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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. Jerry Martin 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 Jerry Martin, DDS. 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. Jerry Martin, 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. Jerry Martin 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. Jerry Martin 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 Granite Bay office.

On the last Wednesday in September, we celebrate “Women’s Health and Fitness Day.” Because your oral health plays such a large role in your general health and well-being, let’s look at a few of the ways you can treat yourself with the care you need and deserve at different stages of your life.

Puberty 

Puberty begins around the ages of 8 to 13, and typically lasts from 2-5 years. During this time, our bodies begin to produce the hormones estrogen and progesterone, which affect not just the reproductive organs, but our brains, hearts, skin, hair, bones, and more. These hormones can also affect our oral health.

• Gingivitis

Hormonal fluctuations make gum tissue more sensitive to irritants like plaque and bacteria. You might find that your gums are swollen, tender, red, or bleed easily. 

What you can do:

Keeping up with your dental hygiene is the best defense against gingivitis. Even if your gums feel a bit tender, it’s important to keep up with your brushing and flossing because proactive dental hygiene can reverse gingivitis before the condition becomes more serious. If symptoms persist, a visit to the dentist is in order.

Menstruation

• Menstruation gingivitis

Elevated hormone levels can also cause gingivitis during the menstrual cycle, usually beginning a few days before the start of your period and ending soon after your period begins. Some women also experience canker sores and swollen salivary glands during this window.

What you can do:

Be mindful of any oral changes during your menstrual cycle. Pay special attention to dental hygiene, and, if you develop canker sores, talk to your dentist or doctor about the best way to care for yourself while they heal.

Pregnancy

Pregnancy brings about many physical changes, including potential changes in your oral health.

• Pregnancy Gingivitis

Pregnancy hormones cause an increase in the blood supply to your gums while at the same time making them more vulnerable to irritation from bacteria and plaque. You may find that your gums are redder, more swollen, and more likely to bleed when brushing. 

• Loose Teeth

During pregnancy, increased hormone production helps relax and loosen ligaments and joints in preparation for birth. Teeth are held in place by ligaments, and you might be alarmed to discover your teeth are looser as well. Typically, this situation resolves when the baby is born.

• Pregnancy Granulomas

Some pregnant women may also experience pregnancy granulomas. These dark red swellings are benign tumors which appear along the gumline. These generally shrink on their own, but, if a granuloma is causing you pain or discomfort, your dentist can remove it surgically.

What you can do:

Let your dental team at Jerry Martin, DDS know right away when you learn that you’re pregnant. You’ll get helpful advice about brushing and flossing techniques, pregnancy-related oral conditions to look out for, when to schedule dental treatment and cleanings, a tooth-healthy diet, and more.

Menopause and Later Years

As we age, there’s an increased risk of oral health issues.

• Osteoporosis

Osteoporosis causes loss of density in the bones—including the bones and bone tissue which hold our teeth in place. Studies indicate that women with osteoporosis suffer significantly higher tooth loss than women who don’t have the disease.

• Dry Mouth

Saliva helps protect the teeth from cavities by washing away bacteria and food particles and by neutralizing acids in the mouth. Reduced estrogen production, medications, and medical conditions such as diabetes can all cause dry mouth. 

• Gum Disease

About 2/3 of older Americans have gum disease, which is one of the leading causes of tooth loss in adults. Lower hormone levels have been linked to increases in periodontal diseases.

• Oral Cancer

Oral cancer is more common as we age, and, while men are affected almost three times as often as women, we should be aware of the common symptoms of oral cancer, including a sore in the mouth which doesn’t heal, a lump or thickening in the mouth, red or white patches on the tongue, gums, and other oral tissues, loose teeth, or persistent earaches or discomfort when eating or swallowing.

What you can do:

Visit your dentist and doctor for preventative care and whenever you are concerned about your oral health! Whether it’s helping you prevent osteoporosis and dry mouth or discovering dental and medical conditions early, when they are more likely to be treated successfully, regular visits to your dentist and doctor can help ensure that you have years of happy smiles ahead. 

Missed the date this year? No worries! Women’s Health and Fitness Day is one day in September, but every day in the calendar is a good day to think about your oral health. Partner with Dr. Jerry Martin and your doctor to help make your healthy smile something to celebrate all year long! Make an appointment with Jerry Martin, DDS in Granite Bay today!

At Jerry Martin, DDS, we know your dental health is closely connected to your overall health. We also know that the mouth can oftentimes be the first place to show signs of other bodily health issues.

Studies have shown possible links between periodontal (gum) disease and heart disease, and researchers have found that people with gum disease have an elevated risk of suffering from a stroke or developing coronary artery disease. Believe it or not, an estimated 70 to 80 percent of North American adults currently have some form of gum disease.

Gum disease, which affects the tissues that surround and support the teeth, is an infection caused by a sticky film of bacteria called plaque that forms on the teeth, mainly along the gum line. In its early stages, called gingivitis, gum disease can be treated by Dr. Jerry Martin and often reversed.

To help keep your mouth and heart healthy, we’ve provided following tips to help prevent problems before they arise:

• Brush your teeth with fluoride toothpaste at least twice a day. Make sure you brush gently beneath the gum line around each tooth.
• Floss at least once a day.
• Have a dental checkup and cleaning twice a year, or as recommended.
• Eat a healthy diet. This includes avoiding foods with a high concentration of sugars or starches and consuming more fruits and vegetables.
• Avoid tobacco and copious levels of alcohol. If you smoke, quit. And remember, heavy drinking dramatically increases the risk of developing mouth and throat cancer.

Don’t put off your next visit to Jerry Martin, DDS any longer! If it has been a while since your last visit to our Granite Bay office, please give us a call!

According to the American Association of Pediatric Density, roughly one in five children suffers from canker sores. Canker sores are small sores that appear inside the cheeks, on the lips, on the surface of the gums, and under the tongue.

Even though, canker sores are not contagious, they do tend to run in families. There are several reasons your child may be suffering from canker sores including:

• Children who have Vitamin B12, iron, and folic acid deficiencies tend to get canker sores more often than children who have normal levels of these vitamins and minerals.
• Children who suffer from food allergies are also at a higher risk for developing canker sores. It’s difficult to determine what your child may be allergic to. If you feel strongly that the canker sores are related to an allergy, then a visit to an allergist is highly recommended.
• Biting their lip or cheek can also result in a canker sore.
• Any injury to mouth, where the skin breaks can cause a canker sore.
• Brushing their teeth too hard can also be a problem.
• Your child may be sensitive to an ingredient in their toothpaste. Try switching toothpastes and see if it makes a difference.
• Emotional disturbances and stress are also factors to consider.

If your child has frequent canker sores a visit to our Granite Bay office will be beneficial. Canker sores are painful and usually last about 14 days. Dr. Jerry Martin may recommend one or a few of the following treatment options:

• Avoid food that is acidic, salty, and spicy.
• A toothbrush with soft bristles may be helpful.
• Avoid mouthwash and toothpaste that contain SLS.
• Do not feed your child foods that they may be allergic to.

Canker Sore Remedies

• Eating yogurt that contains Acidophilus will relieve the pain and help the canker sore heal faster.
• Put one teaspoon of baking soda in an eight-ounce glass of lukewarm water. Have your child gargle and swish it around his or her mouth several times a day. Not only does this remedy relieve the pain, the canker sore could be gone in as little as 24 hours.
• Place a wet tea bag on the sore and hold it there for a few minutes several times a day. This remedy will help with the pain and quickly heal the sore.
• Camphor, Benzocaine, Lidocaine, and Orajel are over-the-counter medications that can help.

If you have questions about your child’s canker sore, contact Dr. Jerry Martin to schedule an appointment.