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Maximizing Your Dental Insurance Benefits Before They Expire

October 5, 2019

Filed under: Uncategorized — waynedentistry @ 3:15 pm

person scheduling a dental appointment onlineAccording to a survey administered by Delta Dental Plans Association, 42 percent of Americans don’t see a dentist as often as they would like to, and 58 percent said they visit their dentist at least once each year. Many people avoid visiting a professional unless they have severe oral pain, but leaving treatments until the last minute will only cost more out of your own pocket. If you have dental insurance, your plan will most likely renew on January 1st. Any benefits that you haven’t used will go to waste, and you won’t be getting the most from your investment. Read on to learn how you can maximize your benefits before they restart.

Use Your Two Checkups and Cleanings

Most dental insurance plans reward their patients for keeping up with their preventive care. That’s why they often include two free checkups and cleanings every year. If you’re not using these visits, you’re not even scraping the bottom of the barrel when it comes to maximizing your benefits, because these exist at no out-of-pocket cost to you. Keeping up with the health of your teeth and gums is also a great way to keep small problems from turning into more severe ones down the road, saving you from needing an emergency appointment and experiencing pain.

Don’t Put Off Oral Treatments

The typical dental insurance plan is structured based on a 100-80-50 model. All this means is that they pay for 100 percent of preventive care, including your two free semi-annual visits, 80 percent of basic treatments like cavity fillings, and 50 percent of major procedures such as tooth extractions and root canal therapy. To save yourself from the burden of hefty out-of-pocket costs and to get your insurance to pick up the majority of the cost of your treatments, it’s important to address oral health issues sooner rather than later.

Exceed Or Match Your Yearly Maximum

Your dental insurance company sets a yearly maximum, which is a capped amount that they will pay for dental treatments. The average annual maximum falls any where from 1,250 dollars to 1,500 dollars. Because your dental insurance plan resets on January 1st, any unused amount won’t rollover. That means that instead of that money going towards keeping your smile healthy, it’ll go back into the pockets of the insurance provider. To take advantage of your benefits before they expire, be sure to match or exceed your yearly maximum.

Don’t Wait Until You Have To Pay Your Deductible Again

Annual deductibles are an amount that your insurance requires you to pay out of your own pocket to your dentist before your benefits kick in. Each year, on January 1st, this fee will reset. The average deductible is 50 dollars, but it’s a good idea to call your provider and double check because it can fluctuate. After you’ve paid the amount, you’ll want to get all the dental treatments you need before you need to pay it again.

Navigating the ins-and-outs of dental insurance can be stressful and difficult, but with a dental team that will locate the answers to all your questions by your side, it should be a breeze. A dentist that will help you maximize your benefits before they expire is one worth keeping.

About the Practice

At Wayne Family Dentistry, we have a large staff of dental professionals that are ready to help patients maximize their dental insurance benefits before it’s too late. Our team is more than happy to help find the answers to any questions you may have and give you the high-quality dental treatment you need to keep your smile healthy. We also offer several flexible payment options to fit any kind of budget. For questions or to schedule an appointment for a routine checkup and cleaning before January, visit our website or call 610-688-4578.

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