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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 care at Cataraqui Dental Centre. 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. Cosman, Dr. McDonough, Dr. Levac and Dr. Korcok, 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. Cosman, Dr. McDonough, Dr. Levac and Dr. Korcok 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 Kingston, ON office.

It’s peak cold and flu season, a time to be especially conscious about your health. We have some suggestions to help you navigate this contagious time of year, with bonus tips for a healthy smile.

• Wash Up! 

Bacteria and viruses can live for hours and even days on non-porous surfaces like doorknobs, phones, and keyboards. That’s why it’s so important to wash your hands before touching your mouth, nose, and eyes, before brushing and flossing, and before you cook or eat. Washing with plain soap and water will eliminate most germs.

Bonus Tip: Keeping your fingers away from your mouth does more than prevent the transmission of bacteria and viruses. Fingernail biting can damage enamel. Prolonged thumb or finger sucking can affect tooth and jaw alignment. Delicate gum tissue can be injured or infected by broken or dirty fingernails. If you’d like to break harmful oral habits, talk to Dr. Cosman, Dr. McDonough, Dr. Levac and Dr. Korcok for suggestions.

• Stay Hydrated

Hydration supports healthy skin, helps regulate blood pressure and body temperature, and is vital for digestion and other bodily functions. Proper hydration is also important for a healthy immune system and healthy mucous membranes, which will help you fight off colds and flu. Talk to your doctor about your ideal amount of daily hydration, whether from water, other fluids, or water-rich foods.

Bonus Tip: We also need to be hydrated to produce healthy levels of saliva. Saliva washes away food particles and bacteria and helps neutralize enamel-eroding acidity in the mouth.

• Eat Healthy Foods

A healthy diet is crucial for a healthy immune system, with foods such as lean proteins, fruits, vegetables, whole grains, and low-fat dairy products.

Bonus Tip: A balanced diet is good for your oral health, too! We need vitamins A and C for healthy gums and oral tissues, minerals like calcium and phosphorus to keep tooth enamel strong, and dairy products enriched with vitamin D, which enables our bodies to absorb the calcium we get in our diet.

What happens if you become ill despite your precautions? 

• Reduce the Chance of Infecting Others

If you’re ill, you can help stop the spread of germs by limiting contact with other people, covering your mouth and nose when you cough or sneeze, washing your hands frequently, and cleaning the common surfaces in your house which harbor germs. 

Bonus Tip: Sharing isn’t caring when it comes to colds and flu. No matter how close you are to your family members or roommates, your toothbrushes shouldn’t be close at all. Let your brush air-dry in an upright position away from other brushes to avoid contamination. 

• Be Choosy about OTC Medications

If you take sugary cough or cold medications, brush or rinse afterward. Sugar-free cough drops are better for your teeth than sweet lozenges which bathe your enamel in sugar as you let them dissolve. 

Bonus Tip: Don’t bite into cough drops! You risk chipping or cracking a tooth.

• Keep Up with Healthy Habits

Be sure to keep hydrated, especially if you’ve been suffering from vomiting or diarrhea. Get the sleep you need to recover. Eat a well-balanced diet.

Bonus Tip: Stay on top of your dental hygiene and brush and floss as usual, with one caution. Vomiting brings up harsh stomach acids which weaken the mineral bonds keeping tooth enamel strong, so brushing right away can be abrasive. If you throw up, rinse your mouth with water and wait 30 minutes before brushing to allow your enamel to come back to full strength.

• Stay Home When You’re Sick

You’ll get better faster with proper care, which includes getting the rest you need to recover. And you won’t be sharing germs with the people around you.

Bonus Tip: If you have an appointment scheduled with your dentist, reschedule if necessary. Your dental team at Cataraqui Dental Centre will be happy to accommodate you to prevent the spread of germs and to make your dental procedure a more comfortable one.

It’s the height of cold and flu season in Kingston, ON, but you’re not alone! Talk to your doctor about immunizations and other preventative measures. If you do become ill, follow your physician’s recommendations. And if you have any dental concerns, your dental team is prepared with timely advice—at any time of year.

While you make sure your family is getting the best care possible, with regular dental checkups and cleanings at our Kingston, ON office, there is one family member that might be hiding under the bed when it’s time for tooth care. Periodontal disease is the most common clinical condition affecting adult cats—and it is completely preventable!

