Have you seen your dentist for a checkup twice this year? If not, time is quickly running out. Most dental insurance policies reset on January 1st, making you lose any benefits you haven’t used yet. While you might not want to spend any time at your dentist’s office during the holiday season, here are four reasons that maximizing your dental insurance coverage before the end of the year could benefit your oral health and your wallet.
1. Don’t Let Your Yearly Maximum Go to Waste
Most dental insurance plans have an upper limit on how much coverage they’ll give you during the year. This is known as your yearly maximum, and it’s typically around $1,000. If you don’t use this money before your plan resets, it will be lost forever. This could cost you hundreds of dollars of dental care throughout your life. Economically, it makes the most sense to spend this money on oral healthcare while it’s still available to you.
2. Get Your Money’s Worth on Your Premiums
If you’re paying your premiums, you’ve already spent money on dental benefits. This means that you shouldn’t let them go to waste; after all, dental insurance won’t save you any money if you don’t use it!
At the very least, you should visit your dentist twice a year (every six months) for a routine checkup and cleaning that can prevent cavities, gum disease, and other oral health problems from developing. In most cases, your insurance company will fully cover the cost of these visits, making them an easy way to maximize your benefits.
3. Remember That Your Deductible Will Come Back Next Year
Before you can use any insurance benefits, you’ll have to pay your dentist a certain amount of money, called your deductible. For dental insurance, deductibles are extremely low, usually about $50. Once you’ve met your deductible, you won’t have to pay it again until the next year. You’ll minimize out-of-pocket costs by scheduling your appointments after you’ve already met the deductible.
4. Keep Your Smile Healthy
Above all else, the primary goal of having dental insurance and using the benefits it offers is to make getting care for your teeth and gums more affordable. While gum disease and tooth decay might begin as minor problems, they’ll become far more difficult – and more expensive – to address the longer you put off treatment.
Ready to save money by making the most of your dental insurance? Schedule an appointment with your dentist today to find out if there are any treatments that your mouth – and your bank account – could benefit from.
About the Author
Dr. Neely Davis Thornton is a dentist in Marietta, GA who obtained her Doctor of Dental Medicine degree in 2006 from the Medical College of Georgia. Her practice will gladly process and file dental insurance claims for the majority of PPO plans. To maximize the benefits you have available, contact Thornton Dental Wellness at (770) 988-4936.