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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 Dr. Viney Saini 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 Viney P. Saini Orthodontics. 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. Viney Saini, 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. Viney Saini 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. Viney Saini 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 Clarksburg, MD and Frederick, MD office.

Need some gift ideas for family members and friends who seem to have absolutely everything? Who are impossible to shop for? Who tell you not to worry, it’s the thought that counts? Well, we have a few suggestions which will show the people on your gift list that you’ve put a lot of thought into their gifts this holiday season. 

You love to see your friends and family smile, so we’ve come up with some smile-worthy ideas designed for their specific interests. 

Environmental Ally

The world is becoming a more eco-conscious place, and happily this transformation includes products designed for personal care. Put together a spa basket which is good for your friend’s comfort, dental health, and the planet!

A recycled gift box filled with environmentally friendly bath products and organic cotton face cloths becomes even more mindful with the addition of bamboo or recycled plastic toothbrushes, zero-waste fluoride toothpaste tablets, and biodegradable picks and floss. 

Don’t forget to include a colorful, insulated water bottle for sustainable hydration—and washing away food particles when there’s no handy place to brush after eating. Healthy planet/healthy smile.

Talented Techie

If your friend or relative is cutting edge high-tech, maybe it’s time for a dental upgrade. 

Modern electric toothbrushes offer plenty of options for the tech-savvy. They come with different settings for brushing and massaging. They can let brushers know if they’ve brushed long enough, if they’re brushing too hard, or when the brush head needs to be retired. Smart models even link to apps, which can, among other things, map out any missed spots in brushing coverage or suggest more effective brushing angles. 

And for an extra thoughtful touch, include a packet of plaque disclosing tablets. Chew one of these helpful little tablets and they will reveal any plaque that’s still on the teeth.

Adventure Seeker

How about a new backpack or carry-all for outdoor or travel adventures? A travel first aid kit is always a welcome addition for the person on the go.

Go the extra step and help a friend be prepared for anything with an emergency dental kit. You can find these lightweight kits in stores or online, or you can assemble one yourself with a travel-size toothbrush and toothpaste, floss, a travel mirror, cotton rolls, pain relievers, and even temporary fillings. Include a pack of sugar-free gum—it helps with altitude changes and hydration. Ask Dr. Viney Saini or the team at Viney P. Saini Orthodontics for suggestions!

Timeless Trendsetter

Older relatives might love a selection of modern gifts designed with old-fashioned comfort in mind, such as an automatic jar opener and a selection of jams, trekking poles for easier hiking, or wireless earbuds for enjoying music or an audio book.

For a lifetime of healthy smiles, consider adding a water flosser to your gift basket. Gum disease is a leading cause of tooth loss for older Americans. Water flossers are a great way to eliminate stubborn plaque, especially when mobility issues make manual flossing difficult. Adjustable water pressure applies just the right amount of cleaning power, and the flow can be directed to the gumline, between teeth, or anywhere necessary. 

Film Buff

If your bestie likes nothing better than an evening spent in front of the home screen, consider a subscription or gift card for a streaming service tailored to his or her favorites, whether it’s classic films, sci-fi, action, rom-coms, or epic adventures. 

And don’t forget the binge-watch treats! Fill a basket with dental-friendly goodies like fresh fruits, nuts, and dark chocolate. Include a collection of simple sparkling waters or a gift card for vitamin-rich smoothies. Who needs sugary candies and sodas with options like these?

No matter who’s on your shopping list, tailoring your gifts to their interests and their well-being is a great way to share happy, healthy holiday smiles with family and friends in Clarksburg, MD and Frederick, MD.

Nothing is more welcome at the Thanksgiving table than your happy, healthy smile! Here are some ideas to keep your holiday smile looking and feeling its best.

#1 Good Dental Hygiene Doesn’t Take Holidays Off

Thanksgiving day is bustling with activity, with shared meals and travelling and get-togethers in Clarksburg, MD and Frederick, MD. But it’s still essential to make time for proactive dental care. When foods stick around your teeth after you eat, the bacteria in plaque use those sugars and carbs to create acids which erode teeth and lead to cavities. And since Thanksgiving offers plenty of opportunities during the day to nibble on foods high in sugars and carbs, your teeth might need some extra TLC.

• If you’re home, brush and floss as usual after eating. If you’re travelling, bring a kit with a travel-size toothbrush and toothpaste and some floss to keep your teeth clean and your breath fresh throughout the day. 
• If you’ve been eating acidic foods like cranberry sauce, wine, or sodas, wait about 30-60 minutes to brush. Acids weaken enamel temporarily, and, until the enamel rehardens, brushing can be abrasive.
• Hydrate with water. Water helps wash away food particles from teeth and braces and helps neutralize enamel-damaging acids in foods and drinks by encouraging healthy saliva production.

