Deductibles and Maximums

November 20, 2013

Today we are going to finish up our series on dental insurance with deductibles and maximums. These are two different limits that are defined in your insurance plan. Again, each insurance plan is different, so, to be certain, check with your insurance carrier to find out what applies to your benefit package. Deductibles in dental insurance are similar to deductibles in medical insurance. If you do have a deductible, you will have to pay it before the insurance will begin their coverage.



Deductibles in dental insurance can be as low as $25. Some insurance plans do not apply your deductible to preventative coverage – such as your routine hygiene appointment. Instead they pay the hygiene appointment at their normal coverage level, and apply the deductible to any additional services you need to have done – such as a filling or a crown. Other dental insurance plans don’t have a deductible at all.


Unlike deductibles, all dental insurance plans have a plan maximum. The plan maximum is the amount of money the insurance company will pay in a coverage year. Plan maximums renew at the beginning of the coverage year and any un-used benefits are lost at that time. If you have treatment that needs to be completed, you can work with your dentist to plan out a way to get the most out of your insurance and ensure that you don’t lose any of your benefits. To facilitate this, it is best to know how much is allocated to your plan maximum and what your insurance considers a coverage year.


A coverage year is not necessarily the same as a calendar year. Some plans use a school year as a coverage year, and some use your start date. Find out from your insurance what your coverage year is prior to starting major treatment to ensure you don’t go over your plan maximum. If you have new insurance, check to see if you have a waiting period for major treatment as well.


Over the past couple of weeks, we’ve shared several tips to help you understand your insurance. You may have noticed that the recurring theme is that you should check with your insurance company. Your insurance is a contract between yourself, your employer, and the insurance company. The more knowledge our patients have about their benefits, the better able we are to provide affordable quality dentistry. Let us know if you have any other questions about insurance, and we’ll be sure to answer them in a future post.

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June 24, 2025
Pregnancy is a time of excitement, anticipation, and transformation. As your body adapts to nurture new life, your needs evolve—including your dental care. At Stephens Dentistry, we’re passionate about supporting expectant mothers through every stage of this journey. Understanding the connection between oral health and pregnancy is not just important for your smile, but for the wellbeing of both you and your baby.  How Pregnancy Impacts Oral Health Pregnancy brings about a surge in hormones, especially estrogen and progesterone, which can have a profound effect on your gums and teeth. Many women notice changes in their oral health during pregnancy, including increased sensitivity, swelling, or bleeding gums. These shifts aren't just uncomfortable—they can also signal conditions that need attention to safeguard your overall health. Pregnancy Gingivitis: What You Need to Know One of the most common dental issues during pregnancy is pregnancy gingivitis. According to the Centers for Disease Control and Prevention , up to 60–75% of pregnant women develop gingivitis, which is characterized by red, swollen, and bleeding gums. This occurs because hormonal changes heighten the body’s response to the bacteria in dental plaque. If left untreated, gingivitis can progress to periodontitis—a more serious gum infection that can cause tooth loss and has been linked to health risks beyond the mouth. Oral Health and Birth Outcomes The importance of oral health during pregnancy goes beyond comfort and aesthetics. Research has shown a significant link between maternal gum disease and adverse pregnancy outcomes, such as preterm birth and low birth weight. A systematic review published in the Journal of Dental Research found that women with periodontal disease may be more likely to deliver prematurely or have babies with low birth weights. Although more research is ongoing, the potential connection means that taking care of your gums and teeth is an essential part of prenatal health. Why Dental Care Shouldn’t Wait Some expectant mothers worry about dental treatments during pregnancy. The good news is that routine dental care—including cleanings and necessary treatments—are not only safe but recommended during pregnancy. The American College of Obstetricians and Gynecologists confirms that preventive dental work is important and can be performed safely, especially in the second trimester. Delaying care can allow small problems to become bigger ones, and untreated infections can pose a risk to both you and your baby. If you are planning to become pregnant, scheduling a dental checkup beforehand is an excellent way to get ahead of any issues. Practical Tips for Expectant Mothers Maintaining oral health during pregnancy doesn’t have to be complicated. Here are some tips to keep your smile healthy throughout your pregnancy: Brush and Floss Regularly: Aim to brush twice a day with fluoride toothpaste and floss daily. This helps remove plaque and reduce your risk of gingivitis. Eat a Balanced Diet: Focus on nutritious foods rich in calcium, vitamin D, and protein, which support both your oral and overall health. Manage Morning Sickness: If you experience vomiting, rinse your mouth with water or a fluoride mouthwash rather than brushing immediately afterward, as stomach acid can soften tooth enamel. Stay Hydrated: Drinking plenty of water helps wash away food particles and bacteria, and can also help combat dry mouth, which is common in pregnancy. Schedule Regular Dental Visits: Let your dental team know you are pregnant so they can tailor your care. At Stephens Dentistry, we take extra precautions to ensure your comfort and safety during each visit. Learn more about our preventive dental services . Recognizing When to Call Your Dentist While mild gum sensitivity is common, it’s important to reach out to your dentist if you notice persistent bleeding, swelling, or pain. These symptoms could indicate an infection that needs prompt attention. If you develop a dental emergency during pregnancy, don’t hesitate to contact your dentist—timely care is always the best choice for both you and your baby. Supporting Your Health at Stephens Dentistry At Stephens Dentistry, we’re committed to providing compassionate, personalized dental care for every stage of life—including pregnancy. Our team stays up-to-date on the latest guidelines and safety protocols to ensure you receive the best care possible. For more information on how we support our patients during pregnancy, visit our dental care for families page. Pregnancy is a beautiful journey, and your smile should be a part of it. Prioritizing your oral health is a gift to yourself and your growing family. If you have questions or want to schedule your next dental visit, contact our office —we’re here to help you every step of the way.
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