Ryan Jouett, D.D.S.
Dr. Jouett grew up in Hondo, Texas and graduated from Texas A&M University, Class of 2000. After graduation, he obtained his Doctorate of Dental Surgery at the University of Texas Health Science Center in San Antonio Dental School. During his time in dental school at San Antonio, Dr. Jouett performed research in the areas of implant dentistry involving the bone-implant interface, implant and bone healing modalities using bone morphogenic proteins, anti-caries activity of carbamide peroxide, and the use of bone morphogenic proteins in healing of pulpal exposures. Upon graduation from dental school, Dr. Jouett practiced in Flagstaff, Arizona for two years before moving back to his home state. He has practiced in the Brazos Valley since 2006.
Committed to staying current with the latest areas of dentistry through continuing education and self-study, Dr. Jouett is the president of the Stone Creek Dental Study Club where dentists in the Brazos Valley gather to learn and study new treatment modalities and hone their skills. His goal is treat each patient with the best dental care possible in a comforting and courteous manner.
Dr. Jouett and his wife Amanda live in Bryan/College Station and are raising their three children. His wife Amanda is an attorney by training, but has followed her calling to raise their three children and home school them full time. Both Dr. Jouett and his wife have been involved in Young Life as trainers for the college leaders since 2004. Dr. Jouett was ordained in the Southern Baptist Convention of Texas as a minister in 2015 and currently has a ministry called “The Creation Issue” speaking about how Christians can stand on God’s word in light of our culture and evolution. He has also written a book titled “Interview for Marriage" that he has used to help college students gain a deeper understanding of how Christians should approach dating in today’s culture. All proceeds from the book go to Impact Retreat (impactretreat.com). In his spare time he enjoys spending time with his family, restoring cars, welding, fly-fishing & fly tying, hunting and skiing.
Richard Mogle, D.D.S.
Dr. Mogle grew up in West Texas and graduated from the University of Texas Dental School in the Texas Medical Center in Houston in 1969. After graduation, Dr. Mogle served with the United States Public Health Service completing a dental internship at the USPHS Hospital in San Francisco. During this program, Dr. Mogle received advanced training is general dentistry, periodontics, surgery and other areas of dentistry. He then served as the Chief Dental Officer for the 8th District of the U.S. Coast Guard in New Orleans for two years. He moved to the Bryan – College Station area in 1972 to begin his private practice.
Over the years, Dr. Mogle has been committed to staying up to date with all areas of dentistry through continued study and education. He has attended many hours of educational courses in all aspects of dentistry. His goal is to provide the best dental care to his patients in the most comfortable and courteous manner possible.
Dr. Mogle is a member of the American Dental Association, Texas Dental Association and the Academy of General Dentistry and is a Fellow of the American College of Dentist. He has been active in these associations having served as a delegate to the TDA for many years as well as being appointed to the Council of Ethics and Judicial Affairs of the Texas Dental Association. In 1991, Dr. Mogle was nominated for the Texas Academy of General Dentists “Dentist of The Year” award.
Dr. Mogle and his wife Donna live in College Station and have raised four children. He has been involved as a board member and President of the local chapter of the American Diabetes Association. He has been an active member of the Rotary Club of College Station for many years having served as a board member and as President. He has also worked with Rotary District 5910 for several years. An interest in aviation has resulted in obtaining his private pilot license and he has enjoyed flying since 1985. He has been active with the Commemorative Air Force (CAF), an organization dedicated to preserving aircraft that saw action during WW II, since 1984 and had served in several areas, including “Wing Leader” of the now past, local chapter.
Facilities and Equipment
Our office is fully equipped with all the equipment needed to provide you with the most up to date dental care.
We have nitrous oxide sedation available for your comfort. Full x-ray facilities including panoramic scans and Intra-oral cameras to help your better visualize your dental condition.
Our office follows all the guidelines for HIPA,OSHA, CDC, and infection control procedures. All of our equipment is fully sterilized after each use. Our staff is trained, certified and current in CPR.
We are happy to file all insurance paperwork for you to get your maximum benefit. We make sure our fees are in line with what the insurance companies expect so that you are not out of pocket more expenses that you have to be!
