Issuu

SPRING ISSUE 2014 VOL. 46, NO. 2

Bulletin

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Contents Editor

Dr. Jeff Smith

Associate Editors

Dr. Seth Vruggink Dr. Derek Draft Dr. David Huyser Dr. Brian Licari

Advertising Editor Elaine Fleming Executive Secretary WMDDS 511-F Waters Building Grand Rapids, MI 49503 (616) 234-5605 efwmdds@aol.com West Michigan District Dental Society Executive Board 2013-2014 President Dr. Margaret Gingrich President-Elect Dr. Samuel Bander Vice President Dr. Steve Conlon Secretary-Treasurer Dr. Kathleen Ellsworth Editor Dr. Jeff Smith Immediate Past Dr. Tyler Wolf President Directors Dr. Leonard Bartoszewicz Dr. Brian Mulder Dr. Lathe Miller Area Representatives Kent County Dr. Kathryn Swan Ionia-Montcalm Dr. John O’Donald County Mecosta County Dr. Erick Perroud Ottawa County Dr. Kevin Rebhan MDA IV District Trustees

President’s Message...................................................................................................... 2 Editor’s Thoughts......................................................................................................... 4 Trustee Report.............................................................................................................. 6 Tooth Time 2014.......................................................................................................... 8 MDA Announces LEAD – New Program to Develop Future Leaders......................14 Dental Professionals: A Prescription for Your Financial Health...............................18 2014-2015 WMDDS Continuing Education Programs.............................................20 Cash Balance Plans: What are They and Who Do They Really Work For?..............22 Technically Speaking....................................................................................................24 Classified Ads................................................................................................................26 Advertiser Index............................................................................................................27

Dr. Brian Cilla Dr. Colette Smiley

Big Rapids Dental Study Club Officers President Dr. Erick Perroud Vice President Dr. Christa Stern Secretary Dr. Christa Stern Treasurer Dr. Erick Perroud Holland-Zeeland Dental Society Officers President Dr. Meredith Smedley Treasurer Secretary Immediate Past President Ionia-Montcalm Dental Study Club Officers President Treasurer Dr. Kirkwood Faber Kent County Dental Society Officers President Dr. Michael Palaszek Vice President Dr. Kathryn Swan Secretary Dr. James Papp Treasurer Dr. Kathleen Eisin West Michigan Dental Foundation Officers President Mrs. Wendy Mc Ginnis Vice President Dr. Michael Palaszek Secretary Mrs. Dawn Kamyszek Treasurer Mr. Joe Van Laan The Bulletin of the West Michigan Dental Society is published six times a year (the winter issue, spring issue, summer issue, directory issue, fall issue, and holiday issue). The opinions expressed in The Bulletin are not necessarily the opinions of the West Michigan District Dental Society. Contributions to The Bulletin are welcome and should be addressed to The Bulletin Editor, 3050 Ivanrest SW, Suite B, Grandville, MI 49418. Requests for purchase of advertising space should be directed to the Advertising Editor, Elaine Fleming, (616) 234-5605. The deadline is the 1st of the month prior to publication. © 2013-2014 West Michigan District Dental Society Bulletin

About the Cover WMDDS 2014 Tooth Time event, Grand Rapids Children’s Museum Photo by Dr. David Huyser

Mission Statement The Bulletin is the newsletter of the WMDDS and its mission is to inform the membership of upcoming and recent events, state & local issues related to dentistry, and as a forum for its officers, representatives, and members to discuss appropriate topics of interest to the membership. Communication & Advertising Policy The Bulletin will publish submitted articles from members and others that relate to the practice of dentistry, small business, social, or political issues affecting dentists, or other subjects of interest to the membership. All published items are subject to space restrictions and the community standards of the WMDDS. The editors reserve the right to reject any article or advertisement deemed inappropriate and to edit submissions as they see fit. Submission & Publication Policy: Articles and advertisements must be submitted no later than the 1st of the month preceding publication date. The Bulletin has six publications: the winter issue, spring issue, summer issue, directory issue, fall issue, holiday issue. Direct submissions or correspondences to:

WEST MICHIGAN DISTRICT DENTAL SOCIETY | SPRING ISSUE 2014

Dr. Jeffrey S. Smith • 3050 Ivanrest SW, Suite B • Grandville, MI 49418 Phone: 616.531.1554 FAX 616.531.6947 • Email: jssmith@comcast.net Include “Newsletter” in the subject line

PRESIDENT’S MESSAGE

Do You Want to MOM for the Weekend? By Margaret Gingrich, DDS, WMDDS President

ith the hope of spring warmth just around the corner, have you given any consideration to what you might be doing in two months? Has the thought of being a MOM volunteer on any of the days spanning May 29–June 1, 2014 crossed your mind? I am very excited to share this great opportunity with you! There is a board of over 40 people working hard, to make volunteering an opportunity available just outside our back door. If you have never donated your dental services, this might be a great way to start. Giving of our services in other states can be complicated by infrastructure, licensure and insurance issues. With the Mission of Mercy, the event is set up and ready to go. All that is necessary is your time and enthusiasm to give back. I guarantee if you volunteer, you will get more in return than the patients will ever receive in care. After participating in missions I am often asked, “Why do you volunteer?” My response

is, “Just go and you will see. There are no words to express the feeling!” So, if you are not busy the weekend after Memorial Day, come to Big Rapids and be a MOM Volunteer with me. To sign up, go to www.smilemichigan.com/foundation. A copy of the patient recruitment flier can be found on the following page in this Bulletin. Please feel free to make copies and hand them out to potential patients, or post them in areas where you want to recruit. It is now that time of year when the officers and other members of the WMDDS Board step down from, or move up to their next post. So as they say, “Out with the old and in with the new!” This will be my last article as West Michigan District Dental Society President. As I look back on the year, it has been a very productive one. WMDDS has hosted four successful CE courses at Frederik Meijer Gardens & Sculpture Park, with another four planned for 2014-2015. The New Dentist Forum has been very active, and has seen increased attendance at their scheduled events. The Public Relations committee and Tooth Time Task Force also sponsored activities this year. Each month The Grand Rapids Press runs an article on dental issues brought to the public by the WMDDS. Last, and certainly not least, planning for the MOM event has kept us all busy. None of this could have been accomplished without the help of our Executive Secretary, Elaine Fleming and my Board. I would like to say “Thanks” to all of them. Without their help, the WMDDS would not be the force that it is in the dental community.

