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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 Delaware Pediatric 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. Parulkar, 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. Parulkar 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 Lewis Center, OH office.

You already know that Delaware Pediatric Dentistry recommends you come in for a checkup and cleaning at least every six months, but do you know what your child’s dental needs are? From the time children are babies and growing in their first teeth, their oral health care needs may be different from adults. It’s important to know what they need, and when, to help them grow strong, healthy teeth.

When to See Our Team at Delaware Pediatric Dentistry

While dental care (at home) can begin as soon as your baby starts to show signs of that first tooth, most experts do not recommend you see a dentist until your child is at least one year old. The child will likely be too young at this point to have a full dental exam, but we can take a look at your baby’s teeth and give you tips for brushing and flossing properly.

By the time your child has all of his or her baby teeth—usually around 24 to 30 months of age—we can begin scheduling regular checkups and cleanings.

What to Expect on the First Visits

The first visit to our Lewis Center, OH office for a full exam will mostly involve getting to know Dr. Parulkar and staff members, and making your child feel comfortable. Let us know if you would like to sit in the exam room during the appointment, but keep in mind that it may be beneficial to leave your child alone with Dr. Parulkar for a portion of the appointment so we can start building trust with your child.

Our team at Delaware Pediatric Dentistry will likely do some or all of the following during your child's visit:

• Look for signs of decay or other tooth or gum problems
• Examine your child’s bite, checking for misalignment that could lead to problems in the future
• Clean the teeth, and apply fluoride if your child is old enough
• Talk to you about proper oral health care for your children
• Answer any questions you may have about caring for your child’s teeth, which may include topics like fluoride needs, nutrition and diet, teething, and the frequency of future checkups

In most cases, we will recommend that you bring your child in every six months for regular checkups, the same as your recommended frequency.

Understanding your child’s unique dental needs is important for providing the best possible care when it becomes necessary. We look forward to building a good relationship with your child so coming to the dentist is a fun, rewarding experience and not a frightening one.

How better to spend the fall months than inside by the fireplace with a warm cup of cider and a book in hand? Dr. Parulkar and our team at Delaware Pediatric Dentistry encourage you to warm up your mind this fall season with a few great books. Sure it may be easy to put off reading when balancing a hectic schedule, but reading is vital to brain development. Besides, reading is always a blast!

This week, we thought we’d ask what you or your child are reading this fall. Do you have any suggestions for must-read books this year? Out of ideas for great fall reads? Ask us for suggestions, and we would be happy to provide a few. You may also ask a local librarian here in Lewis Center, OH for some ideas.

Happy reading! Be sure to share with us your fall picks or your all-time favorites below or on our Facebook page!

Pediatric dentists strive to make your children’s visits welcoming and worry-free, and, we want the same for you! Ask us about any questions you might have. We are happy to explain procedures, equipment, and sedation options so you know just how safe and comfortable your child’s experience can be. And if X-rays are a concern, we can put your mind at ease here as well.

What Exactly Are X-rays?

Sometimes parents feel reluctant about the process of imaging because X-rays are a kind of radiation. But the fact is, radiation is all around us. We are exposed to radiation naturally from our soil and water, sun and air, as well as from modern inventions such as cell phones, Wi-Fi, and air travel.

Why is radiation so common? Because matter throughout the universe constantly gives off energy, and the energy that is emitted is termed radiation. This radiation takes two forms—as particles (which we don’t need to consider!) and as traveling rays. This second type is known as electromagnetic radiation, created by photons traveling in regular waves at the speed of light.

We are exposed to electromagnetic radiation every day, because, whether we can see them or not, these different wavelengths and frequencies create various forms of light. Radio waves, microwaves, infrared, visible, and ultraviolet light, X-rays, and gamma rays are all part of the electromagnetic light spectrum.

Different types of radiation on this spectrum have different wavelengths and different frequencies, and produce different amounts of energy. Longer wavelengths mean lower frequencies and less energy. Because X-rays have shorter wavelengths and higher frequencies than, for example, radio waves and visible light, they have more energy.

How Do Dental X-rays Work?

An X-ray machine produces a very narrow beam of X-ray photons. This beam passes through the body and captures images of our teeth and jaws on special film or digital sensors inside the mouth (intraoral X-rays), or on film or sensors located outside the mouth (extraoral X-rays). These X-ray images are also known as radiographs.

Why are X-rays able to take pictures inside our bodies? Remember that higher energy we talked about earlier? This energy enables X-rays to pass through the softer, less dense parts of our bodies, which are seen as gray background in a radiograph. But some substances in our bodies absorb X-rays, such as the calcium found in our bones and teeth. This is why they show up as sharp white images in radiographs. 

There are different types of common dental X-rays which are used for pediatric exams, including:

• Bitewing X-rays, which are used to check on the health of the back teeth.
• Periapical X-rays, which allow us to look at one or two specific teeth from crown to root.
• Panoramic X-rays, which use a special machine to rotate around the head to create a complete two-dimensional picture of teeth and jaws.

Why Do We Need X-rays?

If all of our dental conditions were visible on the surface, there would be no need for X-rays. But there are many conditions that can only be discovered with the use of imaging—infection, decay, or injuries, for example, can show up as darker areas in the teeth or jaws. Among their many diagnostic uses, X-rays can help us find:

• Cavities between teeth
• Damage to the tooth’s pulp which might require root canal treatment
• Injuries to teeth or roots after trauma
• Abscesses, tumors, or other conditions that might be causing swelling or pain
• Unusual position or development of the teeth before and as they erupt
• Alignment and development of wisdom teeth

X-rays can also serve an important preventative role, by discovering small problems before they become major ones.

How Do Dentists Make Sure Your Child’s X-rays Are as Safe as They Can Be?

First of all, the amount of radiation patients are exposed to with a dental X-ray is very small. In fact, a set of bitewing X-rays exposes us to slightly less than the amount of radiation we are exposed to through our natural surroundings in just one day. Even so, Dr. Parulkar and our team are committed to making sure young patients are exposed to as little radiation as possible.

Radiologists, the physicians who specialize in imaging procedures and diagnoses, recommend that all dentists and doctors follow the safety principal known as ALARA: “As Low As Reasonably Achievable.” This means using the lowest X-ray exposure necessary to achieve precise diagnostic results for all dental and medical patients.

The guidelines recommended for X-rays and other imaging have been designed to make sure all patients have the safest experience possible whenever they visit the dentist or the doctor. We ensure that imaging is safe and effective in a number of ways:

• We take X-rays only when they are necessary.
• We provide protective gear, such as apron shields and thyroid collars, whenever needed.
• We make use of modern X-ray equipment, for both traditional X-rays and digital X-rays, which exposes patients to a lower amount of radiation than ever before.
• We set exposure times based on each child’s size and age.

X-rays play an important part in helping us make sure your child’s teeth stay their healthiest. If you have any concerns, contact our Lewis Center, OH office. When it comes to making sure you’re comfortable with all of our procedures, including any X-rays that might be necessary, we’re happy to give you all the inside information!