Remember To Use Your Benefits Before They Expire
Dental insurance is an excellent way to help families and individuals cover dental care costs. Since visiting the dentist is an important part of everyone’s life, regardless of age or overall health, investing in dental insurance can help offset some annual expenses. Insurance can also come in handy in the event of a dental emergency, depending on the type of coverage.
But are you sure you’re getting the most out of your insurance plan? If you still haven’t visited the dentist this year (or are overdue for a second visit or follow-up), you might not be maximizing your dental benefits.
Even if you feel like your dental health is fine, visiting your dentist regularly is important to ensure that no undetectable issues are lurking between your teeth or gums. Planning periodic teeth cleanings and whitenings can ensure your smile stays radiant and healthy, as well! Since most plans expire at the end of the year, now is the time to start planning a visit to the dentist for you and your loved ones.
Schedule Dental Services Before Your Insurance Expires
Dental plans are typically renewed by either calendar year or plan year. If you are following the former, as many plans do, your insurance benefits will renew in January. Most insurance policies also require you to pay a premium, which provides coverage for a variety of benefits. In most cases, this may include a variety of preventative procedures, such as check-ups or cleanings.
if you haven’t visited the dentist this year (or you are still missing treatment that would be covered by your benefits), you might not be getting full use of services you are paying for! Not convinced? Here are four reasons why you should preserve your smile – and your wallet – by taking advantage of your dental insurance coverage.
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Using Your Deductible
As with most insurance policies, your dental coverage will likely feature a deductible, which is the amount you have to pay before your policy will cover any treatments. In many cases, this is waived for procedures like cleanings and check-ups, but they may apply to restorative services. If you’ve already had some type of treatment, chances are you are close to meeting (or met) the deductible for the year. Instead of paying the deductible again next year, it’s recommended to schedule any last-minute dental work before December 31st!
Meeting The Yearly Maximum Allowed
Similarly, there is a maximum amount that your insurance policy will typically cover in a calendar year. Occasionally, you may find that you meet this maximum and still need more treatment. In these cases, it may be beneficial to space your treatments out until the beginning of the following year. However, it’s important to remember that if you don’t use the money allocated to your maximum amount – it will be lost. If you know you need dental work, such as a filling or follow-up treatment, it’s best to get it done before any further damage occurs – and use as much of your yearly maximum as you can.
Utilizing Your Premiums
Whether a patient is getting healthcare through your workplace, your spouse, or independently, a premium is typically required to maintain regular coverage. For dental plans, this will vary based on what type of services you are receiving and what is covered. Some patients opt for family coverage while others may scale back to minimum coverage for preventative treatments. Regardless of what the cost is, if you aren’t visiting the dentist and receiving the benefits that you are paying for, you are wasting money.
Get the Right Level of Care
Ultimately, the goal of dental insurance is to help offset some of the financial burdens that may come with receiving dental care. Picking out the right plan for you is the best way to ensure that you get the coverage you need and don’t spend money unnecessarily. If you can, customizing a plan with your dentist or healthcare provider to include all the different services you may need in a calendar year can help you get the best price, without having to come out of pocket for treatments you may need often.
Take Advantage of Comprehensive Care
Are you located in the Palm Beach area and looking for a new dental provider for the coming year? Acosta Dental Arts, PA is conveniently located in North Palm Beach and offers specials to New Patients looking for a dentist that offers full-scale, comprehensive services. Call us at 561-622-0301 to schedule an appointment today!