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EDITOR’S THOUGHTS

The Times, They Are A Changin’, Again By Dr. Jeff Smith, WMDDS Editor

o, this is not the actual title of the famous Bob Dylan song, but the gist of this editorial may not be too far off from what Bob was singing about almost 50 years ago (wow, does that make me feel old!). Dentistry is going through yet another metamorphosis. This time, it is the result of a combination of the ever-increasing rate of technology, and economic factors which have been coming to a head since about the same time that Dylan penned his song. Medicine is introducing a new paradigm known as “personalized medicine.” It is largely born out of the necessity to save costs by eliminating overtreatment, and perhaps avoiding treatment in cases where such treatment would very likely be ineffective. The fact is, the healthcare system (i.e. government agencies, insurance companies, and healthcare providers) is trying to cut costs (i.e. slowly going broke), and what few health care dollars there are out there cannot be spent with the same reckless abandon that they may have sometimes been in the past. While the Affordable Healthcare Act (i.e., Obamacare) is far from being completely implemented, and there are provisions in the law that will cover some dental benefits for some individuals, that is a topic for another article. You ask then, well how does all of this directly impact us as dentists? For as long as all of us can remember, it has been recommended that the ideal interval for dental checkups and cleanings is once every six months for the maintenance of good oral health. We all know that in most cases this model has served the American population well. We also know that some of our patients have certain risk factors such as smoking, diabetes, xerostomia, poor homecare, and genetic predispositions that

make them more susceptible to periodontal disease (and its systemic effects), as well as caries. All of these risk factors have been proven to lead to greater tooth loss in patients who have one or more of them, than in individuals who don’t. So the logic from all of this is: Can patients with few or no risk factors be maintained adequately on a longer (specifically a one year) recall schedule? Imagine the supposed cost savings realized by insurance companies when maintenance costs are cut in half for this “healthier” subset of the patient population. A recent University of Michigan study published in the Journal of Dental Research 92(8):694-701, 2013 has attempted to answer the question regarding tooth loss frequency in highand low-risk factor populations who came in for either one or two preventative visits per year. The 5117 participants used in this study were all under the same dental plan of a large national insurer, and predominantly Caucasian. In order to qualify for the study, they had to have at least 15 years of claim data, be between 34- to 55-years-old at the beginning of the study, have no previous diagnosis of periodontitis, and had to receive regular preventative dental care over the course of the study. Patients were classified as high risk if they smoked, had diabetes, and/or an interleukin-1 phenotype (a genetic marker for inflammation, which can be tested in the office with a cheek swab, which is then sent in for analysis). If a patient had none of these risk factors, then they were put into the low risk group. The conclusions from the study were: First, that 6month recall intervals resulted in less tooth loss than annual recalls in the high risk group. Second, the frequency of tooth loss went up as the number of risk factors increased within high risk individuals. Third, and probably most important/ controversial, there was no significant difference in tooth loss in the low risk population regardless of whether they saw their dentist every 6 or 12 months for preventative care. While the authors of this paper were very forthright in their discussion of its limitations, one has to wonder how close the population used in the study actually mirrors the general population. One could argue that there was some “cherry picking” going on, as anyone with a diagnosis of periodontal disease was excluded. Was this population much less likely to lose teeth to periodontitis over time than usual? In some cases, untreated periodontal disease can go on for more than 16 years before the loss of teeth, which was the length of WEST MICHIGAN DISTRICT DENTAL SOCIETY | SPRING ISSUE 2014

EDITOR’S THOUGHTS

this study. Because information taken from a dental insurance database does not include data on patient homecare, exposure to high dietary sugar intake, or xerostomia (which is becoming more prevalent as our population takes more medications which have this side effect), it is impossible to determine whether the tooth loss which occurred was the result of periodontal disease or caries. One must also consider that as our patients age, they may fall into and out of certain risk factors (i.e. sugar intake, smoking, oral hygiene, A1c number, and/ or medication). This being the case, should we tailor the frequency of our patient’s preventative care each time we see them based on whatever metrics are being used to determine

“high risk” patients? And if we do, how are we supposed to document these risk factors on dental insurance claim forms so that our patients get the preventative care that they need? Keep your ears to the ground. The results of this study are currently being investigated and debated at the national level. Insurance carriers will be closely monitoring the fallout from these investigations, so that they can determine their policies regarding patient coverage. And unfortunately, as we know all too well, in the minds of some of our patients, if insurance doesn’t cover it, then they don’t need it. Yep, the times, they are a changin’.

