ARTICULATOR MDDS
Connections for Metro Denver’s Dental Profession
Sumer 2016 Volume 20, Issue 5
8 Overhead Expense Disability Insurance: Vital Coverage that's Often Overlooked
14 Because Dental Health Matters 20 Health Insurance: Should Your Office Offer a Group Plan?
24 Tough Decisions: Pay Down Debt or Save for Retirement?
DISABILITY INSURANCE THE LACK OF COVERAGE MAY BREAK YOU
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whats inside?
features 8 Overhead Expense Disability Insurance:
12
Vital Coverage that's Often Overlooked
p.
14 Because Dental Health Matters 20 Health Insurance: Should Your Office Offer a Group Plan?
24 Tough Decisions: Pay Down Debt or Save for Retirement?
departments
Advertisers Directory ADA ada.org/meeting .............................. 25 ADS Precise Consultants adsprecise.com ................................ 31 Berkley Risk Services of Colorado berkleyrisk.com ................................ 19 Car Healthcare Realty carrhr.com .......................... Back Cover
4 President's Letter
Catalyst Retirement Advisors, LLC catalystretirement.com ........................ 4 Commerce Bank commercebank.com ........................... 7
5 Pathology Puzzler
Copic Financial Services Group copicfsg.com .................................... 15 CTC Associates ctc-associates.com ........................... 11
6 Editor's Reflections
Disability Insurance for Dentists and Dental Specialists ddsdi.com .......................................... 6
Dentists Professional Liability Trust of Colorado tdplt.com ......................................... 22 Design Resource Group design-resource.com......................... 27 Healthcare Medical Waste Services, LLC hcmws.com...................................... 19 Northwest Mutual shawncopeland.nm.com ................... 26 Pacific Continental Bank therightbank.com ............................. 29 Professional Financial Specialists, Inc. pfsi.net ........................................ 5, 10 Rocky Mountain Oral X-Ray rmox.com ........................................ 11 SAS Transitions sastransitions.com ............................ 26 SEO.com seo.com....................Inside Front Cover
10 Non-Profit Partner Editor Brandon Hall, DDS
18 Non-Profit News
Associate Editor Jeremy Kott, DDS Creative Manager & Managing Editor CT Nelson
28 Event Calander
Director of Marketing & Communications Cara Stan MDDS Executive Committee President Ian Paisley, DDS
30 Member Matters 31 Classifieds
President-Elect Sheldon Newman, DDS Treasurer Nicholas Chiovitti, DDS Secretary Brian Gurinsky, DDS
Editorial Policy All statements of opinion and of supposed factare published under the authority of the authors,including editorials, letters and book reviews.They are not to be accepted as the views and/oropinions of the MDDS. The Articulator encourages letters to the editor, but reserves the right to edit and publish underthe discretion of the editor. Advertising Policy MDDS reserves the right, in its sole discretion,to accept or reject advertising in its publicationsfor any reasons including, but not limitedto, materials which are offensive, defamatoryor contrary to the best interests of MDDS. Advertiser represents and warrants the advertisingis original; it does not infringe the copyright,trademark, service mark or proprietary rights ofany other person; it does not invade the privacy rights of any person; and it is free from anylibel,libelous or defamatory material.Advertiser agrees to indemnify and hold MDDS harmlessfrom and against any breach of this warranty aswell as any damages, expenses or costs (including attorney’s fees) arising from any claims of third parties.
Inquiries may be addressed to: Metropolitan Denver Dental Society 925 Lincoln Street, Unit B Denver, CO 80203 Printing Phone: (303) 488-9700 Dilley Printing Fax: (303) 488-0177 mddsdentist.com The Articulator is published bi-monthly by the Metropolitan Denver Dental Society and distributed to MDDS members as a direct benefit of membership. Š2016 Metropolitan Denver Dental Society Executive Director Elizabeth Price, MBA, CDE, CAE
Member Publication
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PRESIDENT'S LETTER By Ian Paisley, DDS
What a Privilege it has Been
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s I look back on the last six years as a
the chance to meet with so many interesting members of our Society who also
member of the MDDS Board of Directors,
generously volunteer their time to make dentistry in Denver better for us all.
it is not without some sadness that my duties are coming to an end. I have met
As President I was also allowed the honor of selecting a Chairperson for the
with numerous challenges and significant
RMDC during my term. I chose Dr. Eric Rossow who has been a local and
commitment of time, but in the end have benefitted so much
national dental society leader with me since we were in ASDA together
from serving as a leader of our Society.
nearly 16 years ago. With the impending arrival of the larger-than-life ADA Annual Session this October, we were not sure how our
When I came onto the MDDS Board there had been sweeping change in the composition of the MDDS staff, from the top down. There was hope that this would take us in the right direction but few in the Society leadership had ever been involved with the turnover of an executive director. The selection of Elizabeth Price turned out to be a very wise one. She and the staff she brought on have been instrumental in taking our Society to the next level. I can safely say, we are in a far better strategic position than we were six years ago.
annual RMDC would be received. I shouldn’t have been
"I have learned so much, which I will now be able to bring back to my practice. I have also developed a bond with my fellow leaders that will certainly manifest into life-long friendships."
As I made my way through the officer positions during
surprised that Dr. Rossow, our incredible MDDS staff and all the MDDS volunteers came together and made the 2016 RMDC one of the most successful in its 100+ year history. My life after the MDDS Presidency begins in July, but don’t expect me to disappear. I plan to continue supporting our local Society perhaps as a committee chair or certainly as a volunteer. I have greatly enjoyed spending a year on the CDA Governmental Relations Council and find supporting local dental policy very important. I would also like to return to service at the ADA after spending four years as
the last four years, the Mountain West Dental Institute
our 14th District Representative to the Committee on the
(MWDI) went from a concept to a reality. In the beginning, there were
New Dentist from 2005-2009. Having been the youngest MDDS member to
members and even leaders who felt this project would fail to get off the
have served as president should allow me time to pursue many more volunteer
ground. Theodore Roosevelt once said, “It is hard to fail, but it is worse to have
opportunities over my career. So with that, it has been an honor serving the
never tried to succeed.” Through hard work, careful research and meticulous
MDDS and I wish you all the best in your practices and other endeavors.