While we will file for any insurance company, we are also preferred providers for the following dental insurance companies:
Blue Cross/Blue Shield
If your insurance is a DHMO (Dental Health Maintenance Organization) type plan your insurance will only pay benefits if you go to a "Network" or contracted office. If your insurance is a regular plan (one that will pay benefits at any office) or a PPO (Preferred Provider Organization) plan from ANY company, you will receive your full benefits at our office and we will accept your benefit payment directly from your insurance company (assignment of benefits).
It is best to call our office during our regular business hours to schedule your appointment. If you wish to request an appointment at other times, please use our appointment request feature on our Website. If you call when our office is closed, our telephone does have the ability to record a message and we will return your call as soon as possible.
If you are experiencing a dental emergency, please call our office early in the day so that we can see you at a time that will minimize any unnecessary waiting on your part.
When we make an appointment for you, that time is reserved just for you. If you must change your appointment time, please call us at least 24 hours in advance so that your appointment time can be made available to another patient.
We wish to do all we can to help you obtain the high quality dental care you want and deserve. It is our policy to always inform you of how much your dental investment will be before treatment is started. We will then work with you to make your investment in optimal care as easy and manageable as possible.
For our patients with Dental Insurance we will accept payment from your insurance company. This is called “assignment of benefits”. You will only be required to pay your “co-payment” and "deductible" as your treatment progresses.
We accept checks, cash or credit cards. We can also help you by arranging extended payment plans through Care Credit. Care Credit is a national credit company that works with dental offices and patients. We can help with your application in our office and it only takes a few moments for approval.
CareCredit is here to help you pay for treatments and procedures your insurance doesn't cover. We offer No Interest* financing or low minimum monthly payment options so you can get what you want, when you want it. With three simple steps, including an instant approval process, it's easy to apply for CareCredit. After you're approved, you're free to use CareCredit for the services you choose including LASIK, veterinary, dentistry, cosmetic, hearing aids and more.
CareCredit is endorsed by some of the most credible organizations specific to each healthcare profession we support. And CareCredit is a GE Money Company, so you know you can count on us. For over 20 years, we've been helping over five million cardholders get the healthcare treatments they want and need. Now you don't have to worry about saving up for the procedures you want and need. With CareCredit, the decision's in your hands to get what you want, when you want it. For more information or to apply online, visit carecredit.com.
Understanding Dental Insurance
Do you have Dental Insurance? It may not be as good as you think! Read your manuals and all the fine print. Dental insurance was NOT designed to cover the total cost of treatment. Dental benefits are not insurance in the traditional sense as with medical insurance, but are designed to provide you with some assistance in paying for your dental care. A plan may have limitations on the number of visits, consultations, x-rays and various treatments it will cover. Know your insurance benefits – they are not always what they are portrayed.
As a courtesy to our patients we file all dental insurance claims electronically. We file claims to most insurance carriers, however, we do remind you that your policy is an agreement exclusively between you, your employer, and the insurance company. We can make no guarantee of estimated coverage, but do our best to see that you receive your maximum benefits.
Commonly Misunderstood Terms and Features
“Usual, Customary & Reasonable” – UCR as insurances refer to it – may be one of the most misunderstood terms used in describing dental benefit plans. UCR plans may pay an established percentage of the dentist’s fee, or what the plan considers a “customary” or “reasonable” fee limit, whichever is less.
Although these limits are called “customary” they may or may not reflect the actual fees that dentists in your area charge. Your explanation of benefits (EOB) may note that the fee your dentist has charged you is higher than the UCR reimbursement levels that the plan offers. This does not mean that you have been overcharged. For example, the benefits company may not have taken into account up to date data in determining a reimbursement level. What we, in the dental field have questioned is – if the UCR is determined by areas – then why isn’t the reimbursement rate for our area the same for every insurance plan? It is NOT! There is NO regulation as to how insurance companies determine reimbursement levels, and companies are not required to disclose how they determine these levels. This results in wide fluctuations.
LEAST EXPENSIVE ALTERNATIVE TREATMENT OPTIONS
Your dental plan may not allow benefits for all treatment options, even when your dentist determines that a specific treatment is in your best interest. For example, your dentist may recommend a crown, but your plan may only offer reimbursement for a large filling. As with other choices in life, such as purchasing medical or automobile insurance or buying a home, the least expensive alternative is not always the best option.
