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Understanding Dental Insurance Terminology

October 7th, 2026

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 Drs. Jay Corley and Rebecca Lauck 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 Blue Stone 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 Drs. Jay Corley and Rebecca Lauck, 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: Drs. Jay Corley and Rebecca Lauck 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.

Drs. Jay Corley and Rebecca Lauck 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 Keller, TX office.

Getting to the Bottom of Chewing Gum Myths

September 30th, 2026

It's a moment many of our patients have experienced. One second you're chewing on a piece of gum, then suddenly you forget to keep chewing and swallow the entire rubbery gob whole! It's at this point you remember your mother warning you as a child that if you swallow gum it will stake a claim and take up residency in your belly for seven years. Drs. Jay Corley and Rebecca Lauck and our team at Blue Stone Dental hate to take all the fun out of the mystery, but the truth is that chewing gum, when swallowed, will enter your stomach and move through your digestive system just like any other piece of food. So, if you ever accidentally swallow a piece of gum, there is no need to worry!

That being said, it's important to know that gum does not have any dietary benefits, so while it’s not exactly harmful to swallow, you still want to avoid swallowing it. If you are an avid gum-chewer, we encourage you to chew sugarless gum, especially if you are wearing braces, because gum with sugar can lead to cavities. Sugarless gum still has the same amount of flavor, but has fewer cavity-causing ingredients. In fact, many brands contain an additive called xylitol, a natural sweetener known to fight cavity-causing bacteria. Xylitol is also known to increase salivary flow as it rinses away plaque and acid.

The fact is, when the bacterium in your mouth breaks down sugar, what’s left behind is acid. This acid eats away at the enamel coating of your teeth, causing holes that we call cavities. Cavities can lead to other long-term mouth problems if they are not treated in time, so it is best to try and avoid overexposing your teeth to too many harmful substances!

If you have any questions about chewing gum, please contact our office. Happy (sugar-free) gum chewing!

Tooth Discoloration: Common causes and what you can do to stop it

August 5th, 2026

Looking back at childhood photos, you may notice picture after picture of yourself with a mouthful of shiny white teeth. When you look in the mirror today, you wonder what happened to that beautiful smile. Many adults struggle with tooth discoloration and find it embarrassing to show off their teeth in a smile. Once you identify the cause of your tooth discoloration, there are treatment options at Blue Stone Dental that can restore your teeth and your confidence.

What Causes Tooth Discoloration?

There are a host of factors that may cause your teeth to discolor. Some are directly under your control, and others may not be preventable. Here is a list of common reasons that teeth become discolored.

  • Genetics: Much of your dental health is determined by genetic factors beyond your control. Some people naturally have thinner enamel or discolored teeth.
  • Medications: Several medications lead to tooth discoloration as a side effect. If you received the common antibiotics doxycycline or tetracycline as a child, your teeth may have discolored as a consequence. Antihistamines, high blood pressure medications, and antipsychotic drugs can also discolor teeth. If you think a medication may be leading to tooth discoloration, talk to Drs. Jay Corley and Rebecca Lauck. Never discontinue the use of a medication without consulting your doctor, however.
  • Medical Conditions: Genetic conditions such as amelogenesis or dentinogenesis cause improper development of the enamel, and can lead to yellowed, discolored teeth.
  • Poor Dental Hygiene: Failing to brush your teeth at least twice a day or regularly floss may lead to tooth decay and discoloration.
  • Foods and Tobacco: Consumption of certain foods, including coffee, tea, wine, soda, apples, or potatoes, can cause tooth discoloration. Tobacco use also causes teeth to turn yellow or brown.

Treatments for Tooth Discoloration

There are a variety of treatments available to individuals with discolored teeth. One of the easiest ways to reduce tooth discoloration is through prevention. Avoid drinking red wine, soda, or coffee and stop using tobacco products. If you drink beverages that tend to leave stains, brush your teeth immediately or swish with water to reduce staining.

After determining the cause of tooth discoloration, Drs. Jay Corley and Rebecca Lauck can suggest other treatment options. Over-the-counter whitening agents might help, but in-office whitening treatments provided at our Keller, TX office would be more effective. When whitening agents do not help, bondings or veneers are among the alternative solutions for tooth discoloration.

If you are worried about your teeth becoming yellow or brown, think carefully about your diet and medication use. Talk to Drs. Jay Corley and Rebecca Lauck to identify substances that may be causing the problem. After treatment for tooth discoloration, you will have a beautiful white smile you can be proud to show off.

Why Am I Getting Cavities?

July 29th, 2026

Now that you’re in orthodontic treatment, you’re probably spending more time taking care of your teeth than ever before. So, why did your dentist find a cavity at your last checkup? Let’s look at some of the potential culprits.

  • Brushing More Doesn’t Always Mean Brushing Well

Even for adults with decades of experience, proper brushing technique is often overlooked. Brushing’s not as effective without covering all the tooth surfaces (inside, outside, and molar tops), holding the brush at a 45-degree angle, gently brushing the teeth with small strokes, brushing for at least two minutes, and flossing between the teeth at least once a day.

If you wear braces, you must also take care to reach all the spots between and around your wires and brackets. Which leads us to . . .

  • Are You Using the Right Tools?

Even with perfect brushing form, your braces will be a challenge for a regular toothbrush and floss. The right tools make any job easier, and that includes cleaning your teeth while you’re wearing braces.

Specially designed brushes with bristles designed to work with your brackets, floss made to fit behind wires, tiny cone-shaped interproximal brushes that fit between your teeth and around your brackets—all these tools are made specifically to remove plaque and food particles from your teeth and your braces.

  • Crunchy, Hard, and Sugary Aren’t the Only Problem Foods

You know sugary foods should be limited because sugars are the favorite food of cavity-causing bacteria. And hard and crunchy foods are off limits altogether because they can damage your braces. But what about treats which look soft and harmless? Well, looks can be deceiving!

Starches in soft, carb-rich foods like potato chips and white bread quickly break down into sugars. What’s more, they tend to stick around brackets and in between the teeth, giving those cavity-creating bacteria plenty of nourishment.

This isn’t to say that you must eliminate all sugars and carbs from your diet. But when you wear braces, be especially mindful about brushing or at least rinsing thoroughly whenever you have a snack.

  • Biology

Some people are biologically more prone to cavities, even with attentive brushing and flossing, so you shouldn’t feel guilty if you don’t have a perfect checkup every time. Instead, be proactive. Ask Drs. Jay Corley and Rebecca Lauck for brushing and cleaning advice the next time you visit our Keller, TX office—and then follow it!

It’s not just spending more time taking care of your teeth—it’s using your valuable time the best way possible. It’s always time well-spent brushing properly, eating mindfully, and working with your orthodontist and your dentist to create a beautiful, healthy, cavity-free smile.

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