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Understanding Dental Insurance Terminology

January 16th, 2019

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 Drs. Love and Miller 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 Falls Church Family Dentistry. 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 Drs. Love and Miller, 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: Drs. Love and Miller 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.

Drs. Love and Miller 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 Falls Church office.

Five Common Reasons for Emergency Care Visits

January 9th, 2019

A dental emergency can strike anywhere, anytime, and without warning. Perhaps you’re playing a game of touch football on Thanksgiving and your brother-in-law decides to up the ante and tackles you, accidentally knocking out your two front teeth. Or maybe you’re on vacation somewhere in the tropics and decide to go deep-sea fishing, but when you’re climbing onto the boat you slip on the dock, fall, and chip three of your teeth. From misplaced fly balls to bagel seeds causing a painful bout of inflammation, there are all kinds of dental emergencies.

Here are the five most common reasons for emergency care visits.

  1. Somehow you've managed to knock out a tooth. Whether it's the result of a sports injury or because of decay, when you lose a tooth, you need emergency dental care. If the tooth is salvageable, then it can be reattached to the socket, but this needs to be done within a one- or two-hour window.
  2. A chipped tooth is the most common dental emergency. Small chips can be caused by food (chicken bones and nuts have sent many people to the dentist); however, it's usually some sort of accident or injury that more often causes a chip. While you might be embarrassed to walk around with a gaping chip in your front tooth, it is easily fixed with a bond, crown, or veneer.
  3. A broken tooth is more severe than a chipped tooth. When a tooth breaks, it might be due to a small or hidden chip. However, chances are the pain and discomfort will be more severe.
  4. It might seem comical, but getting a piece of food lodged in the wrong place can result in a dental emergency. If something gets stuck deep in a crevice, it can cause pain and inflammation.
  5. The loss of a filling happens more often than you think. When you lose a filling, you need to receive emergency care immediately. If you don’t, you risk further damage to your tooth.

When you injure your teeth or mouth, you need to seek emergency care as soon as possible. In the event of a suspected emergency, don't wait. Contact Drs. Love and Miller immediately.

Tooth Protection and Winter Sports

January 2nd, 2019

Just because it’s cold out there doesn’t mean you’ll give up keeping fit and active! Winter is the season for some of our favorite team sporting activities, and when you’re donning your protective gear, don’t forget to protect your teeth as well.

  • Basketball

This sport actually tallies one of the highest counts of dental injuries. Running, jumping, and diving for the ball on an unforgiving court can lead to tooth and jaw injuries.  And for every ten men on the floor, it seems like there at least 50 flailing elbows in the paint.

  • Hockey

Notorious for the toll it takes on teeth, hockey is a game of sticks, ice, and whizzing pucks. And when your sport’s penalties include the terms hooking, slashing, and tripping, the more protection, the better.

  • Skiing

When you are flying down the slopes, combining powdery snow and speed, mouth protection is a good idea. This also applies to snowboarding and other snow sports.

  • Wrestling

Grappling and pinning in close quarters can lead to unintended injuries after accidental contact with the mat or your opponent.

Different uniforms, different equipment, and different playing fields, but all these sports have one thing in common—the easiest way to protect your teeth while playing them is with a mouth guard.

Mouthguards generally come in three forms:

  • Over the counter, ready-made appliances. These are available in drugstores and sporting goods stores, but might not be a comfortable fit as they are pre-formed sizes.
  • The “boil-and-bite” option is a mouthguard form placed in hot water. You then bite down to shape it to your mouth and teeth.
  • Custom mouthguards can be fabricated just for you through our Falls Church office. These appliances are designed to fit your individual mouth and teeth, so provide a better fit and better protection. They are also usually more durable and more comfortable. If you wear braces, you definitely need a custom mouthguard to prevent an injury to your mouth or braces caused by an ill-fitting appliance.

Whether you play on a team or pursue individual athletic activities, keeping safe as you keep fit is your first priority. We would be happy to discuss your mouthguard options for any sport, any time of year.

New Year's Eve

December 26th, 2018

Watching the clock tick down the final seconds until midnight, many of us- Falls Church Family Dentistry included- feel nostalgic about the passing year and hopeful about the new one to come. New Year’s Eve is one of the most widely celebrated holidays in the world, with over-the-top celebrations taking place in dozens of countries. The Gregorian calendar, which is widely used in Western nations and around the world, was implemented in 1582. Since that time, December 31st has marked the final day of the year, with midnight heralding the beginning of a brand new year. In the United States, New Year’s Day is a public holiday; government offices, schools, public organizations, and many businesses are closed for the day. Ponder the following fun facts as you think about your plans for the holiday:

  • Approximately one billion people watch the New Year’s Eve ball drop in Times Square, New York City. This televised event is one of the most iconic New Year’s celebrations in the world. For many years, watching the ball drop meant tuning in to Dick Clark’s Rockin’ New Year’s Eve, an iconic television special dear to the hearts of many viewers.
  • The idea for the New Year’s Eve ball came about because of a citywide ban on fireworks. Before 1907, when fireworks became illegal in New York City, celebrations included an elaborate fireworks show. The large, glittering, illuminated ball was developed as an alternative. Although the first ball was heavy at 700 pounds, the modern New Year’s Eve ball is made of Waterford crystal and tips the scale at six tons!
  • The top five New Year’s resolutions are: to lose weight, quit smoking, get a new job, return to school, or increase personal savings. However, approximately 88% of New Year’s resolutions fail. But don’t let that discourage you! Resolutions are most likely to succeed when they are clear, achievable goals. Setting out a concrete plan to achieve your resolution also boosts your chances of success.
  • Eating black-eyed peas on New Year’s Day is said to bring good fortune in the new year. Collard greens, cabbage, and ham hocks are also considered lucky foods to enjoy. Just steer clear of the chicken or turkey dinners; eating poultry is a bad omen for the year to come.

Whether you plan to stay in Falls Church, or head out into the crowds to watch the ball drop in Times Square, New Year’s Eve is a time to enjoy friends and family. Send your loved ones well wishes for the New Year, and look for that special someone to share a midnight kiss with for good luck!