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Dental insurance can be a great addition to your health care plan, but the way benefits are calculated can also make it a confusing one. If you have dental insurance, you might be wondering how you can make the most of your benefits. Let’s look at some of the important things to remember about taking advantage of your dental insurance.

• Know Your Benefits

Figuring out what insurance will and won’t pay for, what percentage of a procedure is covered, what the insurance company considers an allowable fee, when you have covered your deductible for the year—these calculations are often bewildering. It’s helpful to call our office and check with your insurance provider to learn the final cost of any treatment, and how much, if any, will be covered by your insurance.

• Use Your Benefits

Don’t lose benefits you have paid for! If you have not used your benefits, the time to do so is before the end of the insurance period (which may or may not be the end of the calendar year). When your dental plan re-starts, you will be paying for these unused benefits all over again. Similarly, if you have used your insurance and covered your deductible for the year, it makes sense to schedule your appointments before a new year brings a new deductible amount you will have to meet.

If you qualify for a certain number of preventive services such as check-ups and cleanings, you should always take advantage of this benefit—not only to find possible dental problems, but to prevent them.

And, if you have set up a Flexible Spending Account (FSA) to cover medical and dental expenses for the year, be sure to use the money in the account or you might lose it at the end of your year’s coverage. Many dental procedures are covered by an FSA—talk to our West Chester team and your provider for details.

• Possible Tax Deductions

If you are paying for your own dental insurance, you might be able to take advantage of the deduction for medical and dental premiums and expenses on your taxes. If your employer pays for your insurance, if you take the standard deduction, or if you spend less than a certain proportion of your income on health costs, these expenses are most likely not deductible. Be sure to check with your tax preparer or with the IRS for latest information on dental and medical deductions.

Finally, you should never put off urgent dental work because of insurance considerations. At the same time, you should be able to take full advantage of any dental insurance plan you have purchased, because you deserve to get every benefit you have paid for. Dr. Meuselbach and our team are here to help you work with your insurance company in any way we can. Our goal is the same as yours—insuring dental health for you and your family!

According to the Centers for Disease Control and Prevention, half of adults age 30 and over suffer from some form of gum disease. Caused by plaque buildup, gum disease is an infection of the tissue that surrounds and supports the teeth. In its advanced stages, it is known as periodontal disease. If left untreated, it can result in the loss of tissue and bone that support the teeth, causing teeth loss. It’s a preventable condition seen far too often by Dr. Meuselbach.

Research between periodontal disease and other diseases is ongoing. Some studies have indicated that gum disease is linked to other health conditions such as stroke or diabetes. Furthermore, while most factors that lead to periodontal disease are dependent on the individual (genetics, diet, poor oral hygiene) there is a possibility that periodontitis is capable of spreading from one person to another.

What the Research Says

Periodontitis is a gum infection, and the bacteria that cause the gums to become infected travels in saliva. Researches have used DNA coding techniques to track the path of infection from one person to another. In other words, kissing and close contact play a role in the transmission of the infection, so if you’re married to a spouse with periodontal disease, then your chances of having gum problems are slightly increased. Other studies have indicated that saliva contact is common in family settings through coughing, sneezing, and shared utensils and food. Children with parents who have periodontal disease are at a somewhat higher risk of developing it. At the same time, just because you exchange bacteria with your loved ones doesn’t mean you will get periodontal disease.

It is important to note that the scientific evidence supporting the spread of periodontal disease is limited and ongoing. The best way to prevent gum disease is through proper plaque control, which includes brushing, flossing, mouthwash, and twice a year trips for professional cleanings. Contact our West Chester office if you have any questions about periodontal disease.

Heading for the beach! Hiking to the lake! Keeping cool with a tall, frosty glass of ice water in a foreign bistro, or taking a refreshing gulp from the fountain in the park! Hot weather has arrived, and water is something we’re more conscious of now than most other times of the year. Even so, water as a dental feature? Glad you asked!

• Recreation

Whether you want to bask in the heat or escape it, heading out for a day in or on the water works. And while you’re protecting your skin with sunscreen, think about protecting your teeth and mouth as well. With one small slip, any physical water sport—water skiing, water polo, surfing—can result in damage to your teeth or jaw. Bring—and use—the mouthguard you wear for sports like basketball or biking, and make sure you have a summer of smiles ahead of you.

• Refreshment

Summer has a beverage menu all its own. Iced coffee and iced tea, a cooler full of sodas, fresh lemonade, fruity cocktails—so many refreshing ways to beat the heat! And we would never suggest that you turn down every frosty summer temptation. But do be mindful that dark beverages like tea, coffee, and sodas can stain teeth, sugary and acidic ones are damaging to your enamel, and alcoholic drinks can be dehydrating. Water, on the other hand, is always a healthy choice. It’s helpful for keeping your mouth and teeth clean, it often contains the fluoride that helps fight cavities, it’s hydrating—and, it has no calories! Be sure to make water a significant part of your summer beverage menu, and your body will thank you for it.

• Rinse & Restore

Water’s importance to our bodies can’t be overstated! From major organs to individual cells, we need water. And one major benefit of proper hydration is healthy saliva production. Why is that important? Saliva plays a vital role in preventing cavities. It washes away the food particles that oral bacteria feed on, reducing their ability to produce the acids that lead to enamel erosion and cavities. Saliva even helps neutralize acids already in the mouth. Finally, saliva contains important calcium, phosphate and fluoride ions which actually help restore enamel strength after it has been exposed to oral acidity.

Summer goes by all too quickly. Protect your teeth during these warm, active months with a mouthguard. And whether you spend your free time outdoors, or visiting people and places, or keeping cool at home, be mindful of dental-friendly beverage options and always stay hydrated. You’ll be ready to greet fall with a beautiful smile and healthy teeth. “Water Features”? Perhaps a better title would be “Water Power”!

Over time, everyone’s teeth can naturally become dull, due to aging and consumption of staining foods such as chocolate and coffee. The good news is that teeth-whitening treatments can help you maintain white teeth that last a lifetime.

Get Regular Treatments

Regular treatments at Robert Scott Meuselbach DDS are necessary to keep your teeth white for life, since whitening treatments are only temporary. Bleaching too frequently, however, can wear away your tooth enamel.

The effects of in-office bleaching are safe and can last for several months to a year. You may need to repeat your use of at-home bleaching kits every few months to maintain your white teeth. As far as day to day, whitening toothpastes are safe to use on a daily basis. The American Dental Association suggests you ask your dentist for advice on which treatment is best for you.

Have Realistic Expectations

Everyone’s teeth are different and, according to the American Dental Association, not all smiles can be turned bright white. Teeth can naturally be a light yellowish color that responds well to teeth-whitening procedures, but bleach is not likely to be effective for grayish teeth. Results for brownish teeth fall somewhere in between.

Practice Good Oral Hygiene

Good hygiene is imperative for teeth-whitening efforts. Visible fillings, implants, or bridges that are metallic can be visible against the white color you desire. These treatments can be prevented by maintaining a good oral hygiene routine.

In addition to brushing your teeth twice a day to remove dirt and potential staining agents, keep the following tips in mind:

• Floss every day
• Visit our West Chester office every six months
• Rinse your mouth with water after each meal and snack
• Limit sugary and starchy foods and beverages, especially between meals