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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. Kozica 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 Kozica 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. Kozica, 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. Kozica 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. Kozica 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 Worcester office.

Without regular brushing and flossing, bacteria can grow and cause decay that erodes the tooth enamel and leads to a cavity. While cavities often go unnoticed, sometimes symptoms indicate that it's time for a trip to the dentist for a filling or root canal. Without treatment, tooth decay can progress from a cavity to gum disease, infection, and other health problems. Be aware of these common signs of a cavity that needs dental attention.

Tooth Pain

A toothache is most commonly caused by a cavity, although injury and infection can also lead to tooth pain. When a cavity develops deep in the pulp in the center of the tooth, inflammation results in the characteristic ache. Even if your tooth doesn't hurt all the time, you might experience pain or sensitivity with pressure, cold, sweet, or hot sensations. Sharp pain when you bite down often results from a cavity that has progressed into the tooth pulp.

Noticeable Damage

When a cavity progresses, you may see a small hole in the tooth enamel. This usually starts as an area of off-white discoloration that becomes brown or black and can be mistaken for a stain from coffee or tobacco.

Halitosis

Do you feel like you have a bad taste in your mouth even right after brushing, flossing, or using mouthwash? If you have one or more cavities, the resulting bacteria can cause bad breath or an unpleasant taste.

Even though these symptoms often signify a cavity, you shouldn't wait until you experience these signs to visit your dentist. Proper dental care, including a cleaning and check-up every six months, can help prevent cavities that put your teeth and gums at risk for health problems. Without treatment, a cavity can lead to an abscess, gum disease, broken or damaged teeth, tooth loss, trouble eating and chewing, nutrition problems, and shifting that puts other teeth at risk.

If you need a dentist in the Worcester area, reach out to the team at Kozica Dental. Even if you haven't visited a dentist in a while, we're here to provide gentle, nonjudgmental care for your oral health. Call (508) 755-0751 to schedule an appointment for cavity care or a regular check-up.

Many people suffer through headaches for years without getting to the root cause of their problem. If you find yourself constantly popping painkillers to get through the day, it might be worth a trip to see a medical professional – but it may not be the person you think.

Talking to Dr. Kozica can be a great start when dealing with chronic headaches, because dental issues frequently contribute to head pain. In fact, the American Academy of Craniofacial Pain estimates that 80% of headaches are caused by muscle tension, which often originates in the jaws.

What Do Tension Headaches Feel Like?

A tension headache can originate on one side of your head or can pervade your entire skull. Typically, tension headaches feel like a dull, throbbing ache inside your head. Some patients at our Worcester office report that they feel as though a metal band has been wrapped around their head and is causing significant pressure. Several common symptoms suggest that tension headaches may be caused by dental issues:

1. Feeling as though your head or scalp is painful to the merest touch
2. Experiencing a dull or throbbing pain behind the eyes
3. Clicking or popping sounds in your jaw joints
4. Grinding teeth or clenching the jaws, particularly in times of anxiety or during the night
5. Feeling as though your jaw muscles are sore when you wake up from sleep

Dental Origins of Headaches

Several dozen muscles control your facial expressions, jaw movements, and motions such as swallowing. When these muscles are contracted for long periods of time, tension builds up within the muscle and can lead to headaches. This may happen if you clench or grind your teeth at night, your bite is misaligned, or you have muscle imbalances in the jaw or neck.

Dental Treatments for Tension Headaches

Fortunately, a trip to Kozica Dental can be a fruitful way to alleviate your headaches, including the following treatments:

1. Bite. In many cases, correcting your bite through orthodontics releases the stress on your jaw and muscles, and reduces the frequency of headaches.
2. Nightguard. A nightguard, which resembles a sports mouthguard, may also be helpful if you frequently grind your teeth or clench your jaws during sleep. Nightguards distribute the tension from your clenched jaws and reduce the possibility of dental damage.
3. Physical therapy and relaxation. Correcting the posture of your shoulders, neck, and head may alleviate muscle tension associated with headaches.

Despite the extraordinary claims made for charcoal toothpaste, most dentists think that the accuracy of these claims is a very gray area. So, what is the theory behind using activated charcoal in your toothpaste?

Charcoal is in its natural form is a very porous substance. When mixed with oxidizing gases or chemicals at very high heat, the inner structure of charcoal becomes even more porous. This enables the “activated” charcoal to absorb chemicals. And activated charcoal, in fact, IS used as a treatment for certain poisons. Fans of charcoal toothpaste maintain that this same porosity enables the toothpaste to collect toxins, bacteria, and debris from the surface of your teeth, leading to a healthier mouth, fresher breath, and a whiter smile.

Sounds great! Should I buy some?

Maybe not quite yet.

• Claims that charcoal toothpastes whiten teeth more than other over the counter whiteners are difficult to prove. But even using the best charcoal product, you are getting a superficial cleaning. Because charcoal toothpaste removes stains only from the surface of the enamel, it is no match for a professional whitening.
• It’s abrasive. Harsh pastes and brushing could potentially cause thinner enamel. Thinning enamel reveals more of the darker dentin underneath, which can actually make your smile appear yellow. Abrasive pastes can be irritating for those with sensitive or compromised gum tissue. Any toothpaste you choose should never be so abrasive as to cause damage to teeth or gums.
• If you use only charcoal toothpaste, you might not get the amount of fluoride needed to protect your teeth. And no toothpaste can take the place of regular brushing, flossing, and checkups at our Worcester office.
• If you’ve seen the photos posted of charcoal enthusiasts with sooty smiles and teeth, you know brushing with charcoal toothpaste can be a messy process. You might need to take extra care to clean your mouth, teeth, and tongue after using. And your sink.

If you are still intrigued by the idea of charcoal toothpaste, Dr. Kozica and our team are happy to discuss it with you. And if teeth whitening is your concern, we have some proven methods to achieve your best results—even if they don’t provide an opportunity for dramatic charcoal selfies!