November 30, 2021
The holiday season is here! As you shop for the perfect gifts and plan tasty meals to share with loved ones, don’t forget about your smile. When the clock strikes midnight, 2021 isn’t the only thing that will end. Your dental insurance expires. Although more Americans than ever have private coverage, only 2.8% meet or exceed their annual limits. Don’t throw money down the drain. Here are 4 ways to maximize your dental insurance benefits before it’s too late.
1. Harness the Power of Prevention
Dentistry focuses on keeping teeth and gums healthy through preventive services. Cleanings and checkups lessen the likeliness of common oral health problems, like cavities. You’ll save money down the road by avoiding the cost of dental treatments. Research shows every $1 spent on prevention can save up to $50 on restorative and emergency costs. After a copayment, your dental insurance will cover 100% of the expense for preventive services, so you can maintain your oral health, even if money is tight.
2. Don’t Wait to See Your Dentist
Many people delay restorative treatments because of the cost, but waiting opens the door for a costly dental emergency. The issue will continue to worsen until you need immediate dental attention. Your monthly premiums allow you to treat oral health problems quickly and for minimal expense. Depending on the procedure, your benefits can pay 50% to 80% of the cost after reaching your deductible. Your yearly allowance will offset the amount you’ll pay out-of-pocket, so your financial situation never stands in your way of a healthy smile.
3. Choose the Right Dentist
Everyone’s smile is unique. You need the right dentist by your side to help you reach your oral health goals while also meeting your expectations. Your dental insurance encourages an in-network dentist because they have pre-negotiated rates for specific services. However, you can still use your coverage at an out-of-network practice to find the perfect dentist for your smile, but you’ll have to pay the difference between their fees and your insurance’s allowable amount.
4. Maximize Your Monthly Investment
Every month, you pay a premium for your policy, which lasts for a full calendar year before your coverage resets. You lose any benefits you haven’t used because it doesn’t carry over for accumulation. You aren’t reimbursed for your premiums or deductibles. Although the end of the year is almost here, there’s still time to visit your dentist.
Don’t miss your chance to achieve a healthy smile for the new year. You pay for your dental insurance every month, so why not use it? Contact your dentist today to make the most of your dental benefits.
About Dr. Bita Kamali
Dr. Kamali earned her dental degree at the Baylor College of Dentistry and regularly continues her training to offer specialty services, like cosmetic dentistry, dental implants, and more. She works with many dental insurance companies to keep her services affordable. She also offers an in-house savings plan. If you have dental benefits you’re about to lose, contact our office today to schedule an appointment.