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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. Vincent Cardinale and Dr. Chris Moody 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 Cardinale Dentistry. 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. Vincent Cardinale and Dr. Chris Moody, 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. Vincent Cardinale and Dr. Chris Moody 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. Vincent Cardinale and Dr. Chris Moody 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 Naples, FL office.

Dr. Vincent Cardinale and Dr. Chris Moody and our team recommend that you brush your teeth two to three times a day, for at least two minutes each time. But have you ever wondered what’s in toothpaste and how it actually works? The mouth is home to more than 500 types of microorganisms that feed on leftover food that gets stuck on and around your teeth. Toothpaste is the best line of defense against all those pesky microorganisms (especially when you brush two to three times a day). Here’s how it works.

Abrasives

Toothpaste contains mild abrasive additives that combat microorganisms and fight plaque. When you brush, the abrasives in toothpaste dislodge food particles and microorganisms more effectively than if you simply brush your teeth with water. The abrasives also work to remove food stains and polish the surface of the tooth. Some toothpastes include ingredients like triclosan and Xylitol. These chemicals prevent the growth of bacteria that produce plaque. Plaque not only causes cavities, but it can also lead to more dangerous issues like periodontal disease.

Fluoride

Fluoride is key ingredient in toothpaste. As the microorganisms in your mouth feed off the leftover food particles, they leave behind acid and sulfur byproducts that wear away the enamel of the teeth. This is the fancy, technical way of saying that the acid on your teeth causes cavities. As for the sulfur byproduct –well, that’s just a fancy, scientific name for bad breath. Fluoride works to fight the acid and help protect the teeth. By brushing, the fluoride is incorporated into the tooth enamel, which in turn makes the tooth more resistant to acid and plaque.

Flavoring and Sweetening Agents

Not all toothpaste tastes the same, right? The type of flavoring or sweetening agents added to the toothpaste doesn't have anything to do with fighting microorganisms and plaque, but taste is one of the most important selling points in finding a toothpaste brand you like. Flavoring agents mask the taste of some of the other ingredients in toothpaste, and without those agents chances are nobody would be brushing their teeth two to three time a day.

At every check up, Dr. Cardinale and Dr. Moody pay close attention to your oral health. Not only do they clean each tooth to prevent cavities, but they also look  for signs of developing gum disease. Many patients may not know the symptoms of gum disease or what causes it but it’s important to stay informed so that your mouth can stay healthy!

Gum disease is caused by inflammation of the gums caused by dental plaque buildup at the gum line, otherwise known as gingivitis. Gingivitis is a mild form of gum disease that usually is treatable with regular brushing and flossing. Gingivitis symptoms can include:

• Red or swollen gums
• Bleeding when brushing or flossing
• Receding or tender gums
• Bad breath

At the gingivitis stage, gum disease can still be reversed since the bone and connective tissue that hold the teeth in place are not yet affected. However, if left untreated, a more serious gum disease can develop and can only be cured by a professional.

The good news is that by doing a few simple things every day, you can help prevent gum disease. Along with brushing and flossing every day (yes, every day!) it’s important to avoid any tobacco products and eat a healthy diet. Also, remember to schedule regular appointments with your dentist for cleanings and checkups. Dr. Cardinale and Dr. Moody are always looking to continue to increase their knowledge by researching the latest technology and studies regarding gum disease. Our office has new periodontal charting technology, the Florida Probe, as well as a Waterlase, which supports gum therapy treatment.

Call our office today to schedule your next appointment!

The wisdom teeth are the last of the permanent molars to emerge from the gums. This can occur as early as age 17 or as late as 21. Though some teens and young adults experience a completely normal tooth eruption with ideally aligned molars that pose no health threat, this is not the case for everyone.

According to the American Association of Oral and Maxillofacial Surgeons (AAOMS), wisdom teeth must meet specific criteria to avoid a required extraction. These guidelines include:

• Completely erupted and non-impacted
• Completely functional
• Painless
• Free of decay
• Disease-free
• Capable of being properly cleaned

If one or more of your child’s wisdom teeth do not meet these conditions, we recommend scheduling an appointment with Dr. Vincent Cardinale and Dr. Chris Moody; an extraction may be necessary.

Impacted wisdom teeth

One of the most common reasons for extracting a wisdom tooth is due to impaction. An impacted wisdom tooth is one that has not erupted and will not fully erupt from the gums. Usually this occurs because there is not enough room for the tooth to emerge. Impaction can be painful and can also lead to infection if left untreated. According to the AAOMS, roughly 90 percent of the teen and adult population has at least one impacted tooth. Extracting an impacted wisdom tooth early can help prevent future complications, such as periodontal disease, infections, and damage to neighboring teeth.

Extracting fully erupted wisdom teeth

Even if your child’s wisdom teeth are fully erupted, Dr. Vincent Cardinale and Dr. Chris Moody and our team at Cardinale Dentistry may recommend removing them as a preventive measure. Fully-erupted third molars often interfere with a healthy bite. This can lead to problems with tooth and jaw alignment and may also contribute to the development of headaches. Your child’s wisdom teeth may also be more prone to tooth decay and gum disease, because their location in the back of the mouth makes them more difficult to reach for brushing and flossing.

To learn more about wisdom teeth, or to schedule an appointment with Dr. Vincent Cardinale and Dr. Chris Moody, please give us a call at our convenient Naples, FL office!