When the clock strikes midnight on December 31st of this year, millions of Americans will leave billions of hard-earned dental insurance dollars on the table without realizing it. All of that money goes straight back to the insurance company. If you haven’t used all of your dental benefits, they’ll be gone forever. You don’t want to lose money, do you? Then read this guide on how to take advantage of your insurance and get the most out of your benefits.
Pay Your Deductible
Your deductible is an important number to know in order to save money. It’s the amount of money you have to pay out-of-pocket before the insurance company steps in and pays for your care. Once you meet your deductible, it’s good for the remainder of the year. It will reset at the beginning if the new year, so if you’ve already met it, now’s the perfect time to get any needed dental work take care of.
Know Your Annual Maximum
Your annual maximum is the highest dollar amount that your insurance company will pay for your care during the calendar year. The average yearly maximum runs between $1,000 and $1,250. The key is to meet or even exceed this number so that you don’t waste your dental benefits. Just like your deductible, your annual maximum also resets at the start of the new year, so any coverage you don’t get is gone come January.
Get What You Pay For
If you’re already paying your dental premiums, there’s no reason you shouldn’t be cashing in on your benefits. Even if you don’t need any dental work done, you should still be getting two checkups and cleanings a year. These preventive visits are usually covered fully your insurance, so you should definitely take advantage of that. These visits allow your dentist to prevent and detect early signs of issues like gum disease, cavities, and even oral cancer.
Take Care of Any Needed Dental Work
It’s all too easy to put off getting dental work done, whether it’s due to cost issues, time problems, or good old-fashioned dental anxiety. However, doing so puts you at a greater risk for developing more dental problems later on. For example, if you avoid getting a filling for a tiny cavity, that cavity could spread to the inner portion of the tooth. From there, you could require a root canal or even a tooth extraction, both of which are significantly more expensive and time-consuming than getting a simple filling. That’s why you should see your dentist as soon as possible to get any needed dental work squared away.
Now that you know how to maximize your dental insurance benefits, have you booked an end-of-the-year appointment with your dentist? They should have plenty of room in their schedule for you, so go ahead and give them a call!
About the Author
Dr. John Hackbarth earned his Doctor of Dental Surgery degree in 1976 from the University of Texas Dental School at Houston. Since then, he has dedicated himself to lifelong continuing education, including assisting surgeons to refine his own surgical techniques. He only recommends procedures that are safe, conservative, and absolutely necessary, so as to save you money. The team at his practice will never allow insurance to dictate treatment, and they are in-network with a lot of major plans. To learn more, click here to contact Dr. Hackbarth’s practice.