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Navigating the World of Dental Insurance Terminology

April 28th, 2014

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 Gentle Dental Associates. 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. Tijen Lacin, Dr. Yan Wang, Dr. Debby Hwang, Dr. Alessandra Dagostin, Dr. Ronald Lechner, Dr. Young Kim, and Dr. Neha Kuthiala, 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. Tijen Lacin, Dr. Yan Wang, Dr. Debby Hwang, Dr. Alessandra Dagostin, Dr. Ronald Lechner, Dr. Young Kim, and Dr. Neha Kuthiala 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 Ann Arbor, MI office.

Implants: Why it's important to replace missing teeth

April 21st, 2014

The average adult has 32 teeth, a combination of molars, canines, and incisors. By middle age, however, most adults are missing at least one tooth due to an injury, decay, or gum disease. Though many people choose to forgo tooth replacement, Dr. Tijen Lacin, Dr. Yan Wang, Dr. Debby Hwang, Dr. Alessandra Dagostin, Dr. Ronald Lechner, Dr. Young Kim, and Dr. Neha Kuthiala and our team at Gentle Dental Associates will tell you that every tooth is important. Each plays a vital role in the structure of the mouth and in relationship to the remaining teeth. Leaving the space where a tooth once stood can have serious consequences. There are many reasons why severely decayed or missing teeth should be replaced as quickly as possible.

  • Speech: A missing tooth can negatively affect the way you speak, depending on its location.
  • Bite changes: The loss of one or more teeth can cause the redistribution of bite pressure onto other teeth. Over time, this can cause the teeth to shift and move into the space the tooth once held.
  • Gum disease: Shifting teeth can make it easier for plaque to accumulate in hard-to-reach places. This can increase the risk of gum disease, which can lead to additional tooth loss.
  • Bone loss: The teeth are place-holders in the jaw. When one falls out and is not replaced, the bone that once surrounded it begins to deteriorate and wear down.
  • Aesthetics: A missing tooth leaves a visible gap between the teeth and can be a source of embarrassment and insecurity.

Advancements in modern dentistry have made it easy to replace missing teeth using natural-looking and functioning prosthetics. Dental implants are permanent solutions for replacing missing teeth with the use of special rods that are anchored in the jaw bone. These implants serve as artificial tooth roots that fuse with the jaw over time. When cared for properly, most dental implants can be fitted to last a lifetime.

To learn more about dental implants, or to schedule an appointment with Dr. Tijen Lacin, Dr. Yan Wang, Dr. Debby Hwang, Dr. Alessandra Dagostin, Dr. Ronald Lechner, Dr. Young Kim, and Dr. Neha Kuthiala, please give us a call at our convenient Ann Arbor, MI office!

Every Day is Earth Day

April 14th, 2014

During the early days of the environmental awareness movement, those who demonstrated against pollution, toxic chemicals, and the general public health were known as hippies. The early 1970s were a time of change, and assertions that we needed to pay more attention to the Earth's atmosphere were generally dismissed. But within a couple decades, it had become clear that the previous generation was right; the citizens of the world needed to become more environmentally conscious.

Many people feel that they can't make a difference if they don't do something big. But caring for the environment doesn't have to be an all-or-nothing concept. In fact, the little things you do can add up to make a great impact, especially in our community. Here are a few ways you can help the environment on Earth Day, April 22nd and all year around.

Four Small Ways to be Environmentally Friendly

  • Recycle Your Textiles. Nearly 21 million tons of textiles are added to American landfills each year, according to the Environmental Protection Agency. Donating your unwanted clothing to a secondhand store or an organization that repurposes fabric helps cut down on solid waste and conserves natural resources.
  • Reduce Usage of Disposables. Plastic bottles and bags, disposable diapers and other things we can use and toss out are convenient, but they're not necessary. Simply choosing to replace one of type of disposable with a reusable product can help you cut down on waste that has a large negative impact on our environment.
  • Conserve Water. If everyone in the United States turned off the water while brushing their teeth, more than 1.5 million gallons of water could be conserved. Turn the water on long enough to wet your toothbrush for brushing and rinsing, and then immediately turn the water off again.
  • Turn Off the Lights. Flip the light switch to "Off" if you're going to leave a particular room for 15 minutes or more. This will conserve energy on incandescent light bulbs and cut down on cooling costs.

It's not necessary to be an activist or install solar panels all over your home to help the environment. Although you can do these things, the little everyday measures make a big difference in helping to conserve energy and the environment, while reducing your carbon footprint. Our team at Gentle Dental Associates wants to remind you to celebrate Earth Day and help the environment, knowing that it will benefit your and your children's generation.

What are the benefits of Invisalign®?

April 7th, 2014

A popular option for straightening teeth at Gentle Dental Associates, Invisalign can be a great method for improving your smile, and can help patients with crowded teeth, crossbites, overbites, underbites, and more.

Invisalign, which is different from traditional braces, works by applying a series of clear, retainer-like aligners in order to eventually move your teeth into their ideal positions. Patients typically swap aligners approximately every couple of weeks.

At Gentle Dental Associates, we have lots of experience using this technology to give our patients the beautiful and healthy smile they’ve always wanted. During your initial visit at our Ann Arbor, MI office, the first thing we do is take an impression of your teeth as they are now and digitize it. Using special software, we look at the current positioning of your teeth and compare it to the way your teeth should look.

Not only are the aligners invisible, they are also removable, so you can eat and drink what you want, and brushing and flossing are easier. Invisalign’s aligners are also comfortable, with no metal to cause mouth abrasions during your treatment. And, no metal and wires usually means you spend less time at our office getting adjustments. With Invisalign, you can view your own virtual treatment plan when you start, so you can see how your straight teeth will look when your treatment is complete!

Depending on the severity of the problem, Invisalign treatment may take anywhere from three to 18 months to complete. You should be aware that Invisalign is not as effective as traditional braces in treating bite problems, teeth that are lower or higher than others, or severely overcrowded teeth. Both teens and adults are now great candidates for Invisalign, so we invite you to contact our Ann Arbor, MI office to set up an initial consultation and learn more on how Invisalign can give you the smile you’ve always wanted!

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