Our Blog

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 Rector Pediatric Dental. 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. Jason Rector, 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. Jason Rector 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 Ocean Springs office.

Your infant’s first teeth will begin to appear around six to 12 months of age. You might wonder how important these primary teeth really are. After all, baby teeth are destined to fall out within a few years and be replaced by a full set of permanent teeth. However, baby teeth have important functions, and proper care can set the stage for excellent oral and overall health.

Promote Better Nutrition

The appearance of your baby’s primary teeth around six to 12 months of age coincides with changes in your infant’s nutritional needs. Beginning at six months, exclusive breastfeeding is no longer nutritionally sufficient; this is the age at which you should introduce solid foods.

At six to eight months, when your baby can start to chew, strained or pureed fruits and vegetables are appropriate. As your little one’s teeth grow in and chewing abilities progress through 12 months of age, you can gradually add cereal, bread, cooked meats, and other adult foods to his or her nutritious diet.

Increase the Life Expectancy of Baby Teeth

Although baby teeth are inevitably going to fall out and be replaced by permanent ones, making baby teeth last serves an important role that can have benefits into the future. Baby teeth serve as placeholders for permanent teeth. If they decay and fall out too soon, permanent teeth are more likely to grow in crooked.

How to Take Care of Baby Teeth

Your baby’s primary teeth are already in his or her mouth at birth; they are just invisible because they have not broken through the gums. Since they are already present, your baby can get cavities if you do not practice proper oral hygiene from the beginning.

• Do not let your baby fall asleep with a bottle in his or her mouth.
• Brush your child’s baby teeth twice a day as soon as they come in.
• Floss your child’s teeth as soon as he or she has two teeth that touch.
• Visit Rector Pediatric Dental for your baby’s first checkup when the first tooth arrives.

When a child is born, he or she will have 20 primary teeth and 32 permanent teeth. But sometimes kids are born with additional teeth, and our team at Rector Pediatric Dental calls this oral condition "hyperdontia." Primary teeth are the first set of teeth that erupt in your child's mouth, typically by the time they are 36 months old, and are shed by the time your child reaches the age of 12. Permanent teeth then take the place of the primary teeth and are usually fully-erupted by the time your son or daughter reaches 21 years of age. Anyone who develops more than 20 primary teeth or more than 32 permanent teeth has hyperdontia, and the additional teeth are referred to as supernumerary teeth.

While the cause of hyperdontia is not entirely clear, it is believed that there may be a genetic factor. Oral professionals have found that patients with extra teeth often have syndromes like cleidocranial dysplasia, Ehler-Danlos syndrome, Gardner syndrome, or cleft lip and palate. The prevalence of hyperdontia affects between one and four percent of the population in the United States, and the majority of cases are limited to a single tooth.

So, what is the best way to deal with hyperdontia? It really depends on the case. The treatment plan your doctor suggests varies according to the potential problem posed by the supernumerary teeth, as well as their type. Orthodontic treatment may certainly may help, but extraction can also be a good option. We recommend that children receive an oral evaluation or checkup no later than the age of seven. In addition to hygiene evaluation, this helps ensure your child does not experience hyperdontia problems.

If you suspect you or your child may be suffering from hyperdontia, please give us a call to schedule an appointment at our convenient Ocean Springs office to be evaluated.

First aid training is a must when you are a parent. You can put on a bandage with your eyes closed. Perhaps even apply butterfly tape to avoid stitches. What about a dental injury? Do you have a checklist in mind on what to do when a tooth is knocked out, broken, or displaced from impact? All of these situations happen often and should be in a parent’s emergency training regiment. Luckily Dr. Jason Rector and our team are here to be a resource for such an incident!

Children’s most common dental injury is chipping a front tooth. It is so common that it seems like a right of passage. Say, for example, a two year old trips and hits her front teeth on the tile floor. First, check to see if the teeth have been broken to the nerve. You can tell if you see layers and a pinkish center. Then, wiggle each tooth and make sure it is not loose. If the teeth feel firmly in place, that is a good sign. Even if they are a little loose, the teeth will tighten again with time. If she develops a severe temperature or bite sensitivity then you know treatment is needed, which may include a root canal. If there are minor symptoms that diminish with time, continued observation will be fine.

Knocking out a tooth is also common and requires more attention than observation alone. As soon as possible, locate the tooth, touch only the crown (not the root), and rinse any debris gently with milk or water. Place it back into the tooth socket as soon as possible. The American Association of Endodontists states a tooth has a high chance of survival and retention for life if it is re-implanted within five minutes or up to 60 minutes if soaking in milk or saline solution. Our team at Rector Pediatric Dental know many parents are nervous about the thought of doing this alone, but not to worry, our team is here to help!

Here’s another dental emergency example: Your child takes an elbow to the mouth during a basketball game and severely displaces a tooth but does not knock it out. What to do? First, apply light pressure in an attempt to move it back into place. Be extremely careful not to use excessive force. Place a cold pack for swelling and contact our office as soon as possible.

A dental emergency can be frightening. It is often messy and painful. The best initial reaction is to remain calm, and remember that we are here to help! Contact us at our Ocean Springs office if your child encounters a dental emergency.