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. Sardzinski, Dr. Wilken, Dr. Stanley, Dr. Hanson and Dr. Heying 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 Blair Ridge Dental. 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. Sardzinski, Dr. Wilken, Dr. Stanley, Dr. Hanson and Dr. Heying, 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. Sardzinski, Dr. Wilken, Dr. Stanley, Dr. Hanson and Dr. Heying 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. Sardzinski, Dr. Wilken, Dr. Stanley, Dr. Hanson and Dr. Heying 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 Hiawatha, IA office.

The dog days of summer are upon us, and what better time for Dr. Sardzinski, Dr. Wilken, Dr. Stanley, Dr. Hanson and Dr. Heying 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 Hiawatha, IA 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!

Experiencing tooth or oral pain is not fun. If you cannot get to Blair Ridge Dental right away, the pain may even seem to increase. The old saying that a tooth will stop hurting once you get to a dentist is not that far from true. However, there are many tips you can try to relieve your oral pain until you can see Dr. Sardzinski, Dr. Wilken, Dr. Stanley, Dr. Hanson and Dr. Heying.

Common Pain Relief Options

First, try to determine the source of the pain. This is sometimes not possible, but it may help. If you are experiencing pain between your teeth or along the gum line, try swishing some warm salt water in your mouth. One teaspoon of salt in eight ounces of warm (not hot) water is all you need.

The pain you are experiencing could be a particle of food stuck under your gum. You can also try flossing as long as bleeding is not present. Salt water soothes other mouth irritations to reduce pain.

You can try over-the-counter pain relievers, including oral medications or topical gels. Avoid taking aspirin; it thins your blood, which could end up being a problem for dental work. Wash your hands before applying any topical pain treatments to avoid spreading germs.

Clove Oil

Clove oil works quickly to relieve most oral pain. Place a few drops of clove oil on a damp cotton ball and place the cotton in your mouth near the painful area. Do not use this method overnight, because you don’t want to swallow the cotton.

Whole cloves can also be used, but try to remove any sharp edges first. Place a few pieces in your mouth and allow your saliva to soften the clove. Some sources say that chewing the clove helps, but you shouldn’t do this if you have a fractured tooth.

Other Household Remedies

If you have cough drops that include benzocaine or menthol, you can try sucking on a cough drop for relief. Placing a warm, wet tea bag against a painful oral area can sometimes reduce the pain as well.

Toothpastes designed to relieve pain from sensitive teeth may work. While these pastes do take time to reach full effectiveness, they can be helpful if you have to wait several days.

Remember that these tips are only designed to provide temporary pain relief. You need to schedule an appointment at Blair Ridge Dental quickly. Call and schedule an emergency appointment with Dr. Sardzinski, Dr. Wilken, Dr. Stanley, Dr. Hanson and Dr. Heying as soon as possible.

Over the past decade, most people have been ingesting less and less fluoride. This is not such a great trend, since fluoride has a history of successfully reducing tooth decay and promoting good dental health. Most of us drink bottled water now, so many children and adults are not getting the optimum amount of fluoride they need. Of course, dental needs vary, depending on such factors as age, tooth sensitivity, medical conditions, and risk for cavities, but there are several ways to make sure you get the proper amount of fluoride.

Fluoride can be applied in the form of foam, varnish, or mouthwash. For children, topical fluoride can be useful in the early stages of development to ensure the future strength of enamel. For people who have a dry mouth as the result of medication to treat anxiety, diabetes, high blood pressure, depression, or high cholesterol, a daily fluoride rinse is recommended, as well as a varnish treatment. 

If you’ve received or are receiving any form of cancer treatment, that could be affecting your dental health. If such is the case, fluoride varnish treatments are recommended prior to, during, and after chemotherapy. Getting an oral infection during cancer treatment can be especially harmful, so it’s worthwhile to do as much as you can to prevent that.

If you suspect you might be in need of a fluoride treatment or have any questions about the treatments Blair Ridge Dental offers, please feel free to give our Hiawatha, IA office a call!