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Understanding Dental Insurance Terminology

July 13th, 2018

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. Ron Albert 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 Fresh Impressions Dental Care. 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. Ron Albert, 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. Ron Albert 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. Ron Albert 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 Manchester, CT office.

Teeth Whitening For a Bright Summer

July 6th, 2018

Summer brings sunshine and warm weather, and many of our patients begin thinking about brightening their smiles this time of year. A whiter smile is one just one visit away at Fresh Impressions Dental Care!

Teeth whitening is safe, quick, and inexpensive. It can be used to correct many tooth discolorations which may have been caused by staining, aging, or chemical damage to teeth. Using the latest in whitening technology, we can offer a safe method for creating the beautiful smile you've always wanted. Just let us know at any appointment if you would like a brighter smile.

Get your beautiful smile today! Give us a call at our convenient Manchester, CT office to schedule an appointment!

Happy Fourth of July!

June 29th, 2018

Happy Independence Day from Dr. Ron Albert and team! The Fourth of July celebrations in America may have changed a lot over the years, but there is no doubt that we Americans love to celebrate the anniversary of our country's independence! Today we're devoting the Fresh Impressions Dental Care blog to some fun facts about the Fourth!

  • My, how we have grown! This year the United States Census Bureau estimates that our country has 313.9 million residents celebrating the Fourth of July this year, but back in 1776 there were just 2.5 million members of the country.
  • Our country loves to show how proud that we are of our independence. Did you know that there are 31 United States places with the word “Liberty” in their names? The state of Iowa actually has four towns with the word Liberty in the name: Libertyville, New Liberty, North Liberty, and West Liberty.
  • The United States loves Fourth of July food! It is expected that around 150 million hot dogs are eaten on the Fourth each year. One of the Fourth's most popular sides, potato salad, goes just perfectly with the hotdogs and hamburgers that are standard Fourth of July fare. Some people choose potato chips instead, but we wouldn't have such a plethora of potatoes if not for the prodigious production of the states of Idaho and Washington -- they provide about half of all the potatoes in the United States today!
  • Americans love celebrating the Fourth outdoors: About 74 million Americans fire up their BBQ grill every Fourth of July.
  • The Chinese contribution: Did you know that Americans have spent more than $211 million on fireworks that were imported from China?

No matter how your family chooses to celebrate the Fourth, stay safe, take precautions, and don't forget to brush after your fabulous Fourth feast!

Nitrous Oxide

June 22nd, 2018

Nitrous oxide is a gaseous sedative that’s inhaled through a small mask placed over the nose. Often referred to as laughing gas — because of the euphoric effects it produces — nitrous is used in our Manchester, CT office for its anesthetic/analgesic properties.

It will make it so you don’t feel the pain of dental treatment or have an experience that some patients may find traumatic.

Nitrous oxide’s use in the dental field dates back to about the mid-1800s, but when it was introduced, practitioners didn't understand the need to add oxygen. These days all nitrous oxide is administered with at least 30% oxygen for safety (so it forms the compound N2O-O2).

If you need any form of dental treatment, Dr. Ron Albert may find it necessary to administer nitrous oxide. Some of the effects you may experience while you’re sedated include:

  • Lightheadedness, tingling in the arms and legs, followed by a warm or comforting sensation
  • A euphoric feeling or feeling like you are floating
  • Inability to keep your eyes open, so it seems as if you’re asleep

If at any time you feel uncomfortable, irritated, or sick, let Dr. Ron Albert know, so the percentage of nitrous oxide being used can be adjusted. The effects dissipate quickly once you return to breathing regular air.

It’s best to be informed about all aspects of your dental treatment before you arrive. There are alternatives to nitrous oxide, so if you’re at all concerned, please don’t hesitate to ask questions about other options for sedation.

Analgesic (numbing) injections can often be used locally at the surgical site. We’ll find what works best for your particular case.

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