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Understanding Dental Insurance Terminology

July 11th, 2018

If you have a hard time understanding your dental insurance plan, particularly the treatments and services it covers, you’re not alone. That’s why Dr. Janna Spahr, Dr. Jeff Spahr, and Dr. Alyssa Cattle and our team have put together a cheat sheet to help you through them.

It’s common for patients to get lost in the morass of the terms and phrases that surface when you’re dealing with a dental insurance plan. Knowing the commonly used terms can help speed up the process and enable you to get the most out of your coverage.

Common Terms

Annual Maximum: The most your policy will pay per year for care at Milford Dental Clinic. It is often divided into cost per individual or per family.

Co-payment: Typically, a small amount the patient has to pay at the time of service before receiving care, and before the insurance pays for any portion of it.

Covered Services: A list of all the treatments, services, and procedures the insurance policy will cover fully under your contract.

Deductible: An amount you must pay out of pocket each year before the insurance company will contribute for any treatments or procedures. The amount can vary according to your plan.

Diagnostic Services: A category of treatments or procedures that most insurance plans will cover before the deductible, which may mean services that occur during preventive appointments with Dr. Janna Spahr, Dr. Jeff Spahr, and Dr. Alyssa Cattle, including X-rays or general screenings.

Exclusions: Dental services not covered under a dental benefit program.

In-Network: An insurance company will usually cover a larger portion of the cost of the care if you see an in-network provider for treatment.

Out-of-Network: If you visit someone who is not a part of your provider’s network, the insurance company may pay for a portion of the care, but you will be responsible for a significantly larger share out of your pocket.

Lifetime Maximum: The most that an insurance plan will pay toward care for an individual or family over the entire life of the patient(s).

Limitations: A list of all the procedures the insurance policy does not cover. Coverage may limit the timing or frequency of a specific treatment or procedure, or exclude some treatments altogether.

Member/Insured/Covered Person/Beneficiary/Enrollee:  A person who is eligible to receive benefits under an insurance plan.

Premium: The regular fee charged by third-party insurers and used to fund the dental plan.

Provider: Dr. Janna Spahr, Dr. Jeff Spahr, and Dr. Alyssa Cattle or other oral-health specialist who provides treatment.

Waiting Period: A specified amount of time that the patient must be enrolled with an insurance plan before it will pay for certain treatments.

It’s essential to understand the various insurance options available to you. Knowing what your insurance covers can save you major costs in the future.

Dr. Janna Spahr, Dr. Jeff Spahr, and Dr. Alyssa Cattle and our dental staff hope this list of terms will help you understand your dental insurance plan better. Be sure to review your plan and ask any questions you may have about your policy the next time you visit our Milford, NE office.

Tell us about your summer!

July 4th, 2018

The dog days of summer are upon us, and what better time for Dr. Janna Spahr, Dr. Jeff Spahr, and Dr. Alyssa Cattle and our team to ask our patients about their summer!

Whether you visited our nation’s capital, went on a camping trip, or just stayed in Milford, NE and relaxed, we want to know how you’re all spending your summer! Please feel free to share your summer plans and experiences with us below or on our Facebook page as summer rolls on!

What are mini implants used for?

June 27th, 2018

The use of mini dental implants (MDIs) is on the rise. MDIs are about the diameter of a toothpick (1.8 to 2.9 millimeters with lengths between ten to 18 millimeters) and are primarily used to secure loose upper or lower dentures or partial dentures.

MDIs are particularly useful for patients who suffer from osteoporosis or otherwise aren't well enough to get the bone grafts sometimes required by traditional dental implants. Their diminutive size also allows them to replace smaller teeth where the placement of a dental implant isn't feasible or called for.

Some of the benefits of MDIs include:

  • The procedure is quicker and less invasive – Since MDIs don’t require the cutting of gum tissue or sutures, Dr. Janna Spahr, Dr. Jeff Spahr, and Dr. Alyssa Cattle can place the implant quickly, resulting in a shorter healing process. MDIs go directly through the gum tissue and into the jawbone.
  • Lower cost – MDIs run in the range of $500 to $1500, whereas traditional dental implants can cost around $4,000.
  • Less risk of surgical error – Since MDIs don't go as deep into the tissue or jawbone, there is less risk of surgical error, like hitting a nerve or sinus cavity.
  • Can be used in thinner areas of the jawbone – Since MDIs don't require as much gum tissue or jawbone, they can be used in thinner areas of the jawbone, where a traditional dental implant would require a bone graft.

Although there are many advantages to MDIs, they aren't for everyone or every situation. There are some drawbacks, especially when it comes to their durability and stability. MDIs also haven't been studied nearly as much as dental implants.

Whatever your situation, it's best to speak with Dr. Janna Spahr, Dr. Jeff Spahr, and Dr. Alyssa Cattle about your options, and whether an MDI or a dental implant would work best for your specific case. Schedule an appointment at our Milford, NE office to learn more.

Three Valuable Dental Treatments

June 20th, 2018

In our office, we customize treatment for every patient. Amid all of the fillings, crowns, and veneers, we find there are three treatments that are most valuable when offering our patients options: dental implants, bite guards, and teeth whitening.

Dental implants are a great tool for those who have lost teeth from trauma, genetic predetermination, decay, or fracture. Technology and design have allowed these implants to look and function like a natural tooth. They are a great investment when maintaining bone structure and smile presentation.

In our fast-paced lives, people take their stress and tension out on their teeth. Clenching and grinding, or bruxism, is on the rise. This is traumatic to crowns, fillings, and natural teeth. Headaches are a symptom of bruxism and when not treated, jaw joint inflammation and pain are a result. Bite guards are often worn at night when most of the action occurs. Many are not even aware of this habit until presented with evidence of cracked teeth, broken crowns, and pain.

Last, but most definitely not least, is whitening. Tooth whitening is safe and effective. There are different types of tooth whitening: in-office, custom trays, and over-the-counter strips. Each is effective, though at different levels. First, and your best option, is done in the office. The gums are protected and a gel with high potency is applied to the teeth. Some methods have a light shining on teeth and some have timed intervals without the light. Next are custom trays, which require an impression of your bite. Trays are picked up at a later date. At that point, instructions are given and the gel and trays are delivered. A final option is whitening strips, which can be found in many local stores. They are effective, though the whitening process is slower and some areas may not whiten.

Each treatment has risks and rewards that should always be considered prior to any treatment. Implants must be well cared for. Bite guards must be an accurate fit and worn regularly. Comfort is most important. Whitening causes temporary sensitivity and some people’s teeth whiten better than others.

Consider what your needs are, and then customize your wants to fit into the equation. A little stability from implants, protection from a bite guard, and a brilliant smile may be just what the doctor ordered. And if you have any questions, don’t hesitate to call our office, Milford Dental Clinic.