#2 Be Choosy about Your Food Choices

• Make sure your plate has a healthy portion of protein and vegetables.
• If your dinner just isn’t complete without carbs, try whole grain rolls instead of soft breads and sweet potatoes instead of white potatoes.
• Eat sweets and desserts with meals, when saliva production is high. This helps wash away sugars and neutralize acids.
• If you or your child wears braces, be sure to keep to braces-friendly foods. This means nothing crunchy, chewy, hard, or sticky.
• Make water one of your go-to beverages. If you do drink acidic beverages such as coffee, soda, or energy drinks, don’t sip them throughout the day. This bathes the teeth in acid for long periods.
• Chew sugarless gum if the team at Viney P. Saini Orthodontics recommends it. Sugar-free gum encourages saliva production.

#3 Use the Right Tools When You Cook and Eat

And the right tools are never your teeth! Even when every surface in the kitchen is devoted to food prep and you can’t find the bottle opener or the nutcracker or the scissors anywhere, using your teeth to open bottles or nuts or bags of chips is a recipe for disaster. Avoid fractured and chipped teeth by using the appropriate tool for the job.

#4 See Your Dentist to Prevent Small Problems from Becoming Big Holiday Disruptions

If you’ve been suffering tooth pain or sensitivity, schedule an appointment with Dr. Viney Saini before the holidays to make sure your teeth and gums are their healthiest. Nothing takes the fun out of feasting more quickly than a dental emergency. 

Work with Dr. Viney Saini to ensure that your dental health is at its best for the holidays and every day. With proactive care, a tooth-friendly diet, and regular examinations, you’ll be welcoming friends and family with a beaming, healthy smile all year long.

Now that you’re entering the working world, or heading off to college, or pursuing any of the many adventures awaiting you in adult life, you’re ready to take on more adult responsibilities. And one of those responsibilities is making sure you maintain your dental health.  

Luckily, it’s not that hard! Successful adulting often means simply making small proactive choices which add up to big long-term benefits. So, let’s look at a few of the everyday habits of dentally successful adults.

Choose a Healthy Lifestyle

• Eat well.

Just like the rest of our bodies, our teeth and gums need a healthy diet to thrive. Sugar-fueled study sessions and energy drink-filled work hours should be the rare exception, not the norm. A diet rich in vitamins and minerals keeps gums healthy and enamel strong.

• Don’t use tobacco products. 

Cigarettes, cigars, pipe smoking, chewing tobacco—any form of tobacco products, especially combined with alcohol use, can greatly increase your chances of developing mouth and throat cancers.

• Talk to your doctor about the HPV vaccine.

HPV (human papillomavirus) can also cause mouth and throat cancers. The American Academy of Pediatrics recommends the HPV vaccine for kids ages 9 through 12. If you haven’t been vaccinated yet, talk to Dr. Viney Saini about the potential benefits of the HPV vaccine. 

Practice Good Oral Hygiene

• Brush at least twice a day, for two minutes each time. 

Plaque begins to build up within hours after your last brushing. Removing plaque morning and evening also removes the cavity-causing bacteria which live in plaque. These bacteria erode enamel and lead to cavities.

• Floss at least once a day. 

Flossing helps remove plaque from your gumline. When plaque accumulates over time, it becomes tartar, a substance so hard that you’ll need a dental professional to remove it. The bacteria in plaque and tartar irritate your gums, and this irritation is the beginning of gum disease. Early stage gum disease (gingivitis) can often be reversed with better brushing and flossing habits—but, even better, help stop gum disease before it starts with daily flossing.

• See your dentist regularly. 

If you’ve had the same dentist since childhood, you’ve probably developed a great partnership, typically visiting your dentist twice each year for an exam and a professional cleaning. 

Make sure you make space in your busy adult life to keep your smile its healthy, sparkling best by continuing to schedule regular cleanings and exams. This is the best way to clean away any plaque or tartar you may have missed, and, most important, to catch any small problems before they become bigger ones. 

Keep Up with Your Orthodontic Care

If you’ve spent several of your teen years in braces or aligners creating a beautiful, healthy smile, you don’t want to see all your hard work go to waste. Retainers are designed to make sure your teeth stay just where they belong for a lifetime. 

When retainers aren’t worn as directed, especially when braces or aligners first come off, the teeth can shift back to their old positions. Sometimes going back to your regular retainer schedule can fix any minor movement, but sometimes patients need to go back for repeat orthodontic treatment.

How to avoid orthodontic do-overs?

• If you have a retainer, wear it as scheduled to maintain your alignment and healthy bite. 
• Put your retainer in a case when you’re not wearing it. A bent or broken retainer won’t keep your teeth aligned properly and can damage delicate oral tissues!
• If your retainer is damaged, see the dental team at Viney P. Saini Orthodontics in Clarksburg, MD and Frederick, MD ASAP for repair or replacement.

Not so difficult, right? In fact, you’ve probably adopted most of these healthy habits already. Take charge of your dental health now, make good habits a part of your daily routine, and you’ll be prepared to enjoy a lifetime of healthy, attractive, adult smiles!