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TRUSTEE REPORT

Spring 2014 Update By Dr. Colette Smiley, MDA Trustee

am leading off with LEAD! The Michigan Dental Association is looking for leaders and invites you to be part of LEAD: Leadership Exploration and Development. LEAD is an 18-month pilot program designed to develop and enhance leadership and volunteering skills. To learn more and request an application, call Josh Lord at 800-589-2632 or visit smilemichigan.com/LEADprogram. It takes time to develop as a leader – but it is time well spent when you consider the impact you can have on your practice, on your future, and on your profession. Ensuring sustainable membership, leadership and engaged volunteerism is important in any group or organization. The MDA understands the impact of the graying of the profession, the growth of large group practice settings, the shifting of consumer attitudes toward oral health care, and the implications of the changing expectations of today’s professionals on membership. The MDA Board has directed the Membership Advisory Committee to develop a strategic response to some specific targets – new dentists, ethnic minority dentists, and employees of large group practices. Membership initiatives will include developing and implementing programs to help these targets achieve success with their professional goals. As trustee, I recently had the opportunity to spend an evening with an upbeat and engaged group – the New Dentist Forum. This gray-haired girl received a warm welcome and heard an amazing presentation by Dr. Betsy Bakeman. I would strongly encourage WMDDS members under the age of 40 or in practice less than ten years to attend the next NDF event on May 8 at Pietro’s. The New Dentist Forum is fun, full of camaraderie, and offers a great way to connect and discover

what’s happening. Thanks to Drs. Aaron Clark and Matt Lieto for their leadership! West Michigan member dentists routinely take the lead in their own communities helping patients in need, and I hope to see many of you at the MDA Mission of Mercy, May 29 – June 1 at Ferris State University in Big Rapids. Whether you are interested in providing clinical care or not, there are numerous opportunities for you to volunteer. MOM is divided into several departments, with each department needing various types of volunteers. WMDDS members Drs. Margaret Gingrich, Veronica Hamilton, Scott Hodges, Dave Hosking, Paul Korte, and dental student Zach Breen (son of member Randy Breen) have all stepped up to take leadership positions ensuring the success of this year’s MOM. For more information and to register, please visit smilemichigan.com/ foundation/MissionofMercy. Sustained access to dental care is not addressed by a oneweekend event. Healthy Kids Dental, a public-private partnership between the Michigan Department of Community Health and Delta Dental of Michigan, improves access to care for Medicaid-enrolled children by improving provider reimbursement rates. In the counties that currently have Healthy Kids Dental, more than 80% of dentists participate, while less than one quarter participate with traditional Medicaid. Governor Snyder has issued his budget recommendations for 2015 and included in his recommendations is $15.7 million to expand Healthy Kids Dental to Kalamazoo and Macomb counties. If this recommendation is adopted by the legislature, Kent, Oakland, and Wayne would be the only counties left that are not participants in HKD. Children living in WMDDS counties Ionia, Mecosta, Montcalm, and Ottawa have existing HKD coverage. West Michigan takes center stage April 30–May 3 when the MDA’s Annual Session returns to DeVos Hall in Grand Rapids. The latest dental products, services, and techniques, plus many MDA Annual Session show specials and great continuing education will be right in your own backyard. Make an effort to take advantage of this opportunity. Annual Session is also the time for the installation of a new MDA President. I would like to give special recognition to West Michigan member and outgoing MDA president Dr. Norm Palm. Norm has led the Michigan Dental Association WEST MICHIGAN DISTRICT DENTAL SOCIETY | SPRING ISSUE 2014

TRUSTEE REPORT

this past year with vision and wisdom. The next time you see or speak with Norm, be sure to thank him for the work he has done on behalf of our profession. I thank you for the privilege of being your Trustee. Please be in contact with any concerns or comments you may have, or if there is any way I can assist you. I can be reached at 616.560.1104 or colettesmiley@gmail.com.

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TOOTH TIME 2014

Another Great Tooth Time Event! By Dr. David Huyser, Tooth Time Task Force Chair people and organizations, and especially the Tooth Time task force and other dentist volunteers. I would also like to thank the many, many GRCC dental assisting students and numerous GVSU pre-dental and other students. Without them, this event could never happen. The numbers: Thursday evening attendance – 267, Friday attendance was 1,034. We had a GREAT time and would like you to know that we would love to have you join us next year.

fter a winter like this, you may not think of thanking Mother Nature, but thank her we did. For all of the snow we have been forced to endure this winter, she only sent a trace of snow on those two days in early February when Tooth Time 2014 invaded the Grand Rapids Children’s Museum. The cold was bitter but the energy of those young people scurrying around the museum kept it at bay. There was fun to be had, an oh yes, something about caring for teeth means making good choices about food and keeping them clean. Tooth Time is a local Children’s Dental Health Month event supported by the WMDDS, the West Michigan Dental Foundation, and Give Kids A Smile. The Grand Rapids Children’s Museum has hosted the event for many years, and the child-centered environment enhances our ability to ‘reach’ the children with our message. Distributed throughout the museum are several stations where interactive learning opportunities are disguised as playtime. As the children move through the museum, they visit the many hands-on exhibits that are part of the museum as well as our stations in a mishmash order. They don’t see it as a ‘museum’ or ‘Tooth Time’ but rather as one good time after another. Because of this and the carnival-like atmosphere present at the museum, the children seem more reception to the message. After the children visit each station, they are given a goodie bag containing a toothbrush, tooth paste, floss, a sand timer and a sugar-free lollipop to reinforce the message that caring for their teeth means making good food choices and brushing and flossing. The work of many people and several organizations contribute to the success of Tooth Time – thank you to these

Tooth Time Task Force David Huyser, Chair Heather Gietzen Meggan Krause Veronica Hamilton Jessica Massie

Jacob Miller Chris VanDeven Kurt Schabes Lathe Miller

Photos by Dr. David Huyser

WEST MICHIGAN DISTRICT DENTAL SOCIETY | SPRING ISSUE 2014

TOOTH TIME 2014

WEST MICHIGAN DISTRICT DENTAL SOCIETY | SPRING ISSUE 2014

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MDA NEWS

MDA Announces LEAD – New Program to Develop Future Leaders

he MDA will soon begin taking applicants for its new LEAD program, a comprehensive 18-month course designed to build personal leadership skills through immersion experiences in the MDA and its components. LEAD stands for Leadership Exploration And Development. Participants will receive a thorough orientation to leadership at the local, state (MDA), and national (ADA) level. No previous volunteer or leadership experience is required. “The LEAD program creates an opportunity to develop individual leadership skills,” said Dr. Norm Palm, MDA president. “We all have abilities, that if recognized and nurtured, can be excellent leadership traits. Sometimes members are afraid to serve because they don’t think they have the skills to make a difference. The LEAD program will change that and benefit the LEAD participant, our components, and the MDA.” Palm said the program, which was approved by the MDA board in December, will begin with a pilot session starting this year.

