AAO President Dr. Nahid Maleki with
Rep. John Garamendi (D-CA)
On Tuesday, October 10th, Rep. John Garamendi (D-CA) and Brian Fitzpatrick (R-PA) introduced the Student Loan Refinancing and Recalculation Act (H.R. 4001) to the 115th Congress.  The American Association of Orthodontists recently spearheaded efforts to encourage the introduction of this legislation, involving 14 other dental groups.
If Congress votes to pass the Student Loan Refinancing and Recalculation Act, it would provide parity in the ability to refinance student loans and would ensure that the federal government does not profit from student borrowers.

“Orthodontists now graduate with an average of $365,000 in student loans. The AAO supports this legislation because it focuses on reducing the enormous debt load our residents and graduates currently face,” says Dr. Nahid Maleki, President of the American Association of Orthodontists. “Reducing interest rates and fees and allowing refinancing for today’s graduates are critical steps to helping them repay these loans sooner and more efficiently so they can begin to invest in their futures and careers.”
Key features of the Student Loan Refinancing and Recalculation Act include: 
  • Allowing borrowers to refinance their student loan interest rates to the 10-year Treasury note rate, plus one percent, throughout the lifetime of the loan.
  • Eliminating origination fees and instead setting future student loan interest rates at the 10-year Treasury note rate, plus one percent.
  •  Delaying student loan interest rate accrual for many low- and middle-income borrowers while they are in school.
  • Allowing borrowers in medical or dental residencies to defer payments until the completion of their programs.
Oct. 10, 2017

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National Orthodontic Health Month, celebrated each year in October, has always been both a chance to have fun with your patients, staff and community and an opportunity to deliver information about orthodontic treatment to the public.

For NOHM 2017, the AAO is making available new tools to challenge common myths about orthodontic treatment. The “Debunking Orthodontic Myths” campaign addresses misconceptions about treatment that have reached some consumers, including the following:

Myth #1. Anyone who provides braces or clear aligners is an orthodontist.
Myth #2. Orthodontists are so expensive.
Myth #3. Office visits are not necessary to get straight teeth.
Myth #4. Orthodontic treatment takes years.
Myth #5. Orthodontic treatment is only cosmetic.
Myth #6. Orthodontists only offer braces.
Myth #7. Orthodontic treatment is just for kids.

Accurate information about these myths is taking center stage this month on AAO social media, on the AAO’s consumer website blog, and in a press release that has been distributed nationally. On AAO consumer social media pages, the myths are being posted via a series of seven infographics, each one linked to complete information.

Help the AAO Debunk Seven Myths about Orthodontic Treatment
AAO members are encouraged to help spread the NOHM information about orthodontics by sharing the AAO myth-debunking social media posts throughout the month on your practice social media pages. Learn more at:


In addition, visit the National Orthodontic Health Month page at aaoinfo.org to download the press release, which you may send to your local media outlets. You may also download a flier that can be distributed in your community.  (Log-in is required to access these and other NOHM materials because they are developed for the exclusive use of AAO members.)

National Orthodontic Health Month materials are developed and overseen by the AAO Council on Communications.

Oct. 10, 2017

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The 2017 AAO Annual Session Risk Management Program is available for purchase on DVD for a cost of $50.00 for active AAO members. Flash drives are available for $55.00.

To order the program, click the Store tab at the very top of this web page. Then, click on CD ROM/DVDs.

If you did not attend one of the risk management programs at the 2017 AAO Annual Session in San Diego, it is not too late to gain valuable knowledge about avoiding challenging patient situations.

Complete the accompanying exam and return it to AAOIC to earn a 10 percent premium discount on your 2017 AAOIC new or renewed policy. If you have not renewed your policy, the 10 percent discount will appear as a premium credit at the time that you renew your policy and the following year as well, for two years of premium discounts.
If your coverage has already started for the year, you will receive the 10 percent credit for the subsequent two years. 
Oct. 10, 2017

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An Orthodontic Staff Club member needs assessment was sent to all club members on September 27 and will remain open through October 13. All OSC members who complete the survey will be entered into a drawing for one of ten $100 Amazon gift cards.

Responses to the survey will be used to help the AAO develop programs and resources of interest to OSC members.

If you are a member of the Orthodontic Staff Club, but have not received the survey and would like to complete it, contact Brandon Hackworth at bhackworth@aaortho.org.
Oct. 10, 2017

