Common questions about dental insurance

Understanding what’s covered by your dental insurance is an important part of making sure you get the best oral care possible.

Here are some common questions that arise when people want to understand their cover better.

– If treatment my dentist recommends is not covered by my insurance, does that mean it’s not necessary?

Some plans make exclusions such as sealants, pre-existing conditions, adult orthodontics, and specialist referrals. This depends on your dental plan and you should not let the level of cover determine whether you need treatment.

– My dental benefit will only pay for a large filling but my dentist recommends I get a crown. Which should I choose?

Some plans will only cover the least expensive solution but it may not be the best option for your needs. You should decide based on your health needs and not on your insurance cover.

– My dental plan says it will pay 100 percent for checkups and cleanings but the insurance company says I owe for part of the dentist’s charge. How can this be?

Some plans provide cover based on a “customary fee” for each procedure. So, if your dentist’s fee is higher, your benefit will be based on a percentage of the customary fee instead of your dentist’s fee. Although these limits are called “customary,” they may not accurately reflect the fees that dentists charge in your area.

– Will my plan cover the care my family will need?
If your employer offers more than one plan, check the exclusions and limitations of the coverage as well as looking at the general benefits. It’s a good idea to discuss your family’s likely needs with your dentist before choosing a plan.

The plan document should specify who is eligible for coverage under the plan.

Plans offered by the same provider or employer can vary according to the contracts involved so your dentist will not be able to answer specific questions about your benefit or predict what the coverage for a particular procedure will be.

If you have specific questions about coverage, talk to your plan provider.

Treating Sensitive Teeth

Sensitive teeth is a common problem that causes many people to feel discomfort with hot or cold foods and drinks.

It can also make it uncomfortable to brush or floss the teeth and therefore can lead to further oral problems.

However, sensitive teeth can be treated.

If you suffer from this, your dentist may suggest that you try a desensitizing toothpaste, which contains compounds that help block transmission of sensation from the tooth surface to the nerve.

For desensitizing toothpaste to work, you normally have to make several applications.

If the desensitizing toothpaste does not help, your dentist may suggest further solutions.

For example, fluoride gel – which strengthens tooth enamel and reduces the transmission of sensations – may be applied to the sensitive areas of the teeth.

If the sensitivity is caused by receding gums, your dentist may use bonding agents that “seal” the sensitive teeth.

The sealer is usually made of a plastic material.

If there is severe hypersensitivity which cannot be treated by other means, there is the option of endodontic (root canal) treatment.

Sensitive teeth is a problem that can stop you enjoying your food but is one that can often be solved.

Treating Sensitive Teeth

Sensitive teeth is a common problem that causes many people to feel discomfort with hot or cold foods and drinks.

It can also make it uncomfortable to brush or floss the teeth and therefore can lead to further oral problems.

However, sensitive teeth can be treated.

If you suffer from this, your dentist may suggest that you try a desensitizing toothpaste, which contains compounds that help block transmission of sensation from the tooth surface to the nerve.

For desensitizing toothpaste to work, you normally have to make several applications.

If the desensitizing toothpaste does not help, your dentist may suggest further solutions.

For example, fluoride gel – which strengthens tooth enamel and reduces the transmission of sensations – may be applied to the sensitive areas of the teeth.

If the sensitivity is caused by receding gums, your dentist may use bonding agents that “seal” the sensitive teeth.

The sealer is usually made of a plastic material.

If there is severe hypersensitivity which cannot be treated by other means, there is the option of endodontic (root canal) treatment.

Sensitive teeth is a problem that can stop you enjoying your food but is one that can often be solved.

Why its not inevitable that you'll lose your teeth as you get older

Advancements in dental techniques and the increased focus on preventive dentistry means older adults are keeping their natural teeth longer than ever before.

A survey by the National Institute of Dental and Craniofacial Research showed that the rate of toothlessness in the 55 to 64 age group has dropped 60 percent since 1960.

Whatever your age, its important to practice good oral hygiene at home and to visit your dentist regularly. A few simple steps can help you maintain good oral health throughout your life.

Plaque, the sticky, colorless layer of bacteria that causes tooth decay and gum disease, can build up quickly on the teeth of older adults, particularly when they neglect oral hygiene. This can increase the risk for tooth decay and periodontal disease.

So its important to brush your teeth twice a day with fluoride toothpaste, and clean between your teeth daily with floss or interdental cleaners.

Regular dental checkups are also an important part of caring for your teeth.

This can help you save your teeth and gums and prevent other dental problems. It will save you time and money in the long-run as well.