benefits options so they can select those that best meet their needs. In these challenging economic times, employees are increasingly looking to employers for guidance on securing their personal financial safety net. Forty-three percent of employees at small businesses have taken a greater interest in understanding the employee benefits they receive through their employer because of recent economic events.

“Increased employee interest in workplace benefits also means increased opportunities for employers to leverage benefits to help meet their business objectives,” said Piligian. “Small businesses that are able to maximize the value of the benefits they currently offer – or increase the array of available benefits through the strategic use of voluntary benefits – to address employee loyalty and retentions goals can help put themselves in a better position for sustained viability and continued growth when the economy recovers.”

Study Methodology

MetLife’s 7th annual Study of Employee Benefits Trends surveyed employers and employees at two different points in time, August 2008 and November 2008, to assess how employer and employee attitudes toward employee benefits may have changed from prior years, and, more specifically, how they may have been affected by the changing economic climate. Both sets of research interviews were fielded by Gfk Custom Research North America. More than 1,500 interviews were conducted with benefits decision-makers at companies with two or more employees, representing a mix of industries and geographic regions, and more than 1,300 interviews were conducted with full-time employees, age 21 and over, at companies with a minimum of two employees. Approximately 1,000 interviews were conducted with benefits decision-makers at companies with less than 500 employees and approximately 600 interviews were conducted with employees who work at these smaller businesses. The 7th annual MetLife Study of Employee Benefits Trends is available at whymetlife.com/sbtrends2009 along with a wealth of other related benefits resources.

About MetLife

MetLife is a subsidiary of MetLife, Inc. (NYSE: MET), a leading provider of insurance, employee benefits and financial services with operations throughout the United States and the Latin America, Europe and Asia Pacific regions. Through its subsidiaries and affiliates, MetLife, Inc. reaches more than 70 million customers around the world and MetLife is the largest life insurer in the United States (based on life insurance in-force). The MetLife companies offer life insurance, annuities, auto and home insurance, retail banking and other financial services to individuals, as well as group insurance and retirement & savings products and services to corporations and other institutions. For more information, visit www.metlife.com.

Richland dentist offers monthly pay vs. insurance

Tuesday, July 14th, 2009

Josh Cadwell wants to provide high quality dental care at affordable prices to all.

The Richland dentist recently began offering a membership program that provides preventive dental health care to adults for less than $20 a month. The standard plan includes one annual exam, two cleanings, necessary X-rays and fluoride treatments.

Two emergency visits a year and discounts of 15 percent or more on additional services are also part of the plan. The same services would cost $357 for those paying out of pocket.

It’s a better option than traditional dental insurance plans, which require a lot of paperwork, to save money and get personalized care, said Cadwell, who’s been practicing in the Tri-Cities for more than five years.

Small-business owners can save about 30 percent with his program compared to dental insurance plans, he said. “Our program provides the economies of group care with personalized attention of individual care.”

Cadwell, 32, also clarified that his plan works differently than a typical insurance plan but offers the same tax benefits to business owners for enrolling their employees while providing quality care to patients.

Cadwell Dental already has signed up 120 employees of Cadwell Laboratory as a client and 15 employees and their families at the Cathedral of Joy in Richland. Cadwell said he’s talking to a number of businesses like law firms, real estate companies and other business owners about his membership plans, which can be tailored to meet specific needs.

Nationally, about 40 percent to 50 percent of people see a dentist on a regular basis, but a minority of them do what they need to stay healthy, he said, adding preventive dental care can save huge expenses later.

Cadwell also offers other plans, ranging from $34.50 to $52.50 a month, for those who require more hygiene visits.

“It’s an interesting concept,” said Steve Dilley, co-owner of Harms Pacific Transport in Pasco, after learning about Cadwell’s plan. His company provides health care to 20 of its more than 30 employees but doesn’t offer dental health care.

“It’s not in our budget.” Dental insurance would cost about $50 per person per month to him, Dilley said.

He said he’s glad to hear about other options and is interested in taking a closer look at Cadwell’s program.

Small businesses nationwide are finding it difficult in the current economic environment to provide health coverage to employees, said Troy Nichols, Washington state director of the National Federation of Independent Business, an advocacy organization representing small and independent businesses.

An affordable dental care plan that business owners can use seems to be unique, he said.

Nichols said he knows of many clinics west of the Cascades that provide all primary health care services in their offices for a fixed monthly fee to members, regardless of the number of visits. It doesn’t include hospitalization.

Neither patients nor doctors have to deal with insurance companies in this direct health care practices business model, Nichols said. Cadwell’s plan could be a good alternative, he said. “A healthy employee is a more productive employee.”

A 2007 state law is helping make direct practice popular and is promoting access to basic medical care for all.

Cadwell’s model is technically not a direct practice because it doesn’t provide unlimited services, said Stephanie Marquis, spokeswoman for the Washington state Office of the Insurance Commissioner.

But it may offer an affordable option for some people, she said.

Also, Cadwell’s program doesn’t require patients to pay in advance. The discounted plan breaks down to $19.50 a month for the appropriate preventive/diagnostic care plan, Cadwell said.

Members get the basic preventive care under their plans, and they pay a discounted rate for dental procedures when the services are performed, Cadwell said. Employees even get reimbursed up to 80 percent for dental procedures by their employers under specific plans.

“We are essentially making payment arrangements for services previously provided,” Cadwell said.

Cadwell discusses details of his dental membership program with small-business owners today at his practice at 475 Keene Road, Richland. Hours are from 5 to 8 p.m.

BRIEF: Line forms for free dental care

Tuesday, July 14th, 2009

The line for free dental care began to form last night at 9:30, nearly 10 hours before the doors were to open today at Papillion-LaVista South High School.

By the time the clinic closes on Saturday, more than 1,000 patients are expected to be served.

Stephen Scott of North Loup, Neb., was among those who camped out overnight to be among the first in line today. He and his wife slept in their car.

“I (wanted) to be ahead of the game,” he said.

He said neither he nor his wife has dental insurance. He had his teeth cleaned and his wife needed a root canal, a procedure that at a private office could have cost the couple $600 to $800 out of pocket.

Dr. Brett Thomsen, an organizer, said about 120 people were in line just before the doors opened at 7 a.m. He said he hopes more people turn out; the clinic has 140 dentist available to help patients.

The care is aimed at low-income people and those without insurance. The clinic is open 7 a.m. to 5 p.m. today and Saturday. The high school is located at 10799 Highway 370.