planning, the MDDS leadership and staff worked together to make this one-ofa-kind learning institute a reality right here in Denver. Financially, the MWDI
Your President,
is becoming the success we anticipated. We hoped to have our Society budget
Ian Paisley, DDS
in the black within three years of opening the institute and I am happy to announce we did it after only two years; as well as recently voting on a budget in the black for next year. During my year as President, I resolved to attend as many of the Society committee meetings and social events as possible. I was able to make nearly every one, which significantly cut into the time I spent on my practice and my family. I am thankful that my wife and business partner have been so understanding. Fortunately, I can say the time spent going to those evening meetings, attending Society events, burning the candle at both ends during RMDC and communicating with my fellow directors has been worth it. I have learned so much, which I will now be able to bring back to my practice. I have
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also developed a bond with my fellow leaders that will certainly manifest into life-long friendships. There were plenty of nights when I would leave my practice already exhausted and find myself having to get pumped up to participate in a committee meeting. A funny thing usually happened though. By the time I left that meeting, I had been re-energized and would get home overflowing with enthusiasm about whatever it was we had accomplished that night at our meeting. I have had
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PATHOLOGY PUZZLER
PATHOLOGYPUZZLER WITH DR. JOHN SVIRSKY
A
Figure 1
twenty-five-year-old white male presented to an oral surgeon for a painful lesion of the left lateral tongue of three-week duration (figure 1). The patient stated it has not changed in size. His past medical history was reviewed and uneventful. However he smoked “recreational weed� twice a week. Previous surgeries included three anterior cruciate ligament repairs. A biopsy was performed. 1. Fibroma 2. Lipoma 3. Papilloma 4. Peripheral giant cell granuloma 5. Pyogenic granuloma 6. Salivary gland tumor 7. Traumatic ulceration 8. Verrucous carcinoma
Follow us on social media to learn about the latest MDDS and oral health news.
Answers on pg. 23
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EDITORS REFLECTIONS By Brandon Hall, DDS
Expect the Unexpected
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e’ve all been there. Everything in the
Without a disability insurance policy to help them recover some of their
office is chugging along great, things
lost income, the financial hardship may have been more difficult on them.
are running smoothly and all of a sudden, something bad happens.
Many of us have spent lots of time, money and hard work to get our
It can disrupt your office flow, your
practices to the level they are so, it’s crucial to have insurance policies in
patients and even your personal life. I recently had
place to help protect against something happening. Every year I have a
something like this happen and it’s further taught me to
conversation with my insurance agent and discuss the policies I have in
expect the unexpected.
place and whether or not things should be updated, replaced or added. I also do this if my office has a substantial amount of growth. That includes
About a month ago, I had a sudden medical situation arise with one of my valued team
members.
I
had
essentially no time to plan for her to be out of the office for an unknown amount of time. While it turned out to be only for a few days, it was certainly a disruption for our office and our patients. Since my office is booking several
"Many of us have spent lots of time, money and hard work to get our practices to the level they are, so it’s crucial to have insurance policies in place to help protect against something happening. "
months out, situations like this can be a major hindrance. We had to rearrange some patients and I had to find last minute temporary help. All said and done, it wasn’t a big deal, but at the time being better prepared and knowing how to adapt made it go smoother than it could have. In this issue, we have several great articles on insurance. Insurance is there for the “what if 's”, much like my aforementioned situation. While many feel as though insurance can be expensive and unnecessary, there’s a saying that “the wealthiest people have the most insurance.” While there are a number of insurance options out there, I believe it’s important to cover the following: your family, your health, your office and your personal income and belongings. Living in Colorado, many of us partake in such activities as climbing, biking, skiing, etc. Unfortunately, mishaps during these outdoor adventures can result in broken bones and torn ligaments. This can mean time away from work and the inability to be a dentist and sustain income. In fact, I personally have met two dentists over the last few years here in Denver that have been permanently disabled from these types of injuries. As a
the purchase of new equipment, adding more team members or an increase in overhead and profit. The last thing you want to do is have the unexpected happen and not be appropriately covered for it. So, I encourage you to reach out to an insurance professional, have them do a thorough insurance evaluation specific to your situation and figure out what’s best for you.
DOES YOUR PERSONAL DISABILITY POLICY: • Cover you in your “own occupation” even if you choose to work in another after a disability? • Separately cover your student loan payments? • Cover you fully for “mental/nervous” claims? • Protect your retirement plan contributions? Be sure to know. Find out how yours compares. For Dentists and Specialists, the best value is the strongest policy. Contact David Richards, Disability Income Specialist for the dental profession since 1993 at 303.714.5875 and visit the website
www.ddsdi.com
result, they’ve been unable to continue their careers as dental providers.
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By David Richards
OVERHEAD EXPENSE DISABILITY INSURANCE: Vital coverage that’s often overlooked
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lthough most dentists and specialists recognize the importance of protecting their income with personal disability insurance, many overlook the need for Overhead Expense Individual Disability insurance. Think about it for a minute. If you suffer a disabling accident or illness, how will you pay your office rent, the salary of a key employee, practice and student loan payments, telephone and utility bills, equipment leases and other fixed overhead expenses that exist whether you’re producing or not? Even if you
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practice in a partnership, are you willing to make up for your disabled partner’s lack of production to keep the bills paid? Is that fair to you? If you don’t carry a properly designed Overhead Expense (OE) Disability policy, you could be in big trouble. Even if you’re only partially disabled (the most common form of disability) and suffer a drop in production, guess what happens: your personal income drops dramatically. Look at a simple example. Lets’ say you become disabled for six months because of a back injury that requires surgery. Because you’re the sole producer in your practice, your gross revenue drops proportionately with your decrease in time spent at the office,
but fixed overhead expenses will remain about the same. What’s the result? Your personal income drops because of your overhead obligations. Even though you had the foresight to buy a properly structured personal policy to replace a significant percentage of your income, your overhead obligations to keep your business alive until your return will come from your own pocket without overhead coverage. Remember, as a business owner, you live with two budgets.
buy a policy that requires a period of total disability before partial benefits are payable. Many group overhead disability plans have significant limitations on their partial benefits. Some only pay a 50% benefit for a maximum of three months and will only pay this limited benefit after a period of total disability lasting 60 days. Read a sample contract carefully before you buy.
Expense/Revenue Ratio Most dental office expenses equal about two-thirds of gross revenue: leaving one-third for the dentist’s income. This means if revenue is $30,000 per month, the dentist’s income is about $10,000. Using our example above, what happens if production falls by 50% for six months because of a back injury? Because fixed overhead expenses stay about the same, the doctor’s income would drop dramatically. In fact, a 50% drop in gross revenue would likely completely wipe out the dentist income. Because of this expense/revenue ratio, even a modest drop in production can produce a big decrease in a dentist’s income because of the fixed overhead expenses. This is where a properly "If you don’t carry a structured Overhead Expense properly designed DI policy becomes so valuable. Overhead Expense (OE) If you have a strong policy that pays adequate benefits for both Disability policy, you total and partial disabilities, could be in big trouble. then you can preserve your personal income much more Even if you’re only effectively.
partially disabled (the most common form of disability) and suffer a drop in production, guess what happens: your personal income drops dramatically."
