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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 Drs. Rottschalk, Acker, and Froidcoeur 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 Dr. John Rottschalk Dental Group. 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 Drs. Rottschalk, Acker, and Froidcoeur, 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: Drs. Rottschalk, Acker, and Froidcoeur 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.

Drs. Rottschalk, Acker, and Froidcoeur 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 Fairview Heights, IL office.

Biofilm is a protective home for bacteria that’s composed of microorganisms. Biofilm can be found in wet places such as ponds, sewers, and bathroom drains, and it also grows on metals and minerals.

But biofilm can also be found in your mouth, in either healthy or diseased form. Both are composed of the same compounds, but when they combine with certain amino acids or chemicals, diseased biofilm will begin to destroy your enamel. You might notice this as a slimy yellow buildup of dental plaque on the surface of your teeth.

Biofilm takes form when free-swimming bacterial cells land on a surface and attach in a cluster. The cells begin to multiply and form a micro-colony that promotes diverse bacterial species to grow. To prevent biofilm from settling in your mouth to begin with, make sure to keep up your daily oral routine.

Any mouth appliances you use should also be scrubbed or soaked in cleaner as often as possible. You should pick a toothpaste that has antibacterial ingredients, rinse with mouthwash, and floss daily.

There are many ways to treat diseased biofilm. One is to kill the microorganisms through the use of chlorhexidine, triclosan, and mineral agents that reduce the degree of plaque formed in your mouth.

Another way is to make sure to go to your regular cleanings every six months with Drs. Rottschalk, Acker, and Froidcoeur. During your cleaning, we remove excess biofilm that’s accumulated on your teeth over the past six months.

Don’t forget that it’s also essential to keep a healthy amount of biofilm in your mouth, though. This type of biofilm protects your body from disease and is replicated every twenty minutes. If you have a healthy amount of good biofilm, the chances of your mouth producing harmful bacteria decreases.

Ask about biofilm during your next appointment at our Fairview Heights, IL office if you’ve noticed any irregular yellow-colored buildup on your teeth. Drs. Rottschalk, Acker, and Froidcoeur will make sure your mouth has a healthy balance of biofilm.

The best way to create a healthy environment in your mouth is to stay on track with your oral health regimen. Prevention is the best method when it comes to your dental hygiene and fighting diseased biofilm.

When you’re busy at work or school, when you’re on vacation, when you’re on the road to adventure—preparation helps everything go smoothly. Especially when the unexpected happens! So, how can you be prepared for any dental situations which might arise? By creating these useful—and portable—travel kits.

Everyday Basics Kit

Drs. Rottschalk, Acker, and Froidcoeur and our team recommend brushing twice a day and flossing at least once each day for clean and healthy teeth. But after a long day at work with no time to head home before your date, or a garlic-heavy lunch, or a morning filled with coffee and pastries to help you meet a deadline, you might feel like there’s no time like the present to give your smile a bit of a boost.

Be prepared with a small travel bag filled with these easy-to-carry basics to get you through your busy day with clean teeth, fresh breath, and a confident smile:

• Toothbrush and case—and do make sure your case is ventilated so your brush can air dry. Bacteria love a closed, damp environment!
• Toothpaste
• Mini-bottle of mouthwash
• Small mirror—to check for any lunch leftovers
• Dental floss—to remove any lunch leftovers
• Dental picks
• Sugarless gum—to freshen your breath and encourage saliva production, which helps clean away bacteria and food particles

Flight Gear

Getting set to travel by air again after this long lay-over? Your basic kit will do the job with just a few minor additions and alterations.

• A travel version of your manual or electric toothbrush and travel case
• Plug adapter or voltage converter as needed for your electric brush if you’re visiting another country
• Quart size, resealable plastic bag to hold your carry-on supplies. Toothpaste and mouthwash are included in the list of items which need to fit carry-on guidelines.
• Travel-size toothpaste—3.4 oz (100 ml) or smaller tube size. (And an almost-empty regular size tube doesn’t count!)
• Travel-size mouthwash—also in a 3.4 oz (100 ml) or smaller container
• Our Fairview Heights, IL office’s phone number. In case of emergency, Drs. Rottschalk, Acker, and Froidcoeur can give you advice on how to handle any problem which might arise when you’re far from home.

