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Dental insurance can be a great addition to your health care plan, but the way benefits are calculated can also make it a confusing one. If you have dental insurance, you might be wondering how you can make the most of your benefits. Let’s look at some of the important things to remember about taking advantage of your dental insurance.

• Know Your Benefits

Figuring out what insurance will and won’t pay for, what percentage of a procedure is covered, what the insurance company considers an allowable fee, when you have covered your deductible for the year—these calculations are often bewildering. It’s helpful to call our office and check with your insurance provider to learn the final cost of any treatment, and how much, if any, will be covered by your insurance.

• Use Your Benefits

Don’t lose benefits you have paid for! If you have not used your benefits, the time to do so is before the end of the insurance period (which may or may not be the end of the calendar year). When your dental plan re-starts, you will be paying for these unused benefits all over again. Similarly, if you have used your insurance and covered your deductible for the year, it makes sense to schedule your appointments before a new year brings a new deductible amount you will have to meet.

If you qualify for a certain number of preventive services such as check-ups and cleanings, you should always take advantage of this benefit—not only to find possible dental problems, but to prevent them.

And, if you have set up a Flexible Spending Account (FSA) to cover medical and dental expenses for the year, be sure to use the money in the account or you might lose it at the end of your year’s coverage. Many dental procedures are covered by an FSA—talk to our Kearney, Overton or Gibbon team and your provider for details.

• Possible Tax Deductions

If you are paying for your own dental insurance, you might be able to take advantage of the deduction for medical and dental premiums and expenses on your taxes. If your employer pays for your insurance, if you take the standard deduction, or if you spend less than a certain proportion of your income on health costs, these expenses are most likely not deductible. Be sure to check with your tax preparer or with the IRS for latest information on dental and medical deductions.

Finally, you should never put off urgent dental work because of insurance considerations. At the same time, you should be able to take full advantage of any dental insurance plan you have purchased, because you deserve to get every benefit you have paid for. Dr. Herrmann, Dr. Jones, Dr. Kugler, Dr. Loschen, and Dr. McClenahan and our team are here to help you work with your insurance company in any way we can. Our goal is the same as yours—insuring dental health for you and your family!

Dr. Herrmann, Dr. Jones, Dr. Kugler, Dr. Loschen, and Dr. McClenahan and our team know that as a parent, you want your child to be as healthy as possible. By now, you probably know that your son or daughter’s oral health plays a huge role in overall health.

When there are so many toothpaste ads and different styles of brush to choose from, it can be difficult to know which will serve your child the best. We recommend you break down the decision process to make it simpler.

First, your child’s age and stage of development are vital to consider. Until about the age or 12, your youngster may not be prepared to brush or floss adequately alone, due to dexterity issues. If that’s the case, it can be easier to use a battery-powered toothbrush to improve the quality of brushing.

Next is to select the right size of toothbrush head to fit your child’s mouth. As a general rule, the head of the toothbrush should be a little larger than the upper portion of the child’s thumb.

Flossers are great for children and easy to use. They have handles and a horseshoe shape on one end with floss in between. Your child can choose a color he or she likes as well as the handle size, shape, etc.

Not only are there many brands of toothpaste to choose from, there are also many different ingredients that offer varying benefits. Kids are at high risk for developing cavities so you want to make sure the following ingredients are in your child’s toothpaste if you wish to avoid problems later on.

Sodium fluoride is the standard ingredient for cavity prevention, while stannous fluoride is anti-bacterial and anti-cavity. Anti-sensitivity toothpastes often contain potassium nitrate, and triclosan can be found in one particular brand for anti-bacterial action.

Fluoride should not be ingested, so if your child can’t spit yet, use a toothpaste that contains xylitol. This is a natural sweetener and should be the first ingredient listed on the tube.

Now comes the fun part: choosing a flavor! Your little one may sample different flavors and select the one he or she likes the best. A youngster is more likely to adopt good brushing habits if the flavor is appealing.

Don’t hesitate to speak with Dr. Herrmann, Dr. Jones, Dr. Kugler, Dr. Loschen, and Dr. McClenahan if you need to make an appointment at our Kearney, Overton or Gibbon office, or if you have any questions about toothpastes or toothbrushes.

It's the end of summer, and fall is just around the corner. Soon the temperatures will cool down, the leaves will start to change, and Dr. Herrmann, Dr. Jones, Dr. Kugler, Dr. Loschen, and Dr. McClenahan and our team at Prairie Meadows Dental are sure that you’ll soon be thinking about Halloween costumes and Thanksgiving plans in no time. But wait! First, we want to know about your favorite parts of the summer! Did you go on a wonderful family trip? Did you pick up a new hobby? Did you try to spend as much time outside and in the sun as possible?

Share your favorite memories, stories, or photos with us by leaving a comment below or on our Facebook page.

September 19^th is just around the corner, and you know what that means—Aye, matey, it’s “Talk Like a Pirate Day”! Why do we have a “Talk Like a Pirate Day” and not a “Take Care of Your Teeth Like a Pirate Day”? You don’t need a treasure map to find the answers!

• High Seas Hygiene

The toothbrush as we know it, with easy to clean nylon bristles, was invented less than 100 years ago. Even toothbrushes with animal bristles weren’t easily available until a century after pirates sailed the seas. If pirates brushed at all, they probably used rags or twigs with frayed ends to clean their teeth. And rags and twigs just can’t take care of plaque the way careful brushing and flossing can.

Two minutes brushing in the morning and two minutes at night, with careful flossing each day, will help keep your teeth as white as a chest of pearls—and healthy to boot!

• Dastardly Diet

Pirates were a scurvy lot—literally. Scurvy is a disease caused by a lack of vitamin C, a vitamin found in fresh fruits and vegetables. One of the many unpleasant symptoms of scurvy is bleeding, swollen gums. As you can imagine, months at sea on a pirate ship provided very few chances for fresh fruit and vegetables. As a result, sailors often had to live with gum pain and even tooth loss from serious gum disease.

We now know that eating a healthy diet is a key to oral health. In fact, it was a British naval doctor who discovered that bringing oranges, lemons, and limes aboard sailing vessels prevented scurvy—but sadly for our pirate crew, this discovery happened several decades after the Golden Age of Piracy. Fortunately, you have access to a bounty of fresh fruit and vegetables. Eat a diet rich in vitamins and minerals, and your teeth and gums will be all the better for it.

It’s not looking too good for our pirate crew, but let’s look on the bright side—even if a pirate did get a cavity or suffer gum disease, he could always see the ship’s dentist, couldn’t he?

• Ship’s Dentist—Arrrr You Kidding?

If a pirate had a bad cavity, his best treatment option would probably be to ask a fellow pirate to pull the tooth. If a pirate needed a root canal, his best treatment option would probably be to ask a fellow pirate to pull the tooth. If a pirate had a cracked tooth, his best… well, you get the picture.

Luckily, it’s a different world today. Now we have dentists with years of education and training, modern tools and equipment, and the very best medical knowledge to treat all of our dental problems, big and small. See your dentist at least twice a year for exams and cleanings, and you will reap the bountiful rewards of regular, professional, proactive care.

Being a pirate for a day is fun. We all enjoy tales of a good treasure hunt. But you already have a treasure that most pirates could never hope to have—healthy teeth and healthy gums! And with proper care, this treasure can last a lifetime. Until next September 19^th, fair winds and good checkups at our Kearney, Overton or Gibbon office be yours, matey!