The Overhead Expense Disability policy that we recommend pays residual (partial) benefits based on the dentist’s loss of gross business revenue. You also never have to be totally disabled first in order to receive benefits. The type of plan we recommend pays residual/partial benefits to the extent that covered expenses exceed gross business revenue. In other words, if you’re partially disabled and your gross revenue is not adequate to pay your fixed overhead expenses, the overhead plan can fill the cash void and save your business. If you’re totally disabled, the policy will reimburse you for up to 100% of the fixed overhead expenses you choose to cover with your policy. If you have adequate personal disability coverage in place, then you’ll still be on a stable financial footing even though your production has ceased or significantly decreased. All Policies Are Not Created Equally The biggest difference that you’ll find among overhead policies from different companies is the waiting period (or elimination period) and how it relates to payment of benefits. You want to make sure your policy allows you to satisfy your waiting period with days of total and/or partial disability. You never want a policy that requires you to be totally and consecutively disabled for the entire waiting period. Even a shorter waiting period on such a policy (like a 30 or 60 day wait) is very difficult to satisfy for two reasons. First, professionals are often times never totally disabled and second, disability days from the same cause are often “scattered.” With a consecutive days requirement, if you return to your office even on a partial basis for one day during the waiting period, you have to start counting them over. Look at this part of the contract very carefully. Never
Strategies For Maximizing Your Overhead Expense Insurance Dollars When shopping for coverage, first analyze your fixed expenses to determine your true needs. Don’t count everyone’s salary at the office and don’t count variable expenses that are contingent upon your production. Be logical so that you don’t overbuy. Remember that overhead policies are reimbursement policies for fixed overhead expenses. They are not designed to cover buy-sell funding obligations or your own salary. Premiums for Overhead policies are fully tax-deductible as an ordinary business expense, no matter the type of business entity. When searching for the right OE policy, be sure to pay special attention to the following contract features: • Are the premiums level and guaranteed to Age 65 with a non-cancelable contract? • Does the policy cover you in your “own occupation”? • Is the waiting period satisfied with days of total and/or partial disability from the same cause that need not be consecutive? • Does the policy have adequate future increase options so you can increase your coverage as your business grows? Remember that any type of insurance policy is a contract between you and the insurance company. Many dentists go without any overhead coverage or buy a group plan for the sole purpose of saving money and then find out at a very difficult time that they didn’t have the coverage they need. Although price is an important consideration, ask yourself why you bought the coverage in the first place. Simply shop for a quality contract and then you’ll rest assured that your practice expenses are covered in the event of disability. It will relieve an enormous amount of pressure on you and your family should the unforeseen occur.
About the Author: David Richards is a Financial Advisor in the state of Colorado and a Field Representative of The Guardian Life Insurance Company of America, New York, NY. David has over 21 years of experience working with professionals on their income protection planning. He worked exclusively with both the Texas and Colorado Dental Associations endorsed disability plans from August 1993 to April of 2000. David is a Field Representative with The Guardian Life Insurance Company of America, New York, NY and holds brokerage agreements with several different insurance companies. Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is an indirect, wholly-owned subsidiary of Guardian. Wealth Strategies Group is not an affiliate or subsidiary of PAS or Guardian. 2015-8553 Exp 7/17
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NON-PROFIT PARTNER By Alexandra Gage
ANGELS IN DISGUISE:
THE COLORADO ORTHODONTIC FOUNDATION WILL MAKE YOU SMILE
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remember I used to have a really bad smile and I wouldn’t smile so much. Now I’m much happier—I just can’t stop smiling sometimes!” These inspiring words come from Oscar S., a young patient who had just completed his braces treatment with the Colorado Orthodontic Foundation (COF). Oscar is one of hundreds of patients in Colorado who have received treatment from the COF since its inception and 501(c)3 non-profit certification in 2009. Now in its sixth year of having specific clinic days to treat patients, the COF is proud to have completed orthodontic treatment on over 200 patients, with an additional 200+ currently in treatment. These orthodontic treatments are possible because of the COF.’s ongoing relationships with orthodontists throughout the state who are willing to donate their time and skill to qualified low-income children and families. The COF orthodontic program has two facets: one where local orthodontists accept patients into their private offices, and another through clinic days at two shared office spaces (one in the Metro Denver and one in Colorado Springs). In these shared clinic spaces, the COF has enlisted the help of four orthodontists who each volunteer six clinic days a year with their staff to provide a large number of orthodontic treatments. These clinic orthodontists (Dr. Cassy Wiggins, Dr. Amy Shearer, Dr. Chad Watts and Dr. Jenee Kaplan) typically see between 25 and 40 patients per clinic day and their dedication to the mission of the COF is unparalleled. The COF volunteer orthodontists, or “Angels in Disguise,” come from far and wide—80 orthodontists across Colorado have agreed to take on patient cases since the program started, and the COF is always looking for new orthodontists willing to help out children in their communities. More information about becoming a volunteer provider can be found on the website at thecof.org. Each orthodontist the COF can bring into the program ensures that at least one child will receive discounted treatment that their family can afford. Partnerships with local dental non-profit organizations, like Kids in Need of Dentistry (KIND), also ensure that COF patients’ total oral health care needs are addressed. Through the KIND partnership, continual involvement with the American Dental Association’s nationwide initiative “Give Kids a Smile Day” and outreach within the community through appearances at RMDC and local orthodontic conferences, the COF aims to educate the public about the benefits of orthodontics as well as enroll new providers and patients. There are over 400,000 children from low-income families in the state of Colorado that are in need of oral health care; these children, under normal circumstances, would not have access to orthodontic care. The opportunity the COF can provide to these families is not only unusual and important, but also fills a service gap in our community. Orthodontics help provide a patient with a beautiful smile. Treatment can also assist a patient's jaw function, ability to bite and chew and long-term health of teeth and gums. The vision behind the COF program and the treatment involved is to help young individuals become more confident in who they are and to become leaders in the community. As the program continues to grow, the COF plans to expand fundraising and sponsorship, bring on new volunteer orthodontists and, above all, continue delivering exceptional orthodontic health care access to Colorado families. About the Author: Alexandra Gage is the Managing Director of the Colorado Orthodontic Foundation (COF). The COF currently provides clinic days out of health clinics in Commerce City and Colorado Springs. More information can be found about the organization at thecof.org and Alexandra can be reached directly at alexandra@thecof.org.
