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Unless you work for an insurance company, you probably do not spend a lot of your time studying all the terminology that dental insurance companies use to describe the treatments and services they cover. If it seems pretty confusing, here are some of the most commonly used dental insurance terms and what they mean.

A Basic Glossary

Annual Maximum–The maximum amount your policy will pay per year for care at Cardinale Dentistry. It is often divided into costs per individual, and (if you are on a family plan) per family

Co-payment– An amount the patient pays at the time of service before receiving care, and before the insurance pays for any portion of the care

Covered Services– A list of all the treatments, services, and procedures the insurance policy will cover under your contract

Deductible– A dollar amount that you must pay out of pocket each year before the insurance company will pay for any treatments or procedures

Diagnostic/Preventive Services– A category of treatments or procedures that most insurance will cover before the deductible which may include services like preventive appointments with Dr. Vincent Cardinale and Dr. Chris Moody, X-rays, and evaluations

In-Network and Out-of-Network– A list of providers that are part of an insurance company’s “network”

• If you visit in-network providers, the insurance company will typically cover a larger portion of the cost of the care you receive. If you visit someone who is not part of the network, known as an out-of-network provider, the insurance company may pay for a portion of the care, but you will pay a significantly larger share from your own pocket.

Lifetime Maximum– The maximum amount that an insurance plan will pay toward care for an individual or family (if you have an applicable family plan)

• This is not a per-year maximum, but rather a maximum that can be paid over the entire life of the patient.

Limitations/Exclusions– A list of all the procedures an insurance policy does not cover

• Coverage may limit the timing or frequency of a specific treatment or procedure (only covering a certain number within a calendar year), or may exclude some treatments entirely. Knowing the limitations and exclusions of a policy is very important.

Member/Insured/Covered Person/Beneficiary/Enrollee– Someone who is eligible to receive benefits under an insurance 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; waiting periods may be waived if you were previously enrolled in another dental insurance plan with a different carrier

There are many different insurance options available, so you need to find out exactly what your insurance covers. It’s important to review your plan with a qualified insurance specialist. Don’t be afraid to ask questions about the policy so you can understand it fully and be confident that you know everything your policy covers the next time you come in for treatment at our Naples, FL office.

Toothpastes come in many forms and boast different flavors, benefits, and endorsements. All are designed to remove surface bacteria and prevent the buildup of plaque that can cause tooth decay. With so many choices, Dr. Vincent Cardinale and Dr. Chris Moody and our team at Cardinale Dentistry know that selecting the right toothpaste can be intimidating. After all, some benefits are welcome bonuses, while others are absolutely essential. So how can you know which toothpaste is best for you?

ADA Seal of Approval

While all toothpastes must first be approved by the Food and Drug Administration for sale to consumers, the American Dental Association puts these products through further rigorous tests for safety and effectiveness. Toothpaste that boasts the ADA Seal of Approval can be trusted to do exactly what it claims.

Fluoridated

Fluoride is an essential ingredient in a daily toothpaste. It helps to protect the tooth from decay by removing plaque and strengthening the enamel. Although fluoride is found in many public water supplies, many people are deficient in it due to the consumption of bottled water instead of tap water. All toothpastes with the ADA Seal of Approval contain fluoride.

Other benefits

If a toothpaste meets the ADA’s standards and contains fluoride, the next step is to clear it with your dentist. This is especially true if you decide to use a whitening toothpaste, which often contains abrasives to remove surface stains. Though abrasives are an effective aid in tooth whitening, they may not be recommended if you have weak tooth enamel.

Specialty toothpastes

In certain situations, Dr. Vincent Cardinale and Dr. Chris Moody may suggest or prescribe specialty toothpaste, depending on your oral health needs. For example, patients who are prone to tooth decay and cavities despite frequent brushing and flossing may benefit from prescription-strength fluoridated toothpaste to help prevent the weakening of tooth enamel. Others who suffer from tooth sensitivity may benefit from the use of desensitizing toothpaste. Talk with Dr. Vincent Cardinale and Dr. Chris Moody if you think a specialty toothpaste could be right for you by scheduling an appointment at our Naples, FL office.

Inflamed gums are a fairly common dental issue, but unfortunately, many people don't take the problem seriously enough. If you ignore inflamed gums and continue your usual routine, you could be encouraging a much more severe inflammation problem, and the pain that goes along with that. Fortunately, it is quite easy to relieve inflamed gums if you use the tips below.

Use Soft Bristles

A soft-bristle toothbrush - the softest you can buy - is a must for anyone with inflamed gums. Anything that makes contact with your gums can cause you pain, so fine and soft bristles are always the best choice.

Use Sensitive Formula Toothpaste

The toothpaste marketed as “Sensitive Teeth Formula” contain special ingredients to help relieve sensitivity. When your gums are inflamed, even light brushing can cause some pain. Using a special toothpaste will help reduce that pain and make it easier to brush your teeth effectively. The effect becomes stronger as you use the toothpaste more, so use it for each brushing.

Visit Our Office

If your gums remain swollen for more than a few days or a week, set up an appointment with Dr. Vincent Cardinale and Dr. Chris Moody. There is a long list of conditions that could be causing your swollen gums, everything from gum disease to pregnancy, so you need to find out where your issue is coming from. Most of the time, Dr. Vincent Cardinale and Dr. Chris Moody can easily treat the swollen gum issue at our Naples, FL office, or can give you an effective treatment to take home.

In our continuing efforts to provide the most advanced technology and highest quality care available to our patients at Cardinale Dentistry, we proudly screen our patients for oral cancer. The fact is, every hour of every day in North America, someone dies of oral cancer, which is the sixth most common diagnosed form of the disease. The five-year survival rate is only 50 percent, and oral cancer is one of the few cancers whose survival rate has not improved.

Oral cancer can occur on the lips, gums, tongue, inside lining of the cheeks, roof of the mouth, and the floor of the mouth. Symptoms of oral cancer may include a sore in the throat or mouth that bleeds easily and does not heal, a red or white patch that persists, a lump or thickening, ear pain, a neck mass, or coughing up blood. Difficulties in chewing, swallowing, or moving the tongue or jaws are often late symptoms. While there is no way to predict exactly which individuals will get oral cancer, there are some potential causes we want you to know about. In some cases, it is possible to minimize these risk factors.

• Age (most patients diagnosed with oral cancer are over the age of 40)
• Tobacco use, either from cigarettes or smokeless chewing tobacco
• Excessive alcohol consumption
• Persistent viral infections, such as HPV16
• A diet lacking or low in fruits and vegetables

Finding out you have oral cancer can be devastating news. If you are concerned that you might be at risk for developing oral cancer, talk to us about screenings and other things you can do to reduce your risk. Through a routine visual inspection, Dr. Vincent Cardinale and Dr. Chris Moody and our team at Cardinale Dentistry can often detect premalignant abnormalities and cancer at an early stage, when treatment is both less expensive and more successful, and can potentially save your life. Ask Dr. Vincent Cardinale and Dr. Chris Moody and our team at Cardinale Dentistry about a screening at your next appointment!