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Insurance can be a confusing industry, especially for young adults who have little to no experience with it. For one, it’s full of jargon that the average person doesn’t understand. What’s more, the number of products on the market is enough to make your head spin.
Rather than taking the time to sort through its intricacies, it may be tempting to ignore insurance all together. Resist this temptation—whether you’re nearing the end of your orthodontic residency or you’re just starting your career, having the right types of insurance in place can set you up for long-term success.
So how do you know which types of coverage you need? That answer will differ depending on your unique situation; however, there are certain types of insurance that nearly every orthodontist should have in place soon after their career begins. To help, we have compiled the following list of must-have insurance coverage, all of which are available to AAO members through its endorsed insurance products.
Must-Have Insurance #1: Disability Insurance
Disability insurance protects your most important asset—your paycheck. If you’re too ill or injured to work, it provides you with supplementary income to help you pay for daily living expenses.
It may be tempting to believe that becoming disabled is too rare to justify coverage. But consider this: one in four 20-year-olds will suffer from a disability before they retire.1
If you’re concerned about cost, don’t be. AAO members under age 35 can receive $1,000 in monthly disability income insurance benefits for under $15 per month. That’s less than the cost of most gym memberships!
Must-Have Insurance #2: Life Insurance
Life insurance helps provide financial support to your loved ones if you die. If you’re married and/or have children, life insurance is a must. Without your income to depend on, your spouse and children may have a difficult time maintaining their quality of life.
But even before you marry and start a family, life insurance can be necessary. If you’re like most orthodontic graduates, you likely have (or will have) debts well into the six-figure range. If you have a cosigner on your loan, that person would be responsible for paying off the remainder of your debt if you die. Life insurance can help cover those debts so your loved ones don’t have to.
AAO members have two excellent options for life insurance products: term life and level term life. A group term life insurance policy can be very affordable early on; however, each year, your premium will increase—gradually at first, and then more rapidly as you get older. With group level term life insurance, your rates will remain level for the entire 10- or 20-year term of your policy. The best option for you will depend on your specific circumstances, but one fact remains true for each product: the younger you are, the cheaper your coverage will be.
Must-Have Insurance #3: Malpractice Insurance
Being sued for malpractice is a risk that every orthodontist faces—whether fresh out of school or an industry veteran. No matter how meticulous you are in your work, all it takes is one dissatisfied patient to file a claim.
To avoid hefty legal bills and a compromised reputation, malpractice insurance is a must. And as an AAO member, you may qualify for discounts of 75% or more2 available to recent graduates, or a 25% discount to first-time buyers.3
Completing Your Insurance Portfolio  
Disability insurance, life insurance, and malpractice insurance are critical coverages for every orthodontist, no matter what your personal circumstances may be. But depending on your situation, you may need to consider other products as well.
For example, if you own an orthodontic practice (or aspire to someday), you’ll require business insurance products like a business owners’ policy.
Facing the Facts
As a young professional, insurance might feel like something to be dealt with later. But unfortunate events happen no matter what your age. Enlisting the help of insurance products, like those offered through the AAO-Endorsed Insurance Program, will provide you with peace of mind that you, your loved ones, and your assets will be protected…no matter what.
This article is brought to you by the Pearl Insurance Company, AAO’s endorsed insurance administrator. For more information on AAO-endorsed insurance products, visit www.aaoi-insurance.com. For information about malpractice insurance coverage offered through the AAO Insurance Company (AAOIC), visit www.aaoic.com.
1"Facts from LIMRA: 2015 Disability Insurance Awareness Month." LIMRA. LIMRA, 2015. Web. 18 Oct. 2016.
2Provided this policy is purchased as your first coverage upon graduation. To receive an additional 10% off your premium, you must participate in the current risk management program.
3Cannot be combined with other offers.

Oct. 10, 2017

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Join your friends and colleagues for unforgettable 2018 Annual Session events. Tickets for events are available for purchase through the Annual Session registration website.

Opening Ceremonies, Saturday, May 5
Walter E. Washington Convention Center
Featured entertainer:  Emmy and Tony Award-winning actress and singer Kristin Chenoweth
Sponsored by Crest/Oral B

Kristin Chenoweth
Actress and singer Kristin Chenoweth’s prolific career spanning film, television, voiceover and stage has brought her numerous honors, including:
♦ Emmy Award, Best Supporting Actress in a Comedy Series, “Pushing Daisies” on ABC (Olive Snook);
♦ Tony Award ,“You’re A Good Man, Charlie Brown,” (Sally Brown); 
♦ Tony Award nomination, “Wicked” (original role, Glinda the Good Witch);
♦ Two Emmy Awards and a People’s Choice Award, “Glee” on Fox (April Rhodes).
A graduate of Oklahoma City University with a master’s degree in opera performance, Ms. Chenoweth last year released her first album of American songbook classics, “The Art of Elegance.” The album debuted at #1 on Billboard’s Current Jazz and Traditional Jazz charts, and #1 on Amazon’s Vocal Pop chart.

Excellence in Orthodontics Awards Ceremony, Sunday, May 6
Walter E. Washington Convention Center
Keynote speaker:  Head coach of the Duke University Men’s Basketball Team Mike Krzyzewski
Sponsored by Dentsply Sirona Orthodontics

Mike Krzyzewski
Mike Krzyzewski, aka “Coach K” is head coach of the Duke University Men’s Basketball Team and a COLE executive-in-residence at The Fuqua School of Business.  Coach Krzyzewski has led Duke to five NCAA Championships and 12 NCAA Final Four appearances in 38 seasons as head coach.  He led the U.S. National Men’s Basketball Team to gold medals at the 2008 Olympics in Beijing, the 2012 Olympic Games in London and the 2016 Olympic Games in Rio. Coach K partnered with Apple to launch PowerForward, a mobile video network designed to help corporations foster leadership and build teams. He is the author of Leading with the Heart (2001); Beyond Basketball - Coach K's Keywords to Success (2006); and The Gold Standard: Building a World-Class Team (2009).

AAO Celebration (formerly the AAO Gala), Monday, May 7
The Old Post Office Pavilion, completed in 1899 and owned by the U.S. Government (GSA), one of the most interesting examples of Richardsonian Romanesque architecture in the country.
Entertainment: To be determined
Sponsored by Invisalign iTero

Special Interest Social Events

The International Reception*, Saturday, May 5

National Museum of Women in the Arts
Sponsored by Rocky Mountain Orthodontics

* Open to all registered attendees who purchase tickets.

Fun Run and Walk, Sunday, May 6

(Location to be determined)
Sponsored by Speed System Orthodontics

AAO Orthodontic Residents Reception, Sunday, May 6
Lucky Strike
Sponsored by American Orthodontics
(Free by reservation to residents who are AAO student members. Required guest tickets are available for purchase.)

The complete events schedule will be available soon at the
2018 Annual Session information page.

Oct. 2, 2017

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