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MDDS REPRESENTS IN DENVERS ST. PATRICK'S DAY PARADE!
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DDS members and staff, along with Henry Schein Dental, Peebles Prosthetics, Kids In Need of Dentistry (KIND), The Colorado Orthodontic Foundation (COF), Dental Lifeline Network, Howard Dental Center, Denver Indian Health and Family Services, Inc. Delta Dental, Commerce Bank and Spectrum AV mounted an amazing float in this year's Denver St. Patrick’s Day Parade. The MDDS access to care float featured tooth fairies, ToothPaste, Toothy (aka Dr. Nick Poulos), leprechauns and plenty o’ green! Toothbrushes, toothpaste and access to care information were handed out along the parade route thanks to an initiative of the MDDS Community Outreach & Public Relations Committee.
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MDDS staff and volunteers pass out toothbrushes, toothpaste and access to care cards along the parade route.
Helpers of all ages encourage parade-goers to show off their pearly whites.
Even the littlest leprechaun helps out on MDDS’s access to care float.
Mr. Toothy gets everyone in the St. Patrick’s Day spirit.
Peebles Dental Lab staff hand out beads to parade attendees.
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Because~
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By Greg Hill, CDA Executive Director hy are Colorado’s dentists engaged at the state Capitol? Because dental health matters.
Building on Success By now you are most likely familiar with some of the measures the CDA has undertaken:
Why is the Colorado Dental Association working to expand access to care? Because dental health matters.
• We have successfully expanded access to quality dental care for our state’s Medicaid population both children and adults. Based on statistics in the American Dental Association Health Policy Institute (HPI) report, “The Oral Health Care System: A State-by-State Analysis,” the percentage of children with Medicaid coverage who visited a dentist over a 12-month period increased from 35% in 2005 to 48% in 2013. That increase is thanks in part to more Colorado dentists participating in Medicaid since the inception of the adult dental benefit. The report also showed that from 2001 to 2013 the number of dentists per every 100,000 Colorado residents increased from 64.3 to 68.7— that’s markedly higher than the statistic for the entire U.S., which stands at 60.5 per every 100,000 individuals.
Why should dental offices take 5 Medicaid patients? Because dental health matters. Access to dental care in Colorado is critical in ensuring the overall health of all Coloradans. No part of the state, be it rural and frontier communities or urban locales, is immune. Now is the time to band together the dental troops and work collaboratively to improve the scope of access to care. It is a mark of how far we have come in the past few years that the Colorado Dental Association (CDA) is now leading public dialogue on oral health on many different levels. Our wide-ranging outreach efforts to our state’s policymakers and underserved communities and populations to our own members, have helped prioritize our agenda for advancing oral health. Why Dental Health Matters The CDA has taken action by launching Dental Health Matters, a communication and social media project that draws together the CDA’s efforts to advance the dental health of Coloradans and highlights the importance of dental health for individuals and the state. With Dental Health Matters at the helm, the CDA is growing a virtual community of stakeholders including oral and public health partners, policymakers, community leaders and the public who are educated on the issue and ready and willing to take action when necessary. Dental Health Matters will draw together all of the Association’s efforts to advance the oral health of Coloradans and provide an even more cohesive and proactive approach for the future.
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• At the state capitol, we have been a forceful presence in advocating the need to fully fund services like Medicaid as well as reinforcing the central role of our profession to maintain and advance quality dental care statewide. • We are working with other oral health stakeholders to better identify and refer patients in need of dental care so they do not have to resort to costly emergencyroom visits. • We have served as a longtime advocate for community water fluoridation throughout Colorado, attesting to its benefits in improving lifelong oral health. • For years, the CDA has been working with Colorado’s rural communities and hospitals to expand access to quality dental care and to integrate it into overall healthcare. We have coordinated with rural healthcare providers to expand capacity at existing locations and develop new points of access to dental care. These initiatives have demonstrated the CDA’s commitment to access to dental care concerns and have enhanced our profile as a force in shaping
smart public policy on access and workforce matters. Despite these successes, more needs to be done. This is where our state’s network of dentists come in with an understanding of the need and a passion about finding a solution.
Dental Health Matters will help shine a light on all that our member dentists are doing to lead the way to greater access to dental care and better oral health for Coloradans.
Working For the Greater Good Moving forward, Dental Health "Now is the time to Matters will provide a framework band together the for all these initiatives. It will allow dental troops and CDA members, stakeholders and work collaboratively to the public to better engage in more coordinated and crucial discussions improve the scope of about dental health issues. It will access to care. " empower the CDA to more effectively communicate the Association’s efforts with fellow oral and public health partners and stakeholders, policymakers, the media and general public. It will provide an umbrella to convene public conversation and action on dental care.
To maximize the impact of Dental Health Matters, we need members like you to take an active role. Follow Dental Health Matters on social media and actively engage by commenting on the posts, sharing your ideas on oral healthcare and posting your experiences with dental health access.
The CDA will use Dental Health Matters to build a broader base of interest in dental health through locally driven content, cutting edge data and news stories from across the country. We will be able to leverage an already-strong presence on social media to tie together our efforts. Dental Health Matters will amplify public communications through social media-driven content.
Remember, your profession is strengthened by our ability to communicate and engage on issues critical to dentistry in Colorado. This initiative will help make that happen ‌ because Dental Health Matters. Like Us on Facebook: www.facebook.com/dentalhealthmatters Follow Us on Twitter: https://twitter.com/TeethMatterCO About the Author: Before taking the job of Executive Director at the Colorado Dental Association in 2014, Greg served as the Assistant Executive Director and Executive Director of the Kansas Dental Charitable Foundation for the last 15 years. He is a graduate of Washburn University School of Law in Topeka, KS and received his Bachelor of Science in Economics from Kansas State University.
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MDDS FAMILY FUN
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he MDDS Annual Spring Family Fun Event at Washington Park was a day filled with networking, great food and some friendly competition! Attendees teamed up and participated in field day games including burlap sack races, balloon toss, egg race and ski walk. Thank you to sponsors Commerce Bank, Henry Schein Dental and Peebles Prosthetics for making the event possible.
Camille Price posing with her dogs Dash & Leo.
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Dr. Eric and Lauren Beckman catching up with the Price Family. mddsdentist.com 16 spring 2016
Attendees competing in a friendly game of tug-of-war.
MDDS President Dr. Ian Paisley starts his team off in the egg race.
N EVENT SUCCESS! Sponsors Ellie Burbee, Paul Jerez and Robin Wandscheider with Commerce Bank have attendees spin the wheel for prizes.
Dr. David Wetherington’s daughter competes in the egg race.