Your dental benefits plan purchaser (usually your employer) makes the final decision on “maximum levels” of reimbursement through its contract with the insurance company. The annual maximum often is based on the amount the employer wishes to pay for the dental benefit. Even though the cost of dental care has increased significantly over the years, the maximum levels of reimbursement have not changed much in 30 years.
In a preferred provider arrangement, you may be asked to choose your dentist from a list of the plan’s preferred providers. These are dentists who discount their fees in return for being listed as practitioners who participate in the benefit plan’s network of providers. Whether or not you choose your dental care provider from this defined group can affect your reimbursement.
PREEXISTING CONDITIONS AND EXCLUSIONS
Just as with medical insurance, a dental plan may not cover conditions a person had before enrolling in the plan. Even though your plan may not cover certain conditions, treatment may be necessary. Your dental plan may not cover certain procedures or preventive treatments regardless of their value to you. This does not mean these treatments are unnecessary.
The employer uses these “exclusions” to save premium expense. A policy might be written with no benefits for bridges, which are used to replace missing teeth, or no benefit for periodontal treatment. These exclusions have nothing to do with the dental needs of the patient. It doesn’t matter how badly the patient may need the treatment; if it’s not in the contract, it’s not covered. It is tempting for patients to say they only want treatment that is covered by their insurance. However, it is important to understand that the insurance plan was not written with any patient’s best interest in mind. Limiting treatment to what the insurance covers may be hazardous to your health.
INSURANCE IN OUR OFFICE
Our professional treatment is rendered to you based upon your needs. The amount of the benefits to be derived under your insurance policy is a contractual agreement between your employer and the insurance company. In other words, the benefits under your insurance plan are limited by the specifics of the contract between the insurance company and your employer. We have access to some information about most plans, and can give you an estimate of your plan’s benefits. If you have any questions regarding reasons behind limitations and exclusion, you should refer these to your employer.
Some plans request a pre-determination of benefits prior to beginning a course of treatment. This is ONLY a request and is NOT mandatory. The reason they suggest a Pre-determination, is so you can see what your out-of-pocket expenses will be. As a matter of fact on every pre-determination there is a statement written clarifying that “it is in no way a guarantee of payment”. If that is true, why do they require one? Regardless, we will be happy to submit the appropriate forms to your insurance company. There is usually a three to six week turnaround time for these forms. We will provide all the assistance we can and do our best to see that you receive your full benefits within the structure of your particular plan.
QUESTIONS? ASK YOUR PLAN SPONSOR
Our office staff will do it’s best to answer your insurance questions but cannot always answer specific questions about your dental benefits or predict the level of coverage for a particular procedure. Plans written by the same benefits company or offered by the same employer may vary according to the contracts involved. Your plan sponsor ((usually your employer) is in the best position to explain the individual design features of your plan and answer specific questions about coverage.
FREQUENTLY ASKED QUESTIONS
Q. My dentist recommends a treatment that my plan will not pay for. Does this mean the treatment really isn’t necessary?
A. It is common for dental plans to exclude treatment that is covered under the company’s medical plan. Some plans, however, go on to exclude or discourage necessary dental treatment such as sealants, pre-existing conditions, adult orthodontics, specialist referrals and other dental needs. Some also exclude treatment by family members. Patients need to be aware of the exclusions and limitations in their dental plan but should not let those factors determine their treatment decisions.
Q. My dentist recommends that I get a crown on a tooth, but my dental benefit will only pay for a large filling for that tooth. Which treatment should I have?
A. Some plans will only provide the level of benefit allowed for the least expensive way to treat a dental need, regardless of the decision made by you and your dentist as to the best treatment. Sometimes, special circumstances may be explained to the third-party payer to request an adjustment to this lower benefit allowance, but there is no guarantee that the third-party payer will alter its coverage. As in the case of exclusions, patients should base treatment decisions on their dental needs, not their dental benefit plan.
Q. My dental plan says that it will pay 100% for two dental checkups and cleanings each year. However, I just had my first checkup and cleaning, and now the insurance company says I owe for part of the dentist’s charge. How can this be?
