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Understanding Dental Insurance Terminology

May 17th, 2017

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. Mark Olson 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 Chippewa Valley Dental Health. 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. Mark Olson, 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. Mark Olson 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. Mark Olson 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 Eau Claire, WI office.

Should You Get Dental Veneers?

May 10th, 2017

Dental veneers are a popular treatment to improve the appearance of your smile. Dr. Mark Olson and our team want to help you understand whether this dental option is right for you.

Veneers, also known as laminates, are custom-made shells that cover the front of your teeth. They can change the color, size, or length of each individual tooth. The process can require between one and three trips to our Eau Claire, WI office to complete.

This treatment is usually done for people who want to change the appearance of their smile: they can get rid of stains, gaps, or chips. Here at Chippewa Valley Dental Health, we know how getting veneers can dramatically change your smile and help improve your confidence.

Your initial appointment entails preparing the teeth and creating an impression. The impression will help us design each veneer to the exact shape and color you desire. You’ll come back in a week or two to have the veneers placed. Your veneers should last about ten years, as long as you practice proper care and hygiene.

There are plenty of benefits to getting veneers, but you should be aware of the potential downsides of this procedure. This process is irreversible and the veneers cannot usually be fixed. If they chip or crack, they’ll need to be replaced.

It is also possible for veneers to fall off due to excessive pressure from nail biting or chewing on ice. If you grind your teeth a lot, you’re more likely to expose your veneers to damage, which can be costly to repair.

In order to know whether veneers are right for you, schedule an appointment at our Eau Claire, WI office for a consultation. We can decide what you’re looking to do with your smile and if this is the best option for you.

Summer is Almost Here: Tips for a bright, white smile!

May 3rd, 2017

Summer is almost here, which means a season full of vacations, adventures and great memories is just around the corner for our patients at Chippewa Valley Dental Health.

Everyone wants a glowing and radiant white smile when the sun comes around and we have a few reminders to keep your pearly whites healthy and beautiful over the summer! Try to stay away from drinks that will stain your teeth like coffee, soft drinks, or dark colored juices. Not only will drinks like this weaken your enamel but they will also darken that fabulous smile you're working on! Another tip is to try and focus on brushing your teeth; everyone knows that when busy schedules start picking up, getting a good brushing session in tends to take the backseat! A good tip for keeping your mouth safe from staining and other possible pitfalls is to rinse your mouth with water after any meal you can’t fully brush your teeth after. Your teeth, inside and out, will benefit!

And remember, whether you are headed to a barbecue, a camping trip, or just having fun in the backyard this summer, we want to hear all about it! Make sure to let us know what you’re up to below or on our Facebook page! We also encourage you to post any photos from your adventures!

My teeth don't line up any more. Why?

April 26th, 2017

If your teeth don't line up like they used to any more, you may be suffering from temporomandibular joint disorder, often called TMD. This is a term that can actually be applied to any condition that occurs because the temporomandibular joint (TMJ) is inflamed.

The temporomandibular joint is essentially the hinge that holds your lower jaw to your skull, and when it is inflamed or damaged in any way, it can be extremely painful. You have two temporomandibular joint, one on each side of your jaw, and it is typical to experience TMD in both sides at the same time.

Shifting of the Teeth

The reason that your teeth may not line up as they once did is that the ball and socket joints are often out of alignment and, as mentioned above, often very inflamed as a result. In order to correct the problem, Dr. Mark Olson may prescribe dental orthotics such as a lower jaw splint.

Sometimes, the wisdom teeth can play a role in the shifting of the teeth as well. If shifting wisdom teeth is combined with TMD, it may be necessary to have your wisdom teeth removed. Dental splints may follow if your teeth don't shift back to their proper positions on their own.

TMD is certainly a difficult thing to deal with, so if you experience your teeth shifting, scheduling an appointment at our Eau Claire, WI office is the smartest course. We want to help you get your smile back, so give us a call anytime.

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