Sponsors Rick Peebles, Cindy Kelly and Audra Ross with Peebles Prosthetics make snow cones for everyone to enjoy after the tough competition.
MDDS President-Elect Dr. Sheldon Newman enjoys the afternoon with his twin grandkids.
MDDS President Ian Paisley and Secretary Nelle Barr.
Sponsor Henry Schein Batboy John Porter
The weather holds out as attendees go head to head in the field day games.
The day ends with a ski race of course. 17 17 17
NON-PROFIT NEWS
Philanthropic Lab Owner Retires from Dental Lifeline Network – Colorado Board
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fter six years of serving on the Dental Lifeline Network – Colorado Board and co-chairing the workforce committee, Rick Peebles, owner of Peebles Prosthetics, Inc., is stepping down from his board position. He will continue to donate to patients through the Donated Dental Services (DDS) and Dental HouseCalls programs.
Dental Lifeline Network – Colorado is part of the national Dental Lifeline Network organization, a charitable affiliate of the American Dental Association. Dental Lifeline Network serves patients in all 50 states and the District of Columbia through more than 15,000 volunteer dentists and 3,700 laboratories. For more information, visit DentalLifeline.org.
"Rick has been an invaluable member of our Board and I feel so fortunate to have had the opportunity to work with him over the last six years. His enthusiasm and hard work will truly be missed at our board meetings. We are thankful that he will continue to improve the lives of our DDS patients every day by his volunteer efforts," said Dr. Steve Nelson, President of the DLN • CO Board. Rick is known for bringing the local community together through his office in Lakewood, hosting arts events, presenting continuing education courses for dental professionals and even sponsoring breakfast for the MDDS St. Patrick’s Day Parade crew. “I think I was involved with an early form of ‘pay it forward’Figure when1 the head Figure 1 at the Ortho Department at the University of Iowa College of Dentistry helped me get my first position as a technician. Indebted, I asked him if there was anything I could do to repay him. His response was to ‘just help someone else!’ I’ve been trying to do that ever since!” Peebles Prosthetics is one of 172 labs in Colorado that donates lab services to the DDS program, helping people with disabilities, the elderly or medically fragile who cannot afford treatment. Since the lab started donating in 1989, Peebles has given more than $97,000 in lab work. Rick Peebles, owner, Peebles Prosthetics, Inc.
“DDS makes it easy for labs to donate,” Peebles said. “You decide which and how many cases to take. You can work with your current customers and potentially gain new ones. There is minimal paperwork and direct costs can be offset by material donations from some of the most widely used companies in the industry.” Dental Lifeline Network – Colorado was founded in 1985 and is endorsed by the Colorado Dental Association. Since its beginning, over 11,818 vulnerable individuals have received more than $28.4 million in donated treatment through the Colorado DDS program. Volunteer today! DDS volunteer labs and dentists are needed across the metro Denver area. Visit dentallifeline.org/Colorado for more information and to sign up.
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HEALTH INSURANCE:
Should your office offer a group plan? By Jesse Berger
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t has been six years since the Patient Protection and Affordable Care
you time and headache. For example, a plan with one carrier purchased
Act was signed into law. At its core, Healthcare Reform established
on-exchange may not give you access to the same panel of providers as with
guidelines such as the removal of pre-existing conditions, unlimited
the same carrier purchased off-exchange. Additionally, you may be missing
lifetime maximums and free preventive care for all plans. Most can’t
out on other carriers that have opted to not offer group plans on-exchange.
argue that these, along with other changes such as extending coverage for
Lastly, remember the exchange is acting as an intermediary between you
dependent children to age 26, are for the positive. Individuals who don’t
and each insurance company. This “go-between” has become a point of
have access to coverage through their employer
many customer service issues.
or who are offered coverage that is deemed to be unaffordable (calculated to cost greater than 9.66% of their total W-2 income in 2016 raising to 9.69% in 2017) now have the ability to apply for subsidies to aid in purchasing coverage. Income qualifications limit this pool to only those individuals and families below 400% of the federal poverty level. So what about the rest? While some reap great benefits, others are left to ponder what good has come from it all. Individuals and families who don’t qualify for assistance have experienced over 400% increases to their monthly premiums. Mandated plan provisions, along with fees to help fund those that cannot afford coverage, contribute to double digit increases in the small group market. With so many
"Ongoing demands for better care and better options have caused the costs of healthcare to increase at alarming rates over the years. As a result of this, several strategies have been deployed by the insurance carriers with an attempt to offset these costs."
unknowns still out there, small employers struggle with the decision to offer benefits to their employees.
The idea of health insurance set forth by BlueCross BlueShield post-WWII had the intent of covering big ticket items that most couldn’t afford. In 1943, tax incentives were the catalyst for businesses to begin offering coverage. Throughout the years, rich plans offering $5 co-pays and $100 hospitalizations became the standard. People stopped looking at the cost of their care and rested with ease knowing their employer was paying for the insurance and their out of pocket costs would not be substantial. The concept of the PCP or “primary care physician” allowed insurance carriers the ability to guide an insured’s care with the hopes of minimizing costs. Ongoing demands for better care and better options have caused the costs of healthcare to increase at alarming rates
over the years. As a result of this, several strategies have been deployed by the insurance carriers in an attempt to offset these costs. Over the last 10
Both state-based and federally-based exchanges were established as a result
years, we have found a shift back to the major medical plan offerings of
of Healthcare Reform. Their main purpose is to facilitate the purchase of
the past. By offering an upfront out of pocket expense and coverage on the
health insurance for individuals wishing to apply for aid as well as small
back end, insurance carriers are able to offset some of the large costs of
businesses that qualify for a tax credit for offering coverage. There are
care. Additionally, a move towards consumer driven health care has given
advantages and disadvantages to purchasing coverage “on-exchange”
insureds knowledge and the ability to guide their own care. By showing
versus “off-exchange”. In most cases, the exchange makes it easy for small
people the costs of procedures, consumers can now start asking questions
employers to designate a set dollar amount that they want to pay towards
like, “Why does an MRI cost $1,200 at this location and $3,500 at another?”
their employees premiums. Additionally, there are options to offer multiple
With insurance carriers working with providers to pay out claims based on
plans with multiple carriers giving employees a wider range of plans
results as opposed to fee for service, there is a hope that the overall costs of
and carriers to choose from. It is important to note that plans vary from
healthcare can come down. Traditionally, a provider is reimbursed from an
insurance carrier to insurance carrier. It is imperative you understand the
insurance carrier based on each service they perform. With results-based
plan you are purchasing. Working with a knowledgeable broker will save
payment, a provider would be reimbursed based on the overall outcome
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20 summer 2016 mddsdentist.com
the patient experiences. This would then support overall better care and
opportunity to contribute to employees out of pocket expenses. For those
less abuse within the system.
