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Unless you work for an insurance company, you probably do not spend a lot of your time studying all the terminology that dental insurance companies use to describe the treatments and services they cover. If it seems pretty confusing, here are some of the most commonly used dental insurance terms and what they mean.

A Basic Glossary

Annual Maximum–The maximum amount your policy will pay per year for care at Dentistry for Children. It is often divided into costs per individual, and (if you are on a family plan) per family

Co-payment– An amount the patient pays at the time of service before receiving care, and before the insurance pays for any portion of the care

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

Deductible– A dollar amount that you must pay out of pocket each year before the insurance company will pay for any treatments or procedures

Diagnostic/Preventive Services– A category of treatments or procedures that most insurance will cover before the deductible which may include services like preventive appointments with Dr. Varble, Dr. Dill, Dr. Wong, and Dr. Parks, X-rays, and evaluations

In-Network and Out-of-Network– A list of providers that are part of an insurance company’s “network”

• If you visit in-network providers, the insurance company will typically cover a larger portion of the cost of the care you receive. If you visit someone who is not part of the network, known as an out-of-network provider, the insurance company may pay for a portion of the care, but you will pay a significantly larger share from your own pocket.

Lifetime Maximum– The maximum amount that an insurance plan will pay toward care for an individual or family (if you have an applicable family plan)

• This is not a per-year maximum, but rather a maximum that can be paid over the entire life of the patient.

Limitations/Exclusions– A list of all the procedures an insurance policy does not cover

• Coverage may limit the timing or frequency of a specific treatment or procedure (only covering a certain number within a calendar year), or may exclude some treatments entirely. Knowing the limitations and exclusions of a policy is very important.

Member/Insured/Covered Person/Beneficiary/Enrollee– Someone who is eligible to receive benefits under an insurance plan

Provider– Dr. Varble, Dr. Dill, Dr. Wong, and Dr. Parks 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; waiting periods may be waived if you were previously enrolled in another dental insurance plan with a different carrier

There are many different insurance options available, so you need to find out exactly what your insurance covers. It’s important to review your plan with a qualified insurance specialist. Don’t be afraid to ask questions about the policy so you can understand it fully and be confident that you know everything your policy covers the next time you come in for treatment at our Creve Coeur or St. Charles office.

September is National Childhood Injury Prevention Month, and Dr. Varble, Dr. Dill, Dr. Wong, and Dr. Parks and our team at Dentistry for Children are excited to share some tips to keep your child safe. Childhood is a time when dental injuries are common. Even a simple fall on the playground at recess can lead to a lost or broken tooth. What can you do as a parent to protect your child’s teeth in addition to his or her head and bones? These tips will help you prevent mouth and dental injuries to your kids.

First, use common sense when your children play sports. An estimated 13 to 39 percent of oral-facial injuries occur when children are playing sports. Make sure your child wears a face guard, mouthguard, and helmet as appropriate. Contact sports, such as football, require this gear, so insist that it gets worn.

Next, teach your children not to walk or run with things in their mouths. This is particularly difficult for toddlers and preschoolers, who love to explore the world orally. Insist that items are removed from the mouth whenever the child is in motion, and try to redirect the child to softer items for oral stimulation.

For small children, be careful when you put a spoon or fork in the mouth. While this won’t damage teeth, it can damage the delicate skin between the lips and gums or under the tongue. Allow your child to direct his or her own feeding; never shove a spoon in your child’s mouth if he or she is not interested, to avoid this type of injury.

Finally, make sure your children are seen regularly by Dr. Varble, Dr. Dill, Dr. Wong, and Dr. Parks. Regular dental checkups will keep the teeth clean, strong, and healthy, and limit the risk of injuries.

If your child is injured in spite of your best efforts, contact our Creve Coeur or St. Charles office right away. Quick action may be able to save a missing tooth, and a quick response on your part will limit the long-term effects of the injury.

Labor Day is upon us, and that means the non-official end to summer. Before the kids head back to school and temperatures start to cool down, this is your last chance to barbeque in the beautiful Creve Coeur or St. Charles community, head to the lake, and wear your favorite pair of white pants.

About Labor Day

Each year, Labor Day is celebrated on the first Monday of September. It is the one day of year Americans celebrate their achievements in work, which the US Department of Labor says has contributed to prosperity and well-being of America as a whole. Americans have been celebrating Labor Day since the 1880s, and today it is an official federal holiday.

Interesting Facts About Labor Day

• Every year, more than 30 million Americans travel over Labor Day weekend.
• Canada was the first to celebrate Labor Day, and the US soon followed.
• President Cleveland made Labor Day and official US holiday in 1894.
• Labor Day marks the beginning of the NFL and NCAA sports seasons for fans.
• Labor Day marks the end of hot dog season, when Americans consume seven billion hot dogs.

Thanks for being a valued patient of our Pediatric Dentistry office. Our staff would like to wish you a safe and happy Labor Day weekend. Enjoy your time off!

The primary teeth are the initial teeth that erupt from a child’s gums in the first few years of childhood. There are a total of 20 primary teeth, most of which will have appeared no later than age three. Because they are only temporary, some parents believe they are less important than the permanent teeth that will emerge around age five or six. However, primary teeth hold a special significance and are important for a child’s long-term oral health.

Function and importance of baby teeth

Baby teeth have several basic functions. Decay can interfere with these functions, and potentially lead to life-long complications. For example, severe tooth decay that causes tooth loss during childhood, perhaps due to sleeping with a bottle at night, can obstruct a child’s speech development. It can also hinder his or her ability to sufficiently chew food.

The primary teeth also serve as place-holders for the permanent teeth. When a primary tooth falls out or must be removed before its time, surrounding teeth may shift into the space the tooth once held. This can cause orthodontic complications once the permanent teeth begin to erupt, which can lead to serious tooth alignment problems and call for extensive orthodontic treatment.

Caring for baby teeth

Dr. Varble, Dr. Dill, Dr. Wong, and Dr. Parks and our team at Dentistry for Children will tell you it is never too early to begin caring for your child’s teeth. Baby teeth require the same care and attention that permanent teeth do. The American Dental Association recommends that children see a dentist as soon as the teeth begin to erupt from the gums. Early childhood dental visits usually include examinations, cleanings, fluoride treatments, and hygiene education for parents. It is also important to adopt an oral care routine at home that includes daily brushing, flossing, and dietary modifications that support a lifetime of good oral health.

To learn more about baby teeh, or to schedule an appointment with Dr. Varble, Dr. Dill, Dr. Wong, and Dr. Parks for your little one, please give us a call at our convenient Creve Coeur or St. Charles office!