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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. Meuselbach 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 Robert Scott Meuselbach 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. Meuselbach, 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. Meuselbach 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. Meuselbach 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 West Chester office.

When’s the last time you gave your toothbrush any serious thought? Sure, you use it every day (and ideally twice), and you know that with a dollop of toothpaste it waxes up your pearly whites nicely, not to mention preventing bacteria, plaque, and inflammation.

But what are the things you should never do with your toothbrush? Here’s a brush-up on five toothbrush no-nos, from Robert Scott Meuselbach DDS.

1. If you have your toothbrush too close to the toilet, you’re brushing your teeth with what’s in your toilet. In other words, keep your toothbrush stored as far from the toilet as possible.

2. The average toothbrush harbors ten million microbes. Many families keep their toothbrushes jammed together in a cup holder on the bathroom sink, but this can lead to cross-contamination. Family members’ toothbrushes should be kept an inch apart. Don’t worry; they won’t take it personally.

3. Don’t delay replacing your toothbrush. It’s best to purchase a new one every three to four months, but by all means get one sooner if the bristles are broken down because of your frequent and vigorous brushing. If you have a cold or the flu, replace your toothbrush after you recover.

4. Store your toothbrush out of the reach of toddlers. The last thing you want is for your toothbrush to be chewed like a pacifier, dipped in toilet water, or used to probe the dusty heating ducts.

5. Sharing is caring, right? Your parents probably taught you the importance of sharing back when you were, well, dipping their improperly stored toothbrushes in toilet water. But here’s the thing: As important as sharing is, there are some things you just don’t share, and your toothbrush is one of them.

When you are missing teeth, it is critical to replace them. Without all your teeth, chewing and eating can be challenging, as well as uncomfortable. Missing teeth can also destabilize your bite. Dental implants are a great option for replacing teeth that are missing or are badly diseased. A dental implant at Robert Scott Meuselbach DDS offers relief, support, and stability to your bite, and often, implants are the most natural and effective option available.

Dr. Meuselbach and our team have helped many patients using implant dentistry at our West Chester office restore their smiles to look more natural. Each implant is created to fit in perfectly with the look of the rest of your teeth.

Besides making your smile appear more natural, dental implants have other benefits. They include:

• Restoring your ability to properly chew food
• Preventing your teeth from shifting and moving
• Stabilizing your bite, helping you avoid pain or discomfort

If you are missing a tooth or multiple teeth and feel like you are a candidate for dental implants, Dr. Meuselbach and our team at Robert Scott Meuselbach DDS encourage you to give us a call to schedule an appointment. See you soon!

You’ve made an appointment at our West Chester office to treat your cavity, the decayed area has been removed, and the site has been cleaned and prepared for a filling. Now it’s decision time. What kind of filling should you choose? Well, that depends. There are durability, aesthetic, and price considerations involved in any of your choices, so let’s look at some options before you decide.

Gold

This is a classic choice for a reason. Gold is very durable and can last longer than fillings made from other materials. Because they are crafted from precious metal, gold fillings are more expensive than other alternatives. They are also most often indirect fillings—that is, they are not immediately placed in a tooth, but are formed based on a mold of your tooth taken on your first visit and set in position on a second visit. A gold filling is also noticeable, which can be a matter of concern or a style statement!

Metal Amalgam

An amalgam is a mixture, and an amalgam filling is usually composed of several metallic elements, including silver, tin, copper, and mercury. This filling is also very durable and is one of the most cost-effective choices. Its silver color does not blend into the tooth, so visibility is a factor. Amalgam fillings are considered a safe option, but, if you wonder about potential metal allergies or the amount and kind of mercury involved, we will be happy to discuss your concerns. One possible drawback to amalgam fillings is that sometimes more tooth structure needs to be removed to accommodate them, so this is also a subject we can discuss.

Composite Resins

These fillings are often selected because they are both durable and almost invisible when the color is matched to your tooth. Made of acrylic resin and powdered glass, a composite filling is what is called a “direct filling”—one that can be completed and bonded to the tooth in one visit. These are often more expensive than amalgam fillings, but might be preferable for cosmetic reasons, especially when a front tooth is involved. They also need less tooth structure removed to accommodate them and can be better bonded to small excavations than some other options. They can be prone to staining over time.

Ceramic

Ceramic fillings have the virtue of being virtually undetectable. They can be color-matched to your teeth for a seamless look, and are more stain-resistant than composite fillings. They are also a more expensive option, and, like gold fillings, can involve a two-phase process with a filling molded to fit the excavation site placed in your tooth on a second visit.

Dr. Meuselbach and our team are happy to discuss all of your options before it is time to treat your cavity, since there are a number of factors which might impact your decision. A molar will require a more durable filling than a front tooth, while being less visible when you smile or speak. Insurance plans might pay for only a portion of a filling’s cost if it is more expensive than an amalgam, or will pay for a composite filling only if it is in a visible location. We can help you decide which filling best fits all your needs, providing you with the healthy and beautiful smile you deserve!