companies with at least 20 employees, partially self-funded options have become very attractive. Penalties that were previously imposed on groups
Although the future of healthcare is not 100% certain, we do know that
who transitioned from partially or fully self-funded plans back to fully
there will always be a need to protect people from the catastrophic effects
insured plans have now been removed. This makes this option much less
of large healthcare bills. Employers offering benefits enjoy tax write offs
risky for small employers. Should you experience a year with adverse claims
for the portion of premiums they contribute. Additionally, employee
causing renewal rates to sky rocket, you now have the ability to transition
contributions towards the premiums are not subject to FICA and FUTA,
back to a fully insured plan without those consequences.
thereby reducing those overall tax liabilities. Employees that are offered benefits have an overall higher satisfaction rate and are incented to remain
Your employees are an asset to you and your business. Establishing a strong
with the company. A well thought out benefits package can be a great way
work environment with high employee satisfaction reduces turnover. In
to attract new talent to your company.
reducing turnover, your patients are assured a more consistent experience and by investing in the overall health of your staff, you will be assured
With correct guidance and strategic plan implementation, offering your
great returns. Higher satisfaction along with better productivity will be
employees health insurance is, in many ways, even better than it was prior
byproducts of a well thought out benefits package. By assuring employees
to Healthcare Reform. There are several factors to take into consideration.
are covered for preventive services, you are mitigating your potential risk
Knowing your options is the best place to start. For companies with less
for absenteeism as well.
than 25 employees, consider your eligibility for a small business tax credit for offering coverage. To be
If you decide to offer a group plan
eligible, your total W-2 wages
for your dental office, one of the
for all full-time equivalent
main questions is how much you
employees cannot be more
should contribute. Most offices offer
than $50,000 per full-time
at least 50% coverage. Having your
equivalent.
Unfortunately,
employees contribute at least some of
most dental offices do not
their income to the premiums leads
qualify because of the makeup
to better fiscal responsibility and
of employees. Having dental
awareness. Be careful about offering
hygienists and office managers
100% of the premiums because of
(whose salaries can be upwards
some uncertainty with future costs.
of $75-80,000/year) can cause
That and if you decide to lower your
the average to be over the $50,000 threshold. If eligible, the credit is only
contribution, it’s very difficult to back away from 100% without some
available for two consecutive years and can be up to 50% of your share of
dissent from your team members. Whatever you decide to contribute,
the premiums paid on behalf of your employees. Tax professionals should
you must look at your office overhead and find out what works with your
be consulted to see if you qualify. If it is determined you do qualify for this
current situation.
tax credit, you must purchase your group coverage “on-exchange”. With all of the changes that have occurred over the last five years, now is the For employers that don’t qualify for the small business tax credit, there
best time to revisit employee benefits. Maybe it is a second opinion on your
are still many viable options. Insurance carriers have recently removed
current benefits or researching it for the first time. Reporting requirements
restrictions related to contributions and funding, giving employers more
are now mandatory regardless of the size of your company. Depending
flexibility. Employers continue to have the option to discriminate and offer
your size and plan funding, there are provisions that must be met as of this
coverage to only certain classes of employees. Additionally, there is less
year. Along with aiding you in this, working with a broker incurs no direct
emphasis on how much is actually being contributed towards the employee’s
cost to you and assures you an easier process.
premium and more of an emphasis is placed on simply getting employees covered. Changes in plan options related to HSA (Health Savings Accounts) and qualified High Deductible Health Plans are making these plan options more attractive than they have been in the past. Employers have also found relief by offering an HRA (Health Reimbursement Arrangement). By purchasing plans with higher deductibles, employers experience lower monthly premiums. The HSA or HRA then gives the employer an
About the Author Jesse Berger graduated from the University of Colorado in 2006 where he obtained his Bachelor of Science degree in Business Management. Following, he co-founded Complete Benefit Solutions, LLC with his longtime business partner, Ashley Newell. Their company focuses on small to mid-sized companies in Colorado and their expertise is in providing superior customer service to their clientele.
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$0
New Graduate 1st Year Rate
mddsdentist.com
Articulator Winter 2015
22
PATHOLOGY PUZZLER
PATHOLOGYPUZZLER WITH DR. JOHN SVIRSKY (from pg. 4) Considerations: Pyogenic granuloma, traumatic ulcerative granuloma with stromal eosinophilia The clinical appearance with pain and short duration suggested a traumatic ulcerative type lesion. However, the traumatic ulcerative granuloma with stromal eosinophilia, the pyogenic granuloma and the squamous cell carcinoma could not be excluded. The pain and short duration suggested a reactive/inflammatory process. A pyogenic granuloma could have this appearance and the patient’s age and short duration suggested a benign process. Foreign body granulomas have a history of trauma/injury and typically are not raised and ulcerated. If the lesion was indurated, I would be worried about it being malignant. Salivary gland tumors are rare on the tongue and typically are deeper without ulceration and present for a longer time. Granular cell tumors occur on the tongue but are smaller, non-ulcerated and may be normal color or white surfaced. Fungal infections of the tongue are typically candidiasis which shows scattered white lesions and typically occur in other regions of the mouth concurrently. Other fungal infections such as histoplasmosis when they occur on the tongue could present with ulceration. However, they would be secondary to pulmonary disease.
Figure 2
The diagnostic biopsy revealed the following: Histologic examination reveals sectioned soft tissue consisting of ulcerated mucosa showing transition to an infiltrating squamous cell carcinoma that involves the underlying connective tissue and striated muscle bundles.
Figure 3
The final diagnosis from the biopsied material is a well differentiated squamous cell carcinoma. (Figure 2-3) This tumor is more worrisome since it is invading striated muscle bundles (Figure 4). This diagnosis was a surprise based on the age, short duration (based on patient history) and uneventful medical history. The clinical appearance is compatible with a squamous cell carcinoma. Short duration squamous cell carcinomas are not painful and typically do not occur in 25 year olds. As we have been taught, “tumors do not read textbooks and the patient is a case of one”. This case was submitted by Dr. Dorcha Boisen, a graduate of the Virginia Commonwealth University Oral Surgery Residency Program, who is presently in private practice in Montrose, Colorado. Figure 4
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TOUGH DECISIONS:
Pay Down Debt or Save for Retirement? By David Easton, CFP® and Ron Lottridge, CFP®
L
ike many dentists, you may be torn between paying off debt and the need to save for retirement. Both are important. Both can help give you a more secure future. But, which one should you tackle first? Or should you tackle both at the same time?
