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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 Palatine Pediatric Dentistry. 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. Irwin Seidman, 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. Irwin Seidman 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 Palatine, IL office.

Valentine’s Day is best known as a celebration of love in all its forms. Pink hearts, red roses, and cute greeting cards adorn every surface you see. What many people don’t realize is that the modern Valentine’s Day celebration arose from a religious holiday.

St. Valentine’s Day was originally celebrated as a religious feast day in honor of early Christian martyrs. Three martyrs named Valentine were honored: a priest in Rome, the persecuted bishop of Interamna (a town in central Italy), and a saint martyred in Africa. This saint’s day was celebrated throughout Christendom, although it was removed from the Roman Catholic Calendar of Saints in 1969.

The origin of Valentine’s Day as a holiday for lovers began with Geoffrey Chaucer in his 1382 poem “Parlement of Foules.” Chaucer wrote, “For this was on Saint Valentine’s Day, when every bird cometh there to choose his mate,” and the modern romantic holiday was born. William Shakespeare and other writers mentioned Valentine’s Day as a day of love.

Valentine’s Day as we know it came about in the early 19th century. In Victorian England, printers began manufacturing small numbers of cards with romantic verses, lace, ribbons, and other frills. Anonymous Valentine’s Day card were a popular way for young lovers to exchange romantic sentiments in an otherwise prudish time. As the 19th century progressed, printers began mass manufacturing Valentine’s Day cards. People in the United States give an estimated 190 million valentines every year, and up to one billion if you count children exchanging cards at school! With the rise of the Internet, Valentine’s Day e-cards have become a popular mode of communication, with millions of e-cards sent each year.

The other items associated with Valentine’s Day include chocolate and flowers. The tradition of giving chocolates has been around for decades, and Richard Cadbury created the first box of Valentine’s Day chocolates nearly 150 years ago. Today, purchases of chocolate total over $1 billion in the United States alone, with 35 million heart-shaped boxes sold each year. Loved ones also exchange flowers, with red roses being associated with Aphrodite, the Greek goddess of love. On Valentine’s Day itself, florists sell nearly 200 million stems of roses.

Although many people dismiss Valentine’s Day as a commercialized “Hallmark holiday,” it is beloved to couples and romantics across the United States and other countries. The team at Palatine Pediatric Dentistry wants to remind all patients that no matter what your celebratory plans, February 14th can be a wonderful day to celebrate the loved ones in your life. Happy Valentine’s Day!

February is National Children’s Dental Health Month, and a perfect time for Dr. Irwin Seidman to review some of the important steps in keeping your child’s smile healthy!

Your Baby

Early care is best! Even before teeth appear, the American Dental Association recommends gently wiping your baby’s gums with a clean, moist gauze pad or washcloth after feeding. When his or her first tooth arrives, it’s time to schedule your child’s first visit. Our office will be happy to answer any questions you might have about brushing tools and techniques. This is also an opportunity to check not only tooth health, but jaw and teeth development. Check your baby’s teeth regularly, and call us if you have any concerns.

Your Preschooler

By the time children are three, they will probably have all or most of their baby teeth. Brushing your child’s teeth twice a day with a soft-bristled, child-sized brush is a great model for when your child begins brushing on his or her own. And when teeth begin to touch, flossing your child’s teeth is recommended once a day as well.  Remember to schedule regular checkups at our Palatine, IL office, and help make your toddler’s visit positive by reading books or watching videos about visiting the dentist, using playtime to practice things that might happen in the dentist’s chair (such as opening his or her mouth to count teeth), and planning visits during times your child is well-rested.

Your School-Age Child

Your child might be ready to take on brushing and flossing while you supervise, and there are many ways you can encourage both reluctant and enthusiastic brushers! The ADA recommends two minutes of careful brushing twice a day, or as directed by your dentist or physician. You can use these four important minutes to tell your child stories, listen to music, or brush together. Your child can help choose his or her toothbrush and toothpaste, or earn stickers for a brushing job well done. Stick to a routine for best results, and schedule regular checkups and cleanings to protect your child’s overall dental health. This is also an important age to check bite alignment, any potential orthodontic issues, and the possibility of sealants.

February might be the shortest month, but it’s a great time to consider your child’s life-long smile. If you have any questions or concerns, the team at our Palatine, IL office is always happy to discuss them with you—any time of year!

According to the American Academy of Pediatric Dentistry, checkups at Palatine Pediatric Dentistry are recommended for all children two times a year. Children should be evaluated for cavities and other emerging dental issues every six months, because these problems can lead to more serious dental problems and health issues if left untreated.

While it is always good to follow the official guideline mentioned above, it is also important to understand that each child is unique and his or her dental needs are equally unique. If your child shows signs of dental or orthodontic problems, Dr. Irwin Seidman might recommend more frequent visits.

One way to help your son or daughter maintain good oral health between pediatric dental visits is to monitor brushing and oral care habits, especially if the child is still very young. Children who are two to five years of age will usually still require at least some degree of monitoring during their dental care routine.

The Checkup Visit

During your child’s regular dental care checkups, Dr. Irwin Seidman will evaluate the current state of oral health and will be able to recognize any issues. The twice-yearly checkup visits are typically the time at which problems like cavities, irregular growth patterns of the teeth, and oral decay are discovered. Thus, making these appointments for your child, and following through with them, is extremely important.

Learning and Maintaining Good Oral Health

Dr. Irwin Seidman and our Palatine, IL staff are your partners in terms of your child’s health care. Even when your child is an infant and a toddler, good brushing and other oral care habits can be taught. We will help you to educate your child about how to care for teeth in the most effective way, and you can carry those lessons home and help your child to follow them for the ultimate in oral health.