It’s that time of year again where you could lose out on your hard-earned cash and preventative dental health benefits if you don’t use it before the year ends. Our team works hard to help you receive the best dental care and help you apply your dental insurance benefits for maximum coverage.
Our caring dentist makes sure we do everything in our power to help you receive your allotted benefits in your insurance contract. This is why we want to remind you to be sure to come in and use your dental insurance before the year-end reset starts. Typically, dental insurance benefits reset at the beginning of each calendar year. So, using them is in your best interest. Your dental insurance will also be happy because preventative dental care saves them money too!
At our practice, our goal is to assist you with your battle against tooth decay and gum disease, which can not only impact your dental health but your overall health as well. This is why we urge you to brush and floss daily, and why we schedule you every six months for cleanings and checkups with our dentist. By minimizing plaque at home, and our efforts to remove tartar (hardened plaque) from your smile regularly, your tooth enamel and gums will be protected. And your dental insurance provider is part of this team. They assist you by paying for the preventative treatments you need to keep your mouth healthy. This is why we encourage you to use your dental insurance to potentially save hundreds of dollars.
When you use your insurance benefits you will eventually meet your annual deductible, which as we said above, usually resets at the beginning of each year. This helps ensure that you are getting the care your teeth and gums need to stay healthy. The deductible represents the amount of money you will be paying out of your own pocket before the dental insurance benefits apply. Using your dental insurance throughout the year means you’ll have paid part or all of the deductible by now, which makes the rest of the year an ideal time to get the necessary treatment done so it’ll be covered by your insurance without you paying more.
Your dental insurance typically has a maximum coverage amount. The yearly maximum is the highest amount that your dental plan will pay for your dental work in a year. Just as with your deductible, the maximum also resets each calendar year. If you don’t use it, you will lose it! Getting necessary dental work done, like crowns or fillings before the year ends is smart because your annual maximum will start again in next year.
If you are paying for your insurance as you go with monthly payments you definitely want to get your money’s worth, and that means using your insurance. So even if you don’t need restorations, you still want to have your six-month cleanings and exams. This is also a good way to detect problems early when they are most easily and least invasively (not to mention, most economically) treated. Keep in mind, any unused premiums won’t be reimbursed by your insurance when the year ends.
Here’s where your financial savvy comes in. If you neglect routine dental care, any problems with your teeth and gums (like early gum disease, small cavities) will only get bigger over time. To avoid root canals and pricier restorations, the best way you can avoid problems is by acquiring a toothbrush that works for you, a dental floss you will use regularly, and come in for routine checkups and cleanings with our dentist, while maximizing your dental insurance benefits! So be proactive and treat your oral health and overall health with the care you deserve.