There is no one right answer for everyone, but here are some of the factors you should consider when making your decision. Rate of investment return versus interest rate on debt Probably the most common way to decide whether to pay off debt or to make investments is to consider whether you could earn a higher rate of return by investing than the interest rate you pay on debt. For example, say you have a practice loan with a $100,000 balance on which you pay non-deductible interest of 7%. By making additional payments and getting rid of the interest, you are effectively earning 7% on that money. This feels pretty good because by eliminating that debt the rate of return becomes a sure thing.
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The question then becomes whether or not you can earn a higher rate of return on an investment than the loan interest rate. Many times the answer may be yes. But, bear in mind that investment returns are anything but guaranteed. In general, higher rate of return investments have greater risk. There are also tax considerations. Many investment vehicles, such as a 401(k) or SIMPLE IRA, will provide tax benefits that make investing more appealing. Your choice does not have to be all or nothing The decision about whether to save for retirement or pay off debt can sometimes be affected by the type of debt such as home mortgage, credit card, student loans or practice loans. For example, mortgage interest paid is generally deductible on your federal tax return. Let’s say you are paying 4.5% on your mortgage and 18% on your credit card debt. You might
(Continued on page 27)
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26 summer 2016 mddsdentist.com
(Continued from page 24) consider continuing to pay just the required mortgage payment,
Regardless of your choice, perhaps the most important decision you
investing some toward a retirement account to receive the additional
can make is to take action and get started now. The sooner you decide
tax benefit, and directing most of your available resources to paying
on a plan for both your debt and your need for retirement savings the
off the credit card debt.
sooner you will start to make progress toward achieving both goals.
There is another good
About the Authors
reason to explore ways to address both debt and retirement goals. Time is your best ally when saving
"Time is your best ally when saving for retirement."
for retirement. If you say to yourself, “I will wait to start saving until my debts
David Easton, CFP® and Ron Lottridge, CFP® are founding partners of Catalyst Retirement Advisors. Catalyst Retirement Advisors specializes in serving the retirement planning needs of dentists, orthodontists, oral surgeons and other dental professionals. Securities offered through Kestra Investment Services, LLC (Kestra IS) member FINRA/SIPC. Investment advisory services offered through Kestra Advisory Services, LLC (Kestra AS) an affiliate of Kestra IS. Catalyst Retirement Advisors, LLC is not affiliated with Kestra IS or Kestra AS
are completely paid off,” you run the risk that you will never get to that point because your good intentions about paying off your debt can reduce the number of years you have left to save for retirement. And time is your best ally for retirement savings. It might also be easier to address both goals if you can cut your interest payments by refinancing debt. For example, you may be able to explore refinancing a practice loan to a longer term at the same or better interest rate. This can create stronger cash flow that will enable you to fund retirement, invest in your practice, pay down other debt or enjoy a better lifestyle.
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Other considerations When deciding whether to pay down debt or to save for retirement, make sure you take into account the following factors: • Having retirement plan contributions automatically deducted from your paycheck eliminates the temptation to spend that money on things that might make your debt dilemma even worse. Making things automatic can increase your success rate. • Do you have an emergency fund or other resources that you can tap in case of a financial or medical emergency? • Make sure you are invested so that your return has a chance of exceeding the interest you owe on any debt. While your investment should be appropriate for your risk tolerance, if you invest too conservatively, the rate of return may not be high enough to offset the interest rate you will continue to pay.
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• Your income needs to be protected. If you can’t practice due to a disability, every part of your financial and professional life can crumble. Make sure you have adequate business overhead disability coverage to protect your practice obligations and personal disability to protect you and your family.
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Be sure to check out the RMDC HANDS-ON COURSES being held at the:
MOUNTAIN WEST DENTAL INSTITUTE!
Visit MDDSdentist.com for a full schedule of other upcoming courses at the MWDI! • 140-seat Auditorium (can be divided in two) • Banquet Hall • 20-seat Executive Board Room • Hands-on Learning Lab Benches for 40 participants • Large Wet Lab • Four (4) Educational Operatories including one (1) equipped for surgery • 2D/3D Digital Imaging Suite • Planmeca PlanScan™ (mill & scanner) • Equipped to capture and stream live video • MDDS members receive a 15% discount • Multi-day & multi-room discounts • A/V always included • No catering restrictions • Free Wi-Fi • Two (2) free parking structures Metro Denver Dental Society | 925 Lincoln Street, Unit B Denver, CO 80203 | (303) 488-9700
MWDI.ORG
EVENT CALENDAR JUNE 2016 June 24 Nitrous Oxide/Oxygen Administration Training Mountain West Dental Institute 925 Lincoln Street, Unit B Denver, CO 80203 8:00am-4:00pm (303) 488-9700
JULY 2016 July 16 MDDS Shred Event Rocky Mountain Orthodontics 650 W. Colfax Avenue Denver, CO 80204 9:00am-12:00pm (303) 488-9700
SEPTEMBER 2016 September 13 CPR & AED Training Mountain West Dental Institute 925 Lincoln Street, Unit B Denver, CO 80203 6:00pm-9:00pm (303) 488-9700
OCTOBER 2016 October 20-24 ADA Annual Meeting Colorado Convention Center 700 14th Street Denver, CO 80202 All Day
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NOVEMBER 2016
MARCH 2017
November 5 CPR & AED Training Mountain West Dental Institute 925 Lincoln Street, Unit B Denver, CO 80203 9:00am-12:00pm (303) 488-9700
March 3-4 Recognition and Management of Medical Emergencies: Participate in an Advanced and Realistic Clinical Simulation - Dr. Jeffrey Young Children's Hospital 13123 E. 16th Avenue Aurora, CO 80045 9:00am-4:00pm (303) 488-9700
DECEMBER 2016 December 9-10 Hands-on Advanced Grafting and Implantology Utilizing a Cadaver Specimen Mountain West Dental Institute 925 Lincoln Street, Unit B Denver, CO 80203 All Day (303) 488-9700
JANUARY 2017 January 26 MDDS Awards Gala & President's Dinner Downtown Aquarium 700 Water Street Denver, CO 80211 6:30pm-10:00pm (303) 488-9700
FEBRUARY 2016 February 24 Basic Radiation Education for Unlicensed Dental Personnel Mountain West Dental Institute 925 Lincoln Street, Unit B Denver, CO 80203 8:00am-12:00pm (303) 488-9700
APRIL 2017 April 7 Botulinum Toxin (Xeomin, Dysport, Botox) and Dermal Filler Training Level I -American Academy of Facial Esthetics Mountain West Dental Institute 925 Lincoln Street, Unit B Denver, CO 80203 All Day (303) 488-9700 April 7 Botulinum Toxin (Xeomin, Dysport, Botox) and Dermal Filler Training Level II -American Academy of Facial Esthetics Mountain West Dental Institute 925 Lincoln Street, Unit B Denver, CO 80203 All Day (303) 488-9700 April 8 Frontline TMJ and Facial Pain Therapy -American Academy of Facial Esthetics Mountain West Dental Institute 925 Lincoln Street, Unit B Denver, CO 80203 All Day (303) 488-9700
MEMBER MATERS
New Member Welcome Event , Punch Bowl 2-18-16
Dr. David Klekamp takes aim with CU student Melissa Hernandez.