Candidate criteria A maximum of 16 applicants will be chosen to participate in the pilot program for 2014. Candidates will complete an online application. Candidates must: • be an MDA member in good standing; • provide a written paragraph addressing “Why are you interested in participating in the MDA LEAD program?; • provide two endorsements by fellow MDA members, business professionals, clergy or similar individuals; • provide a complete and compelling resume or CV. There are no restrictions based on age or past volunteer participation. Dental students are excluded from the pilot program. Stipends and scholarships will be provided to ensure participation is essentially a no-cost experience. For more information Contact Josh Lord, MDA director of membership and strategic initiatives, at 800.589.2632, ext. 415, or email jlord@michigandental.org.

About the program The program consists of three phases. Phase One covers 12 months with three sessions that include: • leadership skills and assessment training; • what makes an effective volunteer; • how the MDA, ADA and local societies support each other, helping member dentists succeed and ensuring the public’s health; • a series of immersion experiences to enhance appreciation and understanding of the tripartite, MDA board governance, state and national governmental affairs, philanthropic activities and MDA public affairs, the peer review process; and MDA Insurance and MDA Services. Other Phase One activities include attending two component society meetings, a multi-day ADA conference, two legislative events, one MDA Insurance seminar, and one in-office meeting. Phase Two consists of an independent group project on a topic relevant to the MDA and/or its components. In Phase Three, participants will be invited to explore volunteer leadership roles within the MDA or local societies. 14

WEST MICHIGAN DISTRICT DENTAL SOCIETY | SPRING ISSUE 2014

Impact your future and your profession with

The Michigan Dental Association is looking for leaders and invites you to be part of LEAD: Leadership Exploration And Development. ● An 18-month pilot program ● Designed to allow member participants to experience the MDA’s many facets ● Develops and enhances leadership and volunteering skills ● Participants will experience various conferences, committee meetings, workshops, group projects, and a trip to an ADA conference — expenses paid It takes time to develop as a leader. As a participant, you’ll make a monthly time investment throughout the 18 months, including two multi-day events. But it’s time well spent when you consider the impact you can have on your future and your profession.

To learn more and request an application, call Josh Lord at 800-589-2632 or 517-346-9415 or visit smilemichigan.com/LEADprogram

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FOCUS ON PROFITABILITY FOR THE EFFICIENT DENTAL PRACTICE A Half Day CE Seminar | 4 Continuing Education Credits Presented by Dr. Charles Blair | Friday, June 20, 2014 | Thousand Oaks Golf Club Are you working “in” your practice rather than “on” it? Learn to see the “big picture”, analyze the business side of your practice, and take solid steps towards increased profitability. Hear strategies, tips and “pearls” on: • Coping with a Down Economy • Fee Profiling and PPO Strategies • Procedure Mix Enhancement • Optimum Staff Ratios • Hygiene Department Strategies Also hear insight on how to: • Move from “cost-based” to “revenue savvy” • Diminish broken appointments – an “economic killer” • Planning a productive and profitable future for your practice Objectives 1. The participant will gain insight into running a practice like a business. 2. The participant will be challenged to new thinking to survive in a changing world. 3. The participant will understand the cost of doing business.

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FINANCIAL NEWS

Dental Professionals: A Prescription for Your Financial Health By Bernard Bowhuis, CLU, ChFc, CFP®, CEO, Benchmark Financial Design Group, Inc.

he demands on dental practitioners today can seem overwhelming. It’s no secret that healthcare delivery is changing, and those changes are reflected in the financial issues that dental care professionals face every day. You must continually educate yourself about new research in your chosen field, stay current on the latest technology that is transforming health care, and pay attention to business considerations, including ever-changing state and federal insurance regulations. Like many, you may have transitioned from dental school to being on your own with little formal preparation for the substantial financial issues you now face. Even the day-to-day concerns that affect most people – paying college tuition bills or student loans, planning for retirement, buying a home, insuring yourself and your business – may be complicated by the challenges and rewards of a dental practice. It’s no wonder that many dental practitioners look forward to the day when they can relax and enjoy the fruits of their labors. Unfortunately, substantial demands on your time can make it difficult for you to accurately evaluate your financial plan, or monitor changes that can affect it. That’s especially true given ongoing health care reform efforts that will affect the future of the industry as a whole. Just as patients need periodic checkups, you may need to work with a financial professional to make sure your finances receive the proper care. Maximizing your personal assets Much like dentistry, the field of finance has been the subject of much scientific research and data, and should be approached with the same level of discipline and thoughtfulness. Making the most of your earning years requires a plan for addressing the following issues. 18

Retirement Your years of advanced training and perhaps the additional costs of launching and building a practice may have put you behind your peers outside the healthcare field by a decade or more in starting to save and invest for retirement. You may have found yourself struggling with debt from years of college and dental school; later, there’s the ongoing juggling act between making mortgage payments, caring for your parents, paying for weddings and tuition for your children, and maybe trying to squeeze in a vacation here and there. Because starting to save early is such a powerful ally when it comes to building a nest egg, you may face a real challenge in assuring your own retirement. A solid financial plan can help. Investments Getting a late start on saving for retirement can create other problems. For example, you might be tempted to try to make up for lost time by making investment choices that carry an inappropriate level or type of risk for you. Speculating with money you will need in the next year or two could leave you short when you need that money. And once your earnings improve, you may be tempted to overspend on luxuries you were denied during the lean years. One of the benefits of a long-range financial plan is that it can help you protect your assets – and your future – from inappropriate choices. Tuition Many dental professionals not only must pay off student loans, but also have a strong desire to help their children with college costs, precisely because they began their own careers saddled with large debts. Tax considerations Once the lean years are behind you, your success means you probably need to pay more attention to tax-aware investing strategies that help you keep more of what you earn. Using preventive care The nature of your profession requires that you pay special attention to making sure you are protected both personally and professionally from the financial consequences of legal action, a medical emergency of your own, and business difWEST MICHIGAN DISTRICT DENTAL SOCIETY | SPRING ISSUE 2014

