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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 dental care at Pediatric Dental Associates. 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 routine checkups with Dr. Paul Engibous, cleanings, X-rays, fluoride treatments, 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 a dental insurance plan will pay toward dental 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 a dental 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 a dental insurance plan

Provider– Dr. Paul Engibous 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 Anchorage, AK office.

For many individuals, autumn brings with it a number of new beginnings. Fall is the time that many people return to school, get back to the daily grind after an enjoyable summer, and even get married. As the weather cools down, it’s easier to enjoy the outdoors. And regardless of what fall-related events are on your calendar, Dr. Paul Engibous and our team at Pediatric Dental Associates know you’ll want to look your best.

One of the very first things that people will notice about you is your smile. And if yours has become less dazzling over the years — as teeth tend to do — you know how disappointing it is not to have the beautiful, pearly white look you’re used to.

Benefits to Teeth Whitening

For school-bound students and autumn brides, fall calendars are certainly filled. School and weddings call for large financial investments, loads of social interaction, and a large amount of personal dedication. So the last thing any bride or student wants to think about is a less-than radiant smile.

For many, there is a lack of confidence associated with their smile and investing in teeth-whitening techniques can be an effective solution. Studies suggest that not only can you experience a boost in your level of confidence, but also you may find that other advantages quickly fall into place.

A confident smile can affect:

• Personal and work-related relationships
• Job interviews and meetings
• Success when dealing with customers and potential clients
• Your personality and general happiness with your age
• Overall outlook on daily interactions

A Real Affect on Daily Living

All of these benefits can relate directly to how you see yourself. When you are insecure with something as prominent as your smile, it can affect the way that you handle your life, everything from social gatherings to professional situations.

Now is the perfect opportunity to rejuvenate your smile. With the right teeth-whitening product and regular hygienic practices, walking down the aisle or starting the new semester with the utmost confidence has never been easier.

References:

Benefits of Teeth Whitening from: http://www.professionalteethwhitening.org/benefits-of-teeth-whitening.html.

Labor Day, celebrated on the first Monday each September here in the United States, is a holiday devoted to the American working community. The purpose of the holiday is honoring the country's workers and their contributions to the strength of our country as a whole.

How Labor Day Started

There is actually some debate as to the origins of Labor Day. It is uncertain whether Peter McGuire, a co founder for the American Federation of Labor, or Matthew Maguire, who was the secretary of Central Labor Union of New York, had the great idea. However, the Central Labor Union's plans were what launched the first Labor Day in America.

The First Labor Day

The very first Labor Day was celebrated on September 5th, 1882. The Central Labor Union then held annual celebrations on September 5th for what they called a working man's holiday. By the year 1885, the Labor Day celebration had spread to many different industrial areas, and after that it began spreading to all industries in the United States.

Labor Day Today

Labor Day today is a huge United States holiday during which we honor the country's workers with a day of rest and relaxation or a day of picnics and parades. This holiday is truly one to honor the many people who work hard to contribute to the economic well-being of our great country!

Our team at Pediatric Dental Associates hope all of our patients celebrate Labor Day, and every holiday, safely and happily. Whether you stay in the Anchorage, AK area, or travel out of town, have fun, and don't forget to brush!

Emergency care dentists are equipped to handle any tooth emergency. Seeing us out first takes less time than having to sit in a hospital emergency room, only to be told to see a dentist. When dental emergencies occur, seek emergency care with Pediatric Dental Associates as soon as possible. We are prepared and equipped for any type of dental emergency: day or night, seven days a week, we stand ready to advise and treat you with great dental care.

There are several types of dental emergencies, but only one or two should require a hospital emergency room visit. If you suspect you have a broken jaw or nose, emergency medical attention is required. For pain associated with teeth and gums or injury to a tooth, Pediatric Dental Associates is the better choice. Dental pain almost always becomes worse without treatment, and can create other serious health issues.

If a tooth has been traumatized or knocked out of your mouth, our team can treat the sensitive nerves and tissues that could be damaged. If you can replace the tooth quickly enough, chances are it can be saved. According to the American Dental Association, there are certain precautions to take during a dental emergency that could help preserve a tooth until you can see our professional dentists for emergency dental care.

Call our Anchorage, AK office at the first onset of pain. If you have lost a tooth, crown, or filling, try to keep the tooth or restoration moist. Teeth are strong, but they will crack and shift after an injury or the loss of a bridge or crown. If the crack extends to the root, or the loss of a tooth or crown leaves sensitive tissue or nerves exposed, the pain can be excruciating. Our emergency care dentists will always treat your pain immediately upon examination, and fix the problem or advise you of a plan to address the cause of the pain.

Make your appointment immediately if you have suffered an accident-causing tooth injury. If the pain is the result of decay or cavities, medication for infection may be necessary. Depending on the extent of the decay, a filling, extraction, or root canal may be recommended. These treatments are not available in a hospital emergency room, but can be completed quickly and comfortably at Pediatric Dental Associates .