New Member Welcome Event Blake Street Tavern 4-21-16
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spring 2016 mddsdentist.com
CU students & Dr. Isael Aleman hanging out.
New Members, Welcome! Dr. Melissa Alconcel
Dr. Eric P. Mediavilla
Dr. Holly Baller
Dr. Donald P. Miloni
Dr. Stephen D. Barker
Dr. Michael Milos
Dr. Jeremy Barkoff
Dr. Sungkwan Park
Dr. Travis Barr
Dr. Jaanki Patel
Dr. Paul V. Casey
Dr. Christopher A. Patterson
Dr. Chanyoung S. Chi
Dr. Grant D. Petersen
Dr. Andrew Cote
Dr. Bradley Phares
Dr. Todd Crandall
Dr. Charles A. Powell
Dr. Blake Cure
Dr. Amiee Rawlings
Dr. Maura R. Damieder
Dr. Per Reiakvam
Dr. Kristina Eidson
Dr. Stacey Robben
Dr. Roxanna J. Esguerra
Dr. Ross Roggow
Dr. Steven J. Feddick
Dr. Leith Rupp
Dr. Bryant Franz
Dr. Atousa B. Safavi
Dr. JaShon Hughes
Dr. Hayrapet Sahakyants
Dr. Stacy M. Jackson
Dr, Gina-Marie Searle
Dr. Ahmad Kassabji
Dr. Catherine Shonts
Dr. Ankur Kaul
Dr. Randall J. Snyder
Dr. Angelina Ladue
Dr. Jason R. Stott
Dr. Ryan T. Leary
Dr. Tyson J. Tanner
Dr. Tatiana Lehnert
Dr. Steven Tanner
Dr. Bradley Lerud
Dr. Elizabeth Trepka
Dr. Reinuka Mandair
Dr. Ryan Von Feldt
Dr. Katelyn McClure
Dr. Desmond Zoller
Dr. Ian McLean
Wine and Politics – 2-17-16
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spring 2016 mddsdentist.com The American Student Dental Association (ASDA) Colorado Chapter hosts their first Wine & Politics event at MWDI to network and learn about hot topics in dentistry.
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spring 2016 mddsdentist.com Attendees sample six different wines throughout the evening.
CLASSIFIEDS Job Board: Expanded Duties Dental Assistant Are you looking for a change for the better? Are you looking for a new dental office that you can call your home away from home? Are you looking for fun, friendly dental professionals you can call family? Are you looking for an established private practice with the latest equipment, proven materials and techniques in a very comfortable environment? Are you looking for a knowledgeable doctor that appreciates your skills and dedication, well then, this may be a match. Our team family is searching for an exceptional individual that is excited about dentistry and compassionate about helping our patients achieve healthier happier lives. Personal and accurate communication skills are must. Three years of expanded duties dental assistant experience required. Our well established general dental practice treats patients of all ages. We provide quality care in restorative dentistry, crown and bridge, pedodontics, periodontics, endodontics, oral surgery, orthodontics (fixed and Invisalign) and laser. You must be self-motivated requiring minimal supervision. Our practice has one doctor and 7 staff members. We are located in Littleton/HighlandsRanch. Patient treatment hours are Monday 8-5, Tuesday and Thursday 7-4 Wednesday 8-6 with every other Friday 8-12. Please respond with a cover letter describing your skills and the type of practice you are seeking. Salary dependent upon knowledge and experience. Your Roxborough Dentist 8361 N Rampart Range Rd, #200 / Littleton, CO 80125 Ph: 303-979-9209 / F: 303-979-4286 Your Highlands Ranch Dentist 9358 Dorchester St., #103 / Highlands Ranch, CO 80129 Ph: 303-791-0160 / F: 303-791-4286 www.yoursmiledesigner.com
are a well organized and motivated team that provides quality treatment to our family of patients in a high tech, comfortable environment. Please respond with a resume and references. Salary is dependentupon skills and experience Your Roxborough Dentist 8361 N Rampart Range Rd, #200 / Littleton, CO 80125 Ph: 303-979-9209 / F: 303-979-4286 Your Highlands Ranch Dentist 9358 Dorchester St., #103 / Highlands Ranch, CO 80129 Ph: 303-791-0160 / F: 303-791-4286 www.yoursmiledesigner.com Dental Hygienist Busy SE Denver General Dental Office seeking self-motivated RDH. Experience in EagleSoft and Schick Digital Imaging helpful. Must be current: RDH license, CPR and Hepatitis B covered. Resume's to:sedenverdentalhygienist.com or fax:303-759-1862 Real Estate: General Practice for Sale: South West, CO (CO 1602) Annual Revenues $267K, 3 Ops, 1,100 square feet, 3-4 days/week, Dr. Relocating. ADS Precise Consultants, www. adsprecise.com, 888-909-2545, email: frontdesk@adsprecise.com. Perio Practice for Sale, Colorado Springs, CO. Annual Revenues: $876K, Dr. Retiring, ADS Precise Consultants, 888-909-2545, frontdesk@adsprecise.com, www.adsprecise.com. GP: North Denver (CO 1136) Ann Revs $1.3M, 8 ops, 2800 sf bldg 1, 4700 sf bldg 2. ADS Precise Consultants, 888-909-2545.
Dental Front Office Treatment Coordinator Well established General Dentistry Practice looking for an exceptional individual with excellent written and verbal communication skills. You must be fun, friendly and professional. This position requires a minimum of 1 year experience within the dental field. Position requires daily patient interaction. We
GP - Montrose: Price $229K Annual Revenues $650K, 3 ops + 1 possible, 3 staff, 4 days per week, doctor retiring. Bldg for sale 800 sf, 6000 sf lot(CO 1432)ADS Precise Consultants, 800-307-2537, frontdesk@adsprecise.com, www.adsprecise.com.
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