FINANCIAL NEWS

ficulties. Having a well-defined protection plan can give you confidence that you can practice your chosen profession without putting your family or future in jeopardy. Liability insurance Remember that in addition to potential malpractice claims, you also face the same potential liabilities as other business owners. Some dentists also carry insurance that protects them against unintentional billing errors or omissions. You might consider an umbrella policy as well as coverage that protects you against business-related exposures such as fire, theft, employee dishonesty, or business interruption. Disability insurance Your income depends on your ability to function, especially if you’re a solo practitioner, and you may have fixed overhead costs that would need to be covered if your ability to work were impaired. One choice you’ll face is how early in your career to purchase disability insurance. Age plays a role in determining premiums, and you may qualify for lower premiums if you are relatively young. When evaluating disability income policies, dental professionals should pay special attention to how the policy defines disability. Look for a liberal definition such as “own occupation,” which can help ensure that you’re covered in case you can’t practice in your chosen specialty. To protect your business if you become disabled, consider business overhead expense insurance that will cover routine expenses such as payroll, utilities, and equipment rental. An insurance professional can help evaluate your needs. Practice management and business planning Is a group practice more advantageous than operating solo, taking in a junior colleague, or working for a network? If you have an independent practice, should you own or rent your office space? What are the pros and cons of taking over an existing practice compared to starting one from scratch? If you’re part of a group practice, is the practice structured financially to accommodate the needs of all partners? Does running a “concierge” or retainer practice appeal to you? If you’re considering expansion, how should you finance it? Questions like these are rarely simple and should be done WEST MICHIGAN DISTRICT DENTAL SOCIETY | SPRING ISSUE 2014

in the context of an overall financial plan that takes into account both your personal and professional goals. Some dentists have created processes and products for their own practices, and have then licensed their creations to a corporation. If you are among them, you may need help with legal and financial concerns related to patents, royalties, and the like. And if you have your own practice, you may find that cash flow management, maximizing return on working capital, hiring and managing employees, and financing equipment purchases and maintenance become increasingly complex issues as your practice develops. Practice valuation You may have to make tradeoffs between maximizing current income from your practice and maximizing its value as an asset for eventual sale. Also, timing the sale of a practice and minimizing taxes on its proceeds can be complex. If you’re planning a business succession, or considering changing practices or even careers, you might benefit from help with evaluating the financial consequences of those decisions. Estate planning Estate planning, which can both minimize taxes and further your personal and philanthropic goals, probably will become important to you at some point. Options you might consider include: • Life insurance • Buy-sell agreements for your practice • Charitable trusts You’ve spent a long time acquiring and maintaining expertise in your field, and your patients rely on your specialized knowledge. Doesn’t it make sense to treat your finances with the same level of care? Securities offered through Founders Financial Securities LLC Member FINRA/SIPC and Registered Investment Advisor Benchmark Financial Design Group, Inc. Bernard Bowhuis, CLU, ChFC, CFP®, CEO 2358 S. Garden Ct., Jenison, MI 49428 616.667.8834 | 616.443.4334 bbowhuis@mibenchmark.com | www.ddsMoneyCoach.com

2014–2015 WMDDS CONTINUING EDUCATION PROGRAMS

F r iday, J u n e 2 0 , 2 0 1 4

Focus on Profitability for the Efficient Dental Practice Sponsored by Henry Schein Dental Presented by Dr. Charles Blair Thousand Oaks Golf Club | Registration 7:30 — 8:00 AM | Seminar 8:00 AM — Noon | 4 CEU’s For information, call Elaine Fleming at 616.234.5605 or email at efwmdds@aol.com

F r iday, O ctobe r 2 4 , 2 0 1 4

One-Day Dental MBA Presented by Dr. Howard Farran Frederik Meijer Gardens & Sculpture Park | Registration 7:30 — 8:00 AM | Seminar 8:00 AM — 4:00 PM | 7 CEU’s For information, call Elaine Fleming at 616.234.5605 or email at efwmdds@aol.com

F r iday, J a n u a r y 1 6 , 2 0 1 5

Emergency Medicine Presented by Dr. Stanley Malamed Frederik Meijer Gardens & Sculpture Park | Registration 7:30 — 8:00 AM | Seminar 8:00 AM — 4:00 PM | 7 CEU’s For information, call Elaine Fleming at 616.234.5605 or email at efwmdds@aol.com

F r iday, Ma r ch 1 3 , 2 0 1 5

Successful Management of Acute Dental Pain* – AM session Managing the Endodontic Infection – PM Session Presented by Dr. Ken Hargreaves Frederik Meijer Gardens & Sculpture Park | Registration 7:30 — 8:00 AM | Seminar 8:00 AM — 4:00 PM | 7 CEU’s For information, call Elaine Fleming at 616.234.5605 or email at efwmdds@aol.com (*fulfills 1 hour pain management credit needed for license renewal)

Registration forms will be mailed 2 months prior to each course and will also be available online at www.wmdds.org. 20

WEST MICHIGAN DISTRICT DENTAL SOCIETY | SPRING ISSUE 2014

Legislative Breakfast

y now it seems most everyone is aware that Windows XP will officially be unsupported on April 8, 2014. That unfortunately, presents a difficult decision – upgrade or replace?

