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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. Sidney and Jacob Kelly 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 Sidney D. Kelly, DMD Family and Cosmetic Dentistry. 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. Sidney and Jacob Kelly, 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. Sidney and Jacob Kelly 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. Sidney and Jacob Kelly 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 Roseville, CA office.

In fancy medical terms, dry mouth is known as xerostomia. It’s really just what it sounds like: a condition in which you don’t have enough saliva to keep your mouth moist. Dry mouth can be the result of certain medications you’re taking, aging, tobacco use, nerve damage, or chemotherapy.

Depending on whether you’re aware of the cause of your dry mouth, here are some simple ways to keep it at bay:

• Avoid drinks that contain alcohol or caffeine
• Avoid tobacco use, or lower your consumption of tobacco
• Floss after every meal
• Brush your teeth after every meal using a fluoride toothpaste
• Avoid foods that have a high level of salt
• Stay hydrated and drink water frequently
• Consider using a humidifier at night

If you have any questions about dry mouth and how it is affecting you, give our Roseville, CA office a call or make sure to ask Drs. Sidney and Jacob Kelly during your next visit!

It’s no secret that New Year’s Eve is one of the most widely celebrated holidays in the world. Drs. Sidney and Jacob Kelly and our team love it too. It’s a fresh start, another year of surviving the crazy world we live in, a time to refocus on the things we want for ourselves, a celebration with those we love … the list goes on.

Dozens of countries welcome the New Year with over-the-top parties and celebrations. Because it’s a public holiday, many offices, businesses, and schools close for the day. As you think about your plans for this holiday, here are some fun facts about New Year’s that might surprise you!

Can you guess what the most common New Year’s resolutions are? You may already have one or two of these on your own personal list. The top five New Year’s resolutions are: to quit smoking, get a new job, lose weight, increase personal savings, and return to school. Just remember that coming up with a concrete plan to reach your goals is the surest way to achieve your resolutions!

About one million people brave the cold to watch the New Year’s Eve ball drop in New York City’s Times Square in person. Yes, that’s one million! This event is one of the most iconic celebrations in the world. People travel from all over just to experience it, but you can watch from the warmth and comfort of your living room.

If you’re not a fan of cabbage, collard greens, black-eyed peas, or ham hocks, you might want to revise your tastes. All these foods are all regarded as lucky fare on New Year’s Day. Unless you’re allergic, of course!

For many people in Mexico and Latin America, eating 12 grapes at midnight is a tradition that brings good luck in the 12 coming months. Most people even make a wish per grape!

Whether you’re celebrating in Roseville, CA or traveling elsewhere to observe the holiday, New Year’s Eve is a time to enjoy the company of your friends and family. Don’t forget to send warm wishes to your loved ones, and snag a midnight kiss with that special someone if you can!

YES! X-rays have been used in dentistry for a long time, and the amount of radiation has significantly decreased with advances in technology. While there is risk in every health diagnostic procedure at Sidney D. Kelly, DMD Family and Cosmetic Dentistry, the benefits must outweigh the risks. Dental X-rays do indeed fall into this category.

X-rays are exposed to a type of film to produce an image. The amount of X-rays required to produce this image differs with film speeds. Speed E or F is highly recommended, and digital X-rays require up to 50% less than speed E or F film. The digital X-ray software can adjust the exposure to produce a quality image. Digital X-rays are becoming a new standard and are most common.

Lead aprons have been used to reduce the amount of scatter radiation. All X-ray units have a cone to focus the X-ray beam so the exposure is highly localized. Lead aprons continue to be worn as a precaution for pregnant women, and a thyroid collar should also be worn. In most cases, this is sewn into the lead apron.

We get radiation exposure from environmental factors as well as healthcare diagnostic and treatment tools. To place this in perspective, in one year a person is expected to have 360mRem per year from the sun, air etc. By comparison, a single set of bitewing X-rays is 0.3mRem. Radiation can accumulate in our body over a lifetime, and additional exposure should be avoided whenever possible.