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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. Cynthia Stephenson 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 Cynthia Stephenson, DDS. 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. Cynthia Stephenson, 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. Cynthia Stephenson 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. Cynthia Stephenson 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 Walnut Creek, California office.

There are some things we just don’t miss about being a kid. Getting grounded? A thing of the past. Curfew? Not happening. Confiscating our cell phones? As if. Cavities? While we’d like to think those are also a part of childhood we can happily leave behind, unfortunately, the potential for cavities is one thing we never outgrow.

If you are keeping up a healthy dental routine, you know that two minutes careful brushing and flossing twice a day, a sensible diet, and regular checkups and cleanings are the best way to keep cavities from ever developing. But adults face other challenges that children might not. What else should we look out for?

• Over-Enthusiastic Brushing

Brushing too vigorously, or using a brush with hard or even medium bristles, can actually damage our teeth over the years. Enamel, as hard as it is, can erode, leading to the potential for decay, and gums can be pushed away from the lower part of our teeth, which are not covered by enamel. Talk to us about the gentle way to clean bacteria and plaque from your teeth while protecting your enamel and gums.

• Receding Gums

Whether due to gum disease, improper brushing, genetic factors, or other causes, we often see gum recession as we age. This is not just an aesthetic problem—gum recession leaves the root area of our tooth exposed to plaque and bacteria. Because this part of our tooth is not protected by enamel, there is a greater risk for decay in this newly exposed area. Also, pockets between the teeth and gums can be home to infections which lead to more serious problems. We will examine the condition of your gums at every checkup, and are happy to suggest the best solutions for keeping your gums their healthiest.

• Our Fillings Age, Too

Over time, fillings can become loose or damaged, allowing the bacteria that cause cavities to enter spaces within the tooth you cannot brush or floss. This is a problem we can catch at a regular checkup, but if you notice a damaged filling, lose a filling, feel sensitivity around a filled tooth, or have any other concerns, call us. Prompt replacement will stop decay before it leads to a more serious problem.

• Life Is Unpredictable

A busy schedule can lead to unhealthy diet choices. Not just sugars, but acidic foods (like sodas, coffee, and wine) and carbs (which break down into sugars) can leave teeth more vulnerable to decay. Physical changes (working out, new medications and medical conditions) can lead to dry mouth, which creates a bacteria-friendly environment that can lead to tooth decay. Stress can have consequences such as weakened immune systems, tooth grinding, and unhealthy eating habits, all of which can lead to a higher risk of cavities.

Call our Walnut Creek, California office if you have any dental concerns. And talk to Dr. Cynthia Stephenson about the changes in your life that might leave you more vulnerable to cavities or impact your overall dental health. We have suggestions and solutions for this phase of your life to protect and preserve that wonderful smile you had as a child. And that’s a great result at any age!

Dr. Cynthia Stephenson and our team at Cynthia Stephenson, DDS will tell you that dental infections can be very serious; sometimes, they develop into a life-threatening situation. Cavities are caused by acid-generating microorganisms that deposit themselves on teeth surfaces. Over time, acid erodes tooth enamel, compromising tooth strength. The major culprit or cause of cavities is sweets, but even diet soda plays a substantial role in tooth erosion, largely because the phosphoric acid it contains alters the oral pH. Cavities can pave the way for other, more serious infections to develop.

Types of infections

Pulpitis

Pulpitis is an inflammation of the tooth pulp. It typically occurs when cavities get deep enough to allow infection to reach the pulp. When this happens, bacteria travel through the pit or fissure that the cavity created. It can also develop from a fractured tooth. The symptoms may include moderate pain that comes and goes. Pain may intensify when cold liquids touch the pulp.

Periodontitis

Periodontitis is a consequence of chronic gingivitis, which occurs when the supportive bone structure of the tooth erodes, causing the periodontal tooth ligament to detach from the tooth. Kids between the ages of 12 and 17 and adults over age 30 are most likely to develop this disease. In severe cases of periodontitis, a periodontal abscess may form. Symptoms of the infection typically include redness, sensitivity to touch, and swelling.