Facebook: facebook.com/ddsintegration Blog: ddsintegration.com/blog

Friday, April 25, 2014 Frederik Meijer Gardens & Sculpture Park The end of Windows XP? Part 3 – Upgrade or replace? 1000 East Beltline NE First, a quick refresher on why you need to get rid of Windows Grand Rapids, MI 49525 XP (or at least start that process).

• HIPAA compliance – An XP computer with access to your patient data means your practice is not HIPAA compliant. • Security Please – If youmark can’t get windows updates are plans unpro-now to attend the WMDDS Legislative Breakfast. your calendar andyou make tected from EVERY vulnerability after April 8. This is an important opportunity for WMDDS dentists and local legislators to meet and express views • Compatibilityand – Software vendors are beginning discon-dentistry. Please make every effort to attend. concerns on the issues thattoaffect tinue their support of Windows XP.

reserve your place, pleasecomputer complete to and return the attached form by April 17, 2014. Next, shouldTo you upgrade your existing Windows 7 or just get a new computer? Let’s start with cost. A new computer costs in the neighborhood of $1,000. A Windows 7 license costs roughly $150. Each computer (old or new) will cost approximately $400 to set up. So you need to decide between $550 to keep your old computer going or $1400 for a brand new one. Here is how I Name would decide: • Consider replacing if: Email address – Computer is no longer under warranty (usually 3 years and older) – The computer is slow as is (it will be slower with will be served starting at 8:00 am Breakfast Buffet Windows 7) – The computer has been giving you problems Cost: $16 per person • Consider keeping if: Please checkprocessor payable to: West Michigan District Dental Society – The computer has at least amake Core2Duo – The computer has a Windows 7 license (printed on Return by April 17, 2014 to: the tower) West Michigan District Dental Society To add to the fun, Windows Server 2003 will its support 161end Ottawa Avenue NW Suite 511-F in July of 2015, a little more than a year from now. We’ll talk Grand Rapids, MI 49503 about that in the near future too!

Questions? Contact Elaine Fleming What are your thoughts? 616.234.5605 Comment on our blog or facebook article. We’d love to hear| efwmdds@aol.com your opinions. Are you going to rush away from XP, or slowly or migrate? Dr. Steve Conlon 616.554.5970 | drconlon@sbcglobal.net

WEST MICHIGAN DISTRICT DENTAL SOCIETY | SPRING ISSUE 2014

FINANCIAL NEWS

Cash Balance Plans

What are they and who do they really work for? Brian LaFrenier, CPA, Audit Partner, Beene Garter, LLP

any dental practitioners are looking for larger tax deductions and accelerated retirement savings options, but they are often so busy with their day-to-day responsibilities that they don’t take the time to think about their alternatives. When the appointment with their financial advisor rolls around and they review what they’ve done – buying a cottage, sending the kids to college, etc. – as well as what they need to do, the reality of a quickly approaching retirement hits them. Sometimes a traditional 401(k) plan is not enough. One option for catching up on retirement contributions is to start a cash balance plan in addition to a 401(k)/profit

sharing plan. A cash balance plan is a defined-benefit plan that resembles a 401(k)/profit sharing plan, with some key differences. • Cash balance plans provide for much higher tax deductible contribution limits than a 401(k) plan can provide by itself. The maximum contribution amount is dependent upon an individual’s age. • The cash balance plan is subject to an Annual Actuarial Valuation and certification by an Enrolled Actuary along with minimum funding requirements. • The employer or investment manager manages cash balance plan investments. 401(k) plans generally allow for participant directed investments. • Cash balance plans are usually insured by a federal agency, the Pension Benefit Guaranty Corporation (PBGC). PBGC has authority to take over a terminated plan with insufficient funds and pay pension benefits up to the limits set by law. 401(k) plans are not insured by PBGC. Because a cash balance plan is a defined-benefit plan, the interest credit is guaranteed and is not dependent upon the plan’s investment performance. To increase benefits and the funding range, plans can be amended up to 2.5 months after year-end. Additionally, plans can be frozen or amended to

Employer contribution limits for 401(K) profit sharing plan and a cash balance plan Age

401(k) with Profit Sharing Cash Balance

Total Potential Contributions between both plans

Potential Tax Savings

$57,500

$236,000

$293,500

$117,400

$57,500

$241,000

$298,500

$119,400

$57,500

$229,000

$286,500

$114,600

$57,500

$217,000

$274,500

$109,800

$57,500

$205,000

$262,500

$105,000

$57,500

$195,000

$252,500

$101,000

$57,500

$185,000

$242,500

$97,000

$57,500

$175,000

$232,500

$93,000

$57,500

$166,000

$223,500

$89,400

$57,500

$157,000

$214,500

$85,800

54 22

WEST MICHIGAN DISTRICT DENTAL SOCIETY | SPRING ISSUE 2014

FINANCIAL NEWS

lower allocations before the participants work 1000 hours in a year, and a plan sponsor is never required to fully fund a cash balance plan. If the plan is terminated, however, the nonowner participants must receive the full value of their benefits and the owner can receive a lower distribution amount based upon remaining plan assets in lieu of fully funding their benefit amount. The table on page 22 shows employer contribution limits for a 401(k) profit sharing plan and a cash balance plan. It also shows the total amount a participant could contribute in a year by taking advantage of both options as well as potential tax savings. The tax savings column assumes 40% tax and taxes are deferred.

If you have questions, or for more information on cash balance plans, contact me: Connect with Brian LaFrenier on LinkedIn at: www.linkedin.com/in/blafy Like Beene Garter on Facebook at: https://www.facebook.com/BeeneGarter Follow Beene Garter on Twitter at: https://twitter.com/BeeneGarter

Your practice depends on the individualized service you provide each and every client. So does ours.