Looking for Adventure?

If you’re camping in the forest, leaving for the lake, going for a road trip, or heading out on any travel adventure, you’ll be bringing the dental care basics, of course. We’d also like to recommend some items to take along in the event of a dental emergency while you’re away from home:

• Dental mirror
• Cotton rolls
• Over-the-counter pain relief—including a tube of oral pain relief gel
• Ice pack
• Dental wax—to cover the sharp edges of a broken tooth
• Temporary fillings—to protect your sensitive tooth if a filling or crown is lost
• Tooth preservation kit—to protect a dislodged tooth in case it can be reimplanted. (This means seeing a dentist very quickly, usually within 30 minutes of the accident.)

And, if you’ll be mountain biking, water skiing, or enjoying any activity where there’s potential for impact, don’t forget to pack your mouthguard!

Preparation is key to eliminating a lot of stress in our daily lives, and who couldn’t use a bit of stress-relief these days? Make room in your bag, locker, desk, luggage, or backpack for some portable, lightweight dental necessities. Be prepared to share your confident, healthy smile no matter what life has in store!

Have you been having trouble getting a good night’s rest?

Sometimes the reason for a poor night’s sleep is obvious. A midnight horror movie. A bedtime espresso. That anchovy and pineapple pizza you had for dinner. Not much we can do about these problems.

Sometimes, though, the cause of your sleep difficulties is dental in origin, and that is something Drs. Rottschalk, Acker, and Froidcoeur can help with.

Teeth grinding, or bruxism, is a very common dental problem. When people with this condition sleep, their jaws clench and their teeth grind against each other throughout the night. When to suspect you might suffer from bruxism?

• You wake with a sore jaw, or you hear pops or clicks when you move your jaw
• You suffer from frequent headaches or facial pain
• Your teeth are chipped, cracked, flattened, worn down, or sensitive
• You wake up tired, because grinding affects the quality of your sleep
• Partners, siblings, or roommates complain about nocturnal grinding noises affecting the quality of their

Pain and fatigue are unpleasant enough, but there are additional serious consequences for those who suffer from bruxism. Our jaws are extremely powerful, and clenching and grinding can put hundreds of pounds on pressure on teeth and jaws over hours of sleep. These forces can lead to:

• Damaged teeth. Cracked, chipped, and worn down teeth can mean veneers, crowns, and root canals. Seriously compromised or broken teeth might need to be extracted.
• Damaged dental work. Bruxism can lead to fractured veneers and damaged fillings and crowns. If the damage is too serious for repair, replacement might be necessary.
• Damaged jaw joints. Severe cases of bruxism can lead to injury to the temporomandibular joint, or TMJ, the complex hinge that allows our jaws to move up and down, back and forth, and side to side.

While these problems can be treated with restorations, or root canals, or implants, or surgical procedures, prevention is clearly a much better option for a healthy smile. And one of the simplest and most effective treatments for preventing the damage caused by bruxism is a night guard.

Night guards fit over the affected teeth to prevent them from touching directly, saving tooth and enamel from injury and wear. Not only do night guards prevent contact, they spread the biting forces of the jaw over the surface of the guard to greatly reduce their impact. And because they also stop the jaw muscles from clenching tightly, there’s no excess stress placed on the temporomandibular joint.

While over-the-counter products are available, it’s best to see Drs. Rottschalk, Acker, and Froidcoeur for the most effective night guard. A custom night guard is designed to fit your individual teeth and mouth perfectly. Impressions or 3D scans are taken in our Fairview Heights, IL office, and a guard is fabricated with the precise shape, strength, and thickness you need to protect your teeth. And, as a bonus, custom night guards offer the most comfortable fit for the most comfortable night’s sleep.

Scary movies, late night caffeinating, creative food combinations—not much we can do about those! But if you’re suffering lost sleep and painful mornings because of tooth grinding, give us a call. A night guard just might be the key to sweet dreams.