A. Plans that describe benefits in terms of percentages, for example, 100% for preventive care or 80% for restorative care, are generally Usual, Customary and Reasonable (UCR) plans. As explained in the section on “How Benefits are Determined”, the administrators of UCR plans set what the plan considers to be a “customary fee” for each dental procedure. If your dentist’s fee exceeds this “customary” fee, your benefit will be based on a percentage of the “customary” fee instead of your dentist’s fee. Exceeding the plan’s fee does not mean your dentist has overcharged for the procedure. As a matter of fact if there are UCR fees for specific areas, then WHY isn’t the UCR fee covered by each insurance company the same?
Q. Will my plan cover the care my family will need?
A. This should be a prime consideration and a major motivation in choosing one plan over another. If your employer offers more than one plan, look at the exclusions and limitations of the coverage as well as the general categories of benefits. You should discuss your family’s current and future dental needs with your family dentist before making a final decision on your plan.
Q. Who is covered by my dental benefit plan? What does my dental plan cover?
A. This information should be provided by the plan purchaser, often your employer or union, and by the third-party payers. In order that you and the dentist may be aware of the benefits provided by the plan, the extent of any benefits should be clearly defined, limitations or exclusions described, and the application of deductibles, co-payments, and co-insurance factors explained to you. This should be communicated in advance of treatment. The plan document should describe the benefit levels of the plan and list any exclusions or limitations. This document should also specify who is eligible for coverage under the plan and when that that coverage is in effect. Your dentist cannot answer specific questions about your dental benefit or predict what your level of coverage for a particular procedure will be. This is because plans written by the same third-party payer or offered by the same employer may vary according to the contracts involved. Therefore, you should ask the plan purchaser or the insurance company to answer your specific questions.
Q. My spouse and I each have a dental benefit plan. Whose plan covers whom? Can we decide whose plan covers our children?
A. Your plan covers you. Your spouse’s program covers him or her. You may have additional coverage from each other’s plan if they cover spouses and dependents. In no case should the benefit derived from the two plans exceed the fees for treatment. The primary plan for covering your children depends on the regulations in your stare. Most plans use the “birthday rule” (spouse with a birthday occurring earlier in the calendar year is primary). Others consider the father’s plan primary. The American Dental Association has recognized the “birthday” rule as a preferred method for coordination benefits, but which rule applies to your family depends on the language in the plan documents If you have two or more potential sources of coverage, check the coordination of benefits language for each plan to determine the benefits available.
Q. Does my dentist have to send a description of my treatment plan to the third-party payer before I have any work done?
A. Third party payers often request a “predetermination of benefits” on certain treatment plans. Usually this means a dental consultant will review your dentist’s treatment plan and determine what benefits your plan will provide. However, this predetermination is not a guarantee of payment. You may want to review your benefit prior to receiving treatment, but the final treatment decision should be a matter between you and your dentist, regardless of your benefit.
There may be a provision in your plan that will deny your normal dental benefit, or reduce the level of coverage if you do not submit the treatment plan for prior authorization. This is a contractual matter between the plan purchaser and the plan administrator and is contrary to the policy of the American Dental Association. The American Dental Association is opposed to any dental clause that would deny or reduce payment to the beneficiary, to which he/she is normally entitled, solely on the basis or lack of pre-authorization.
If You Do Not Currently Have A Dental Benefit, You May Want To Know….
Q. I do not have a dental benefit and need some major dental work. Where can I buy individual dental insurance?
A. Dental plan coverage for individuals is not commonly offered because dental needs are highly predictable. For example, you would not pay premiums for your dental coverage if the premiums were more expensive than the cost of the dental treatment you need. Since this is the case, insurance companies would stand to lose money (spend more on benefits than they receive in premiums) on every individual dental plan they write. There are, however, a few companies that offer a form of dental benefits for individuals. Most of these plans are “referral plans” or “buyers’ clubs.” Under these types of plans, an individual pays a monthly fee to a third party in return for access to a list of dentists who have agreed to a reduced fee schedule.
Q. I would like to ask my employer to provide a dental benefits plan through the company. How should I go about doing this?
A. The American Dental Association recognizes the important role dental benefits have played in improving access to dental care for millions of Americans. You or your employer may contact the Association for more detailed information about how employers of all sizes can provide a cost-effective, high-quality dental benefit plan for their employees.