October 1, 2017
While most people know that dental insurance is a great way to save on their dental care, what many are not aware of is that most policies have something called an annual maximum. This is the highest dollar amount of care per person, per year a plan will cover, and it actually resets at the beginning of each year. This means if you have not met your maximum by the time January 1st rolls around, all that extra money will not carry over and basically be lost. This is just one of many reasons you should try to use your dental benefits before the end of the year, and today, we’re going to share 3 more.
A deductible is the amount of money you have to pay out of pocket for dental care before you can have access to your insurance benefits. As we just mentioned, dental benefits actually reset at the beginning of the year, so on January 1st, even if you still have money left on your plan from 2017, you will need to meet your deductible again before you can have access to your benefits, causing you to lose money in two different ways.
2. Delayed Care= Higher Costs
The longer you wait between dental appointments, the more likely you are to develop dental problems that will require an expensive fix. This is why dental insurance is geared towards helping patients afford their recommended two appointments each year.
By waiting till next year to visit the dentist, you’ll not only lose money when your benefits reset, but you’ll also leave your teeth more vulnerable to avoidable dental problems. If you schedule an appointment now before the end of the year, it will likely be completely or mostly covered by your insurance, and it will keep your teeth protected as well.
3. Policy Changes
Dental insurance policies change their coverage all the time, so a procedure that might be mostly covered now may not be as of January 1st. It’s very easy to miss these changes and not find out about them until it is too late. You can get the most out of your current plan now by scheduling a visit before the end of the year, and there’s even still time to change plans if you find one that offers better benefits.
Dental insurance can help you save thousands on dental care every year, but you need to know how to use it effectively in order to get as much as you can out of your coverage. By focusing on preventive care and maximizing your benefits before they reset or change, you’ll not only be doing right by your wallet, but your teeth as well. You won’t be leaving money on the table for when the year ends, and you’ll be giving your teeth the care they need to avoid dental problems in the first place, which is certainly a reason to smile.
About John E. Russo Family & Cosmetic Dentistry
We believe that high-quality dentistry should be affordable for every family, which is why our practice is happy to accept both indemnity and PPO insurance plans. Our centrally-located Orlando dental office serves patients from downtown Orlando, Winter Park, Lake Eola