Pericoronitis

Pericoronitis is an infection that occurs when food particles and other microorganisms get trapped under gum flaps. It typically happens when impacted wisdom teeth erupt. Pain at the site of the infection is a common symptom. You should try to prevent food particles from lodging in the gingivitis flaps.

Dental abscesses

A dental abscess is one of the most serious dental infections anyone can get. It begins at the base of the tooth, but without treatment can spread rapidly. When the abscess is more severe, the bacteria spread, often very rapidly, and cause severe facial swelling, pain, and discomfort.

The best way to minimize the risk of developing a dental infection is by practicing good oral hygiene, making sure that food or other particles aren’t trapped between the teeth for too long, flossing, using oral rinses that bear the ADA seal of approval, and seeing the dentist regularly. If or when there are any symptoms of infection, even if the only symptom is pain, be sure to visit the dentist. Early intervention may prevent the infection from escalating into something far more severe, painful, and costly to treat.

To learn more about dental infections, or to schedule an appointment with Dr. Cynthia Stephenson, please give us a call at our convenient Walnut Creek, California office!

Rumor has it that the Queen of England doesn’t allow garlic in the palace. And, even if you have no royal duties in the near future, it might be a good idea to avoid foods like garlic and onion before a big presentation or a first date. But if your diet is filled with mint, fresh apples, and parsley and you still worry about your breath, here are some common causes for bad breath that you might not have considered.

• A Slip of the Tongue

We brush and floss to remove food particles and bacteria. After all, bacteria that linger in the mouth produce acids that damage tooth enamel and cause bad breath. But there is one important brushing target you might be overlooking—your tongue.

Remove food particles and bacteria on the surface of the tongue with a gentle brushing after you have finished cleaning your teeth. With a dab of toothpaste, brush the top of your tongue gently from back to front. There are also tools called tongue scrapers available that are specifically designed to remove food particles and bacteria from the tongue’s surface. However you choose to clean your tongue, remember to move from the back to the front, and always clean gently.

• A Dry Spell

We spend the vast majority of our day not brushing our teeth. What helps keep breath fresh even during the hours between brushings? Saliva! As saliva bathes the teeth throughout the day, it not only washes away food particles and bacteria, but also neutralizes the enamel-damaging acids that are produced by bacteria. Yet another benefit? Saliva is not a friendly environment for the oral bacteria that produce volatile sulfur compounds (VSCs). It is these compounds that cause most of the unpleasant odors we know as bad breath.

If you are drinking the recommended amount of water each day, you are helping your body produce saliva and fight bad breath. Sometimes, a medical condition called dry mouth, or xerostomia, interferes with saliva production. Talk to Dr. Cynthia Stephenson about ways to deal with dry mouth. Solutions as simple as drinking more fluids or chewing sugarless gum can help, or we can suggest over-the-counter products or prescription medications if needed.

• A Bad Night’s Sleep

We’re all familiar with the concept of morning breath. As we sleep, our saliva production naturally decreases. It’s like a nightly version of dry mouth. Without normal levels of saliva, bacterial growth takes off, VSC’s are produced in greater quantities, and we wake up wondering what on earth happened to that fresh feeling we had after brushing the night before.

Unfortunately for snorers, nighttime brings more problems. Snoring leads to mouth breathing, and mouth breathing creates an even drier environment where oral bacteria increase more quickly. If you find you are consistently waking up with an especially unpleasant case of morning breath, you could be a chronic snorer without even realizing it. If you discover or suspect you have a snoring problem, talk to Dr. Cynthia Stephenson or your GP. Snoring can have serious health consequences, so let’s discuss possible solutions.

One important note to end on: if you have eliminated all the obvious causes of halitosis but still have persistent bad breath, give our Walnut Creek, California office a call. Chronic bad breath can be a symptom of serious gum disease, oral infections, illnesses such as diabetes or kidney disease, and other medical conditions that should be treated as soon as possible. If the topic is bad breath, let’s make sure garlic is the only thing you have to worry about.