Periodontal disease starts when the bacteria in your pet’s mouth form plaque. The plaque can harden into tartar, and, if plaque and tartar spread under the gum line, can be responsible for a number of serious problems. Tooth loss, tissue damage, bone loss, and infection can be the result of periodontal disease. Professional dental treatment is important if your cat is suffering from periodontal disease, and your vet can describe the options available to you.

But, like with humans, prevention is the best way to assure these problems never develop, and there are several methods for avoiding plaque and tartar build-up.

Brushing: Yes, there are toothbrushes and toothpastes specifically designed for your cat! If a toothbrush is not working for you or your pet, there are cat-sized finger brushes available as well. Daily brushing is most effective, but try for at least several times each week. The process of introducing brushing should be a slow and gentle one, and seafood and poultry flavored pastes make the process more palatable. (Human toothpaste is not good for your cat due to its abrasiveness, and swallowing the foam might pose a danger to your pet.)

Anti-plaque rinses and gels: If despite your gentle persistence your cat simply will not cooperate with brushing, there are other options! Rinses and gels containing Chlorhexidine are effective and do not usually pose a problem for pets—although they might not take to the flavor. Rinses can be squirted inside each cheek or gels can be applied to the teeth with a toothbrush or finger brush. Talk to your vet to find the safest and most effective products.

Diet: Whether they use a particular shape and texture to simulate brushing or an anti-tartar ingredient, several pet foods claim to reduce the accumulation of plaque and tartar. Your vet is the best resource for nutritional suggestions to make sure your cat’s dental and physical diet is as healthy as it can be.

Whether you try brushing, rinses, gels or a tooth-friendly diet, patience and a gentle touch are the best way to introduce dental hygiene. Talk to your vet at your cat’s next checkup, and find out what you can do to keep your feline friend healthy and happy. An ounce of prevention might be worth a pound of purr!

If the scariest part of Halloween in Kingston, ON is trying to figure out which treats are braces-friendly and which treats are braces-frightful, we have a fiendishly simple suggestion to help keep your brackets and wires safe from harm: ghost any treats which are chewy, crunchy, hard, or sticky!

It’s no mystery how certain candies and treats can cause trouble for your braces. The pulling effect of chewy candies like caramels can pull a bracket right off your tooth. Biting into a hard candy can break a wire. Crunchy treats can get stuck under wires and damage braces. Sticky foods pull on your wires and brackets.

Broken braces are no fun. Loose or detached brackets can be uncomfortable. Bent or broken wires can cause sores and cuts inside your mouth. Damaged braces mean extra trips to the orthodontist for repairs, and can even delay your treatment if the damage is significant or you can’t see your orthodontist right away. 

And chewy, crunchy, hard, and sticky treats have a haunting effect on your dental health as well. These foods stick to brackets and wires and can be difficult to brush or floss away. Cavity-causing bacteria feast on the sugars and food particles left behind, putting you at greater risk for cavities.

So, what specific treats should *vanish* from your candy collection this Halloween? Here are some of the most damaging to braces: 

• Chewy caramels, taffy, fruit chews, gum, and licorice
• Crunchy candied apples, caramel popcorn, peanut brittle, nuts, and popcorn balls 
• Hard and hard-shelled candies, lollipops (especially with gum centers), and jawbreakers
• Sticky gummies, jellybeans, and candy corn

But it’s not all frightful news! There are many spook-tacularly good treats which you can enjoy without putting your braces in jeopardy:

• Peanut butter cups
• Soft chocolate bars (with no nuts or caramel hiding inside!)
• Soft cupcakes
• Pudding cups
• Mint patties
• Ice cream
• Sugar-free gum (if it’s okay with Dr. Cosman, Dr. McDonough, Dr. Levac and Dr. Korcok and your orthodontist)

And here are a few good tricks for keeping your teeth and gums healthy, whether or not you wear braces:

• Brush and floss after treats. 
• Enjoy sweets in moderation. 
• Skip the sour candies. Acidic foods can damage tooth enamel.
• Eat treats with a meal. Eating increases saliva production, which helps neutralize acids and wash away food particles.

Don’t let a damaged bracket or wire spoil your Halloween fun. Talk to the team at Cataraqui Dental Centre to learn which candies are a treat for both you and your braces and you’ll stay on the fast track to a boo-tiful, healthy smile!