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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. Joel Hartjes and Dr. Jon Szewczyk 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 Hartstone Dental. 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. Joel Hartjes and Dr. Jon Szewczyk, 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. Joel Hartjes and Dr. Jon Szewczyk 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. Joel Hartjes and Dr. Jon Szewczyk 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 Middleton, WI office.

Molars are made up of canyons, caves, pits, and seemingly endless caverns that are a breeding ground for decay. The protective solution is a sealant. When done correctly, a sealant from Dr. Joel Hartjes and Dr. Jon Szewczyk of Hartstone Dental can be most effective in preventing cavities.

A sealant is made up of composite (a plastic-like) material that contains bonding agents to seal to the edge of the tooth. Sealants placed on the chewing surfaces of back teeth block food from being trapped. The process in which a sealant is placed is quite precise and painless.

First the tooth is cleaned with a sodium bicarbonate (baking soda) spray. Then an acid etch is applied to “roughen up” the surface. No saliva is to touch the tooth. This will re-mineralize the area, then a repeat etching is needed. An alcohol-based liquid then dries out the area and it must remain completely dry. The sealant is placed and guided through all the caverns, pits, fissures, and grooves. It is then cured with a special light, which makes it a hard, plastic-like material.

Sealants can last for several years. It is wise to have them examined on a semi-annual basis. If there is a break in the sealant, a high risk for decay is common. If a sealant is damaged, repair is simple, painless, and quick to complete.

Who can benefit from sealants? Anyone! Children often receive sealants as routine preventive care. Adults with deep canyons with stained grooves on their teeth can also benefit from a sealant. The process is quick, painless, and does not require any anesthesia. It is an effective way to lower dental restorative costs.

An investment in dental sealants can reap great benefits as properly cared for teeth will remain cavity free. Our Middleton, WI location is available to answer your questions so give us a call today!

So you might be wondering, just what are cavities? How do we get them? What do they do to our teeth? How can we prevent them? Let’s talk!

Our teeth need to be strong to bite and chew. That’s why they are protected by a coating called enamel, which is made up of very hard minerals. Enamel is the strongest part of our bodies—stronger even than our bones. But this doesn’t mean nothing can hurt it! And cavities, also called tooth decay, are one of the most common dangers facing our enamel.

So, what are cavities?

A cavity is a hole in your tooth enamel. If your tooth is not cleaned and repaired when a cavity is small, this hole can grow bigger until tooth decay reaches the inside of your tooth. Enamel doesn’t heal when it’s damaged, so you need to see a dentist to make your tooth healthy again.

How do we get cavities?

Bacteria are tiny little germs. Many kinds of bacteria live in our bodies, and some of them are quite helpful. The bacteria which cause cavities are not. These unhelpful bacteria join with our saliva and very small pieces of the food we’ve chewed to make a sticky film called plaque.

Like other living things, the bacteria in plaque need food. They get that food from the foods we eat, especially sugars and starches. As they eat, they change these sugars and starches into acids, and these acids attack the minerals which keep enamel hard and strong.

Because plaque sticks to our teeth, bacterial acids are able to make weak spots in enamel if the plaque isn’t brushed away. If you see a white spot on your tooth, that could mean that your enamel is losing minerals, and getting weaker.

What do cavities do to our teeth?

Over time, weak spots can grow bigger until there’s a hole in the enamel surface. If the cavity in your enamel is small, you might not notice it at first. But cavities can become wider and deeper, and even break through enamel to reach the inside of your tooth.

The inside of each tooth holds pulp, the part of your tooth which keeps it healthy. If tooth decay spreads to the pulp, it can cause more damage and infection, so it’s important to treat a cavity right away.

Dark spots on your enamel, a toothache, pain when you drink something hot or cold or when you bite down—these can be clues that you have a cavity, and you should visit us for an exam.

How can you prevent cavities?

Even better than treating a cavity is preventing one. Let’s make a list of some helpful do’s and don’ts for cavity prevention:

• Do: Feed yourself foods which are good for you.

Foods like milk and cheese and many dark green vegetables have lots of calcium and vitamin D to help keep your enamel strong.

• Don’t: Feed bacteria foods which are good for them.

Sugar and simple starches like potato chips are the kinds of foods bacteria like best, because they are easy to break down. This means more acids to attack your enamel.

This doesn’t mean you should never enjoy a treat! But eating lots of starchy snacks and drinking sugary sodas means more plaque, and more plaque can mean more cavities. If you’re eating something starchy or sweet, it’s a good idea to brush or rinse afterward.

• Do: Brush at least twice a day, for at least two minutes, with fluoride toothpaste.

This is the best way to get rid of plaque, which builds up every day. And fluoride toothpaste even helps make your enamel stronger.

• Don’t: Forget to floss.

Flossing takes a while to learn to do well, but it’s very important. Flossing helps prevent cavities between the teeth and near the gums.

• Do: Visit our Middleton, WI dental office for exams and cleanings.

Not only will we look for cavities, we’ll let you know the best way to brush and floss so you can get your teeth their cleanest.

• Don’t: Feel bad if you get a cavity!

Some people are more likely to get cavities than others, even when they brush just right and eat healthy foods. If you have a cavity, we can remove decay and repair your tooth with a filling.

And one last thing to do: talk to Dr. Joel Hartjes and Dr. Jon Szewczyk if you have any questions about the best ways to protect your teeth from cavities. We have lots of suggestions to help you take care of your healthy, beautiful smile!

It's almost game day and you're wondering what to put on the menu for your guests. Most snacks are typically highly processed and unhealthy. Why not mix it up this year and opt for some snacks that promote good oral health? Here are some of Dr. Joel Hartjes and Dr. Jon Szewczyk favorites!

• Apples, carrots, celery, and cucumbers: These foods and other crispy, fibrous, fruits and vegetables are an excellent choice for the big game. Not only are they rich in vitamins and minerals which your body and mouth need, they are also known as detergent foods because of the cleaning effect they have on the teeth and gums. Try apples wedges spread with peanut butter and sprinkled with cinnamon.
• Beans: Beans are filling because they are packed with fiber and that keeps you from opting for sugary or fatty snacks. Along with fruits and vegetables, beans should be one of the stars of your game-day snack lineup. How about some hearty chickpea hummus with cucumber chips?
• Nuts like almonds, walnuts, pistachios, and cashews: Nuts abound in the minerals that help keep your teeth and gums strong like calcium, magnesium, and potassium. Put out a bowl of raw or roasted nuts for your guests as a crunchy, satisfying alternative to chips or crackers. Recent research even shows that the polyunsaturated fatty acids in nuts may help prevent gum disease. But remember not to eat the whole bowl! Nuts are very high in calories and a little goes a long way. Enjoy and handful or two along with your other healthy snacks.
• Dark chocolate: This one may be hard to believe at first, but research shows chocolate can be great for your teeth and help prevent decay! Now don't run off and start stocking your pantry with a bunch of that super sweet stuff, because these benefits come mainly from the tannins, polyphenols, and flavonoids present in the cacao bean. Dark chocolate is the least processed variety of chocolate and the closest to the cacao bean, so make sure you purchase a variety that is listed as 70% cocoa or more for these benefits. Like with nuts, chocolate is easy to overdo — aim to eat two or three squares.