Tax Planning and Preparation

IRS Representation

Sales and Use Tax

With extensive hands-on experience in the healthcare industry, our team focuses on the financial and operational challenges you face everyday. We are committed to providing industry-specific expertise relevant to you, without compromising your patient focus.

Accounting Software Installation and Support

Retirement Plan Design and Administration

For more information please visit BeeneGarter.com or contact Brian LaFrenier at (616) 235-5200.

Bookkeeping and Assistance Start-Up Consulting Choice of Entity Analysis Cash Flow Projections

Payroll Processing

Human Resources Succession Planning Business Valuation Estate Planning and Wealth Management

Evolving your practice today for a healthier tomorrow.

Overhead Analysis

56 Grandville Avenue sw . Suite 100 Grand Rapids, Michigan 49503 . 616 235 5200

WEST MICHIGAN DISTRICT DENTAL SOCIETY | SPRING ISSUE 2014

TECHNICALLY SPEAKING

Tech Q & A Submitted by Greg Feutz, President, DDS Integration

Greg Feutz is President of DDS Integration, a Grand Rapids based dental technology company.

y now it seems most everyone is aware that Windows XP will officially be unsupported on April 8, 2014. That unfortunately, presents a difficult decision – upgrade or replace?

The end of Windows XP? Part 3 – Upgrade or replace? First, a quick refresher on why you need to get rid of Windows XP (or at least start that process). • HIPAA compliance – An XP computer with access to your patient data means your practice is not HIPAA compliant. • Security – If you can’t get windows updates you are unprotected from EVERY vulnerability after April 8. • Compatibility – Software vendors are beginning to discontinue their support of Windows XP. Next, should you upgrade your existing computer to Windows 7 or just get a new computer? Let’s start with cost. A new computer costs in the neighborhood of $1,000. A Windows 7 license costs roughly $150. Each computer (old or new) will cost approximately $400 to set up. So you need to decide between $550 to keep your old computer going or $1400 for a brand new one. Here is how I would decide: • Consider replacing if: – Computer is no longer under warranty (usually 3 years and older) – The computer is slow as is (it will be slower with Windows 7) – The computer has been giving you problems 24

• Consider keeping if: – The computer has at least a Core2Duo processor – The computer has a Windows 7 license (printed on the tower) To add to the fun, Windows Server 2003 will end its support in July of 2015, a little more than a year from now. We’ll talk about that in the near future too! What are your thoughts? Comment on our blog or facebook article. We’d love to hear your opinions. Are you going to rush away from XP, or slowly migrate? Facebook: facebook.com/ddsintegration Blog: ddsintegration.com/blog

The Points of Light project

If you would like more information regarding our project or would like to register as a participant,

please visit our website at: pointsoflightonline.org. WEST MICHIGAN DISTRICT DENTAL SOCIETY | SPRING ISSUE 2014

And now for our next good idea: A SIMPLER NAME. Hungerford, Aldrin, Nichols & Carter is now Hungerford Nichols. A simpler name for the same great depth of expertise, friendly service, and most of all — good ideas you’ve grown to expect. Please check out our new website at HungerfordNichols.com to see our new look and ﬁnd a wealth of valuable information and resources for your dental practice. Rick Chrisman, CPA, Managing Shareholder rchrisman@hungerfordnichols.com (616) 949-3200

WEST MICHIGAN DENTAL FOUNDATION GOLF OUTING Friday June 6, 2014 | Egypt Valley Country Club 7:30 am Registration begins Driving Range | Putting Challenge Start your day with a “Rise and Shine” Bloody Mary bar with bagels, fruit, coffee 9:00 am Shotgun start Play Your Own Ball or Scramble formats Immediately following golf Cookout lunch and raffle prize drawing Registration forms will be mailed in April. For more information, email Elaine Fleming at: efwmdds@aol.com Mission Statement: An organization dedicated to the improvement of oral health through the financial support of education and service programs to address the needs identified by the dental profession and the communities it serves in Kent, Ottawa, Ionia, Mecosta and Montcalm counties.

WEST MICHIGAN DISTRICT DENTAL SOCIETY | SPRING ISSUE 2014

CLASSIFIED ADS

The classified ad rate is $10.00 up to and including 30 words; additional words 15¢ each. Space permitting, WMDDS members may place ads free of charge as a membership service. Ads should be submitted in writing and sent with payment to Elaine Fleming, WMDDS, 511-F Waters Building, Grand Rapids, MI 49503. Telephone numbers and hyphenations count as two words, abbreviations count as one word. Ads received after the first of the month prior to publication may appear in the following issue. Dental Office Space for Lease/ Possible Buyin – 2554 Woodmeadow Drive, SE (near Breton and 28th Street), 1300 sq. ft., 4 ops, private office, lab, reception, staff lounge, full basement with lockable storage, excellent parking, plumbed for dentistry and cabled for digital dentistry. Three other dental suites in an all dental building. Very competitive lease rate. Available April 2014. For more information, email westmidental@gmail.com or call 616.401.5134. Immediate opening for an associate dentist in the Grand Rapids area. We are an up-to-date, modern office that is completely paperless. Our office performs all aspects of general and cosmetic dentistry. Email your resume to gr.dentalassociate@gmail.com. Exciting Opportunities for Dentists in the Grand Rapids Area – Help enhance the quality of life for children by providing a positive dental experience right in the school setting. Excellent compensation. MondayFriday. No weekends. For more information or to apply: www.smileprograms.com. For Sale – Family practice in Grand Rapids NE that is part time with great potential, located in an excellent highvisibility location. There is 2050 sq.ft. with 5 ops and a 6th op is plumbed in. Opportunity for more footage if desired. Call 616.485.4884 for details.

We need your help in changing lives, one smile at time. Michigan Community Dental Clinics, Inc. is seeking dentists to join our elite group of 60 quality oriented dental practitioners. We have experienced exponential growth throughout Michigan over a five year period. Our growth continues, and we have several more offices opening in the coming years. We welcome talking to dentists and dental specialists who have a mindset of continuous quality improvement. Our culture is one which places “patients first.” Due to recently increased capacity, we have outstanding full and parttime opportunities. Our facilities fully utilize an electronic patient record, state-of-the-art equipment and the finest sundries available in dentistry. Our facilities are operated utilizing a private-practice model with policies and procedures that encourages efficiency, productivity, improving quality, and cost control. We operate Monday through Friday with no evening or weekend hours. Our full-time positions offer very competitive remuneration and a comprehensive benefits package that includes paid holidays, medical, dental, vision, retirement, disability, paid Continuing Education, professional liability insurance, and a wellness program. For more information on specific clinic openings contact Wendie Rodriguez, Professional Talent Acquisition Coordinator at wrodriguez@midental.org or call 231.437.4739, or visit our website at www.midental.org to learn more.

Seeking full-time employment in a West Michigan general practice office to contribute immediately to the success of an office with a willingness to work nights/weekends to help bolster production and practice availability, as well as generate new patients. I have a desire to be included within the practice’s leadership team to contribute to decision making, developing strategies for practice growth, and to support team development and morale. I’ve been consistently regarded as responsible, personable, a producer, positive, professional, and upbeat. I am currently in a hospital based GPR and am comfortable with all aspects of dentistry, including endodontics and surgery. For a copy of my resume and to discuss possible opportunities indetail, please contact me at grapdds@ gmail.com or call 989-225-0753. Kavo Handpieces for Sale – 6000B have 5 at $400/handpiece, 6500B have 6 at $400/ handpiece, 647B have 8 at $200/handpiece, 640B have 2 at $200/handpiece, 649B have 2 at $200/handpiece. Call 616-453-6323. For Sale – Lab Master Foster Model Trimmer, Model # MT115, like new $400. Contact 616.949.7510. Too busy in your own office and need the extra help? Dentist with nine years of experience looking for part-time employment. Please email dentalassociatemi@hotmail.com.

WEST MICHIGAN DISTRICT DENTAL SOCIETY | SPRING ISSUE 2014

CLASSIFIED ADS

Part Time Associate Dentist – Well established dental office located approximately one hour north of Grand Rapids in White Cloud is seeking an energetic, motivated dentist to join our busy office. We provide quality dentistry and many advanced procedures such as implants, soft and hard tissue grafts, implant borne prosthetics, sinus augmentation, CT scan analysis, third molar surgery, ortho-

dontics and endodontics. This is a great opportunity to provide advanced dental services to patients who don’t care to drive to the big city. We are happy to work with a young dentist just getting started or with a more seasoned dentist. This position is for 1-2 days a week with the possibility of progressing to partnership or buyout. Please submit resume to lifecaredentalresumes@yahoo.com.

Watch the Summer Issue of the WMDDS Bulletin for a series of articles about the Age One Dental Visit, Infant Oral Health, and Points of Light. You will also see information about how to access a wealth of information on the WMDDS website that you can use directly in your practice to start implementing the Age One Dental Exam.

ADVERTISER INDEX

The Bulletin wishes to thank our valued advertisers who support organized dentistry by helping to defray the cost of printing and mailing. Advertising in the Bulletin is seen by over 90% of the dentists in the West Michigan District. This includes five of the fastest growing counties in the state: Kent, Ottawa, Ionia, Montcalm and Mecosta. For information on advertising rates, call Elaine Fleming, WMDDS Executive Secretary at 234-5605. Target your Market – advertise in the Bulletin! Beene Garter.......................................23 DBS Companies.................................28 DDS Integration..... outside back cover Davis Dental Laboratory................ inside front cover Founders Bank & Trust.......................5

brought to you by the WMDDS Points of Light Task Force

Henry Schein.............inside back cover

Dr. Scott Van Timmeren, chair Dr. Stephanie Benton Dr. Elizabeth Christopherson Dr. Veronica Hamilton Dr. Karen O’Rourke Dr. Dan Peters Dr. Colette Smiley

Keystone Pharmacy...........................28

Hungerford Nichols ..........................25

MDA IFG............................................13 PNC Bank...........................................11 ProAssurance.....................................10 Professional Solutions.......................16 Studio 2 Dental....................................7

WEST MICHIGAN DISTRICT DENTAL SOCIETY | SPRING ISSUE 2014

Anticipatory Use of Compounded Drugs Not Allowed Due to new federal guidelines and the latest interpretation of Michigan statutes by the Michigan Department of Licensing and Regulatory Affairs, the state no longer allows for anticipatory office use of compounded drugs. To receive a compounded drug, a prescription must be written for a specific patient.

Accounting, Consulting, Coaching, Investment, and Practice Transitions for the Dental Professional

Dentists who work with DBS Management Consulting experience an

increase in profits

and a reduced

stress

load.

Sen. Joe Hune, (R-Hamburg Township), recently introduced Senate Bill 704, which would allow for anticipatory use of compounded drugs. The MDA is working closely with the Michigan Pharmacists Association to pass this bill.

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Accessible. Problem Solver. Expert. Whatever challenges you face with your patients, I can deliver customized medication solutions, especially when other resources have failed. As a compounding expert, I love to assist prescribers with their most difficult cases. I truly welcome your questions and calls. Together, let’s find a creative solution that benefits your patient! Since 2009

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2.30.2014 Ad - Dan Ted Donna Highlight.indd 1 4:43:56 AM WEST WMDDS MICHIGAN DISTRICT DENTAL SOCIETY | SPRING 2/28/2014 ISSUE 2014

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WEST MICHIGAN DENTAL SOCIETY 511-F Waters Building Grand Rapids, MI 49503

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