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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 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.

Grind, grind, grind… if your little one happens to be a teeth grinder, you may be familiar with this unpleasant sound. Teeth grinding, or what Dr. Jason Rector and our team at Rector Pediatric Dental also call bruxism, is common in children. In fact, three out of ten kids grind or clench their teeth, usually in response to stress, jaw growth, malocclusion, losing teeth, or other discomforts, such as allergies. Kids typically outgrow teeth grinding by the time they reach their teenage years.

Many kids who grind their teeth in their sleep have no idea they’re doing it. In fact, when they wake up in the morning they feel no jaw, facial, neck, or shoulder pain. In most cases, if it hadn’t been for a parent or sibling telling them about it, the teeth grinding would have gone unnoticed.

There are children, however, who wake up with jaw pain, shoulder pain, neck pain, and headaches. Teeth grinding can cause a host of dental complications, from cracked teeth and receding gums to a misaligned jaw. Dr. Jason Rector will tell you that teeth grinding is not something to take lightly. Teeth grinding can have serious consequences that, if left untreated, can lead to tooth fractures and damage to the temporomandibular joint, also known as TMJ.

The first step in helping your child recover from teeth grinding is noticing and diagnosing the problem. Symptoms of teeth grinding typically include:

• Grinding noises when your child is sleeping
• Complaints of tightness or pain in the jaw
• Complaints of headaches, earaches, or facial pain
• Complaints of pain when chewing
• Tooth sensitivity
• Chipped, worn down, or loose teeth

If you suspect your child is a teeth grinder, Dr. Jason Rector and our team will be able to help. Please give us a call at our convenient Ocean Springs office! We look forward to treating your child!

It’s no secret that kids and adults have different priorities: your duty is to raise a happy, healthy child, but your little one’s only priority may be to have fun. When it comes to brushing teeth, it can be hard to combine a healthy habit with having fun. You might fear it can’t be done, but with a little creativity, brushing time can be a great experience for both of you!

Make It a Party

Brushing time doesn’t have to be a chore when you throw a little party! Get Mom and Dad together so the whole family can brush their teeth at the same time.

Let your child choose a song to dance to while you all brush for the required two minutes. Your son or daughter may grow to love this silly routine, especially when the parents are clearly dedicated to brushing their own teeth as well.

Big Kid Decisions

Kids love the responsibility of making “big kid” decisions. Keep a variety of toothbrushes, colors of floss, and toothpaste flavors on hand so they can choose something “new” each time they brush, just like when they visit our Ocean Springs office.

Not only can this help them grow more comfortable with the idea of seeing the dentist, but they’ll love having the responsibility of picking what would be fun at brush time.

Practice Makes Perfect

It’s true that the only way to get better at something is to practice, practice, and practice. Have your child practice brushing on his or her favorite stuffed animal, and use that opportunity to teach your youngster how to hold the brush and use circular cleaning motions. Showing how you brush your own teeth can also be worthwhile.

There’s An App For That

Did you know there are lots of fun apps that encourage good brushing habits among children? Brands like Oral-B and Aquafresh have free apps you can download on your phone.

The child gets to select a character, scenery, and a song he or she would love to accompany the task of brushing. If you have a daughter, she might like to use the Tooth Fairy Timer, which allows her to pick her very own fairy as her brushing buddy.

The important things to remember when you seek to establish good brushing habits is to keep it fun and stay consistent with your routine. It may take some getting used to, but after a while your child will become familiar with brushing and might even look forward to the new dental routine.

Kids today are more tech-savvy than ever before. Even young children use computers, tablets and smart phones to make learning about their world more accessible and more enjoyable. And with the enormous variety of apps geared to childhood education, it comes as no surprise that you can download an app to encourage your children to learn about—and celebrate—their dental health.

What kinds of apps are available for your child?

Happy Brushing!

Children’s apps can offer helpful advice for learning effective brushing and flossing habits that will last a lifetime. Some of the apps for young brushers include:

• Age appropriate instructions for proper brushing technique
• Two minutes of carefully chosen songs or stories to keep them brushing the recommended amount of time in an entertaining way
• Reminders to replace those little toothbrushes—every three months, please!
• Educational games and stories to teach effective dental habits and tooth-healthy food choices.

The best apps not only provide lots of important information for keeping young teeth and gums their healthiest, but make learning fun with rewards such as badges, stars, games, or simply plenty of positive encouragement.

Time for the Tooth Fairy to Appear?

Losing a tooth is an important event for many young children. If you’re a fan of the Tooth Fairy, there are apps that can provide some reassuring fun while your child waits for that first loose tooth to finally come out. Tooth Fairy apps offer a wide variety of activities, including:

• Tooth Fairy voicemails to report a loose or lost tooth
• Tooth Fairy diaries to record lost teeth—and save photos of the adorable smiles that result
• A video of an animated Tooth Fairy fluttering around your child’s pillow on the big night
• A Tooth Fairy alert for forgetful Tooth Fairy assistants.

Apply the Latest in Brushing Technology

If you’ve decided that an electric toothbrush is the best brush for your child, many of the products available today come with their own apps. What can these apps do?

• Let children know if they’ve brushed long enough
• Alert them when they’re brushing too hard, which is not good for young gums and enamel
• Some apps even provide a map of the mouth and teeth that lets children know just where they’ve brushed, in case they tend to neglect a few spots regularly.

Keep Those Appointments

Dr. Jason Rector and our team are here to help keep your child’s teeth healthy. Regular examinations and professional cleanings at our Ocean Springs office not only make sure problems are caught before they become serious, they can help prevent problems from developing in the first place.

There are many apps out there that are designed to help you keep your child’s dental care on track with appointment reminders. This sounds pretty basic, but when kids have school, sports, lessons, and activities filling their days, it doesn’t hurt to get a timely reminder that Dr. Jason Rector should be seeing someone in your family for an appointment or checkup and a cleaning in the near future.

Dentist Approved

When looking for a dental app for children, there are lots of options. The best apps provide age-appropriate educational tips for keeping young smiles healthy, and present them in a way that engages your child’s imagination and provides positive reinforcement.

If you think an app might make dental care not only more efficient, but more enjoyable for your child, talk to Dr. Jason Rector! We might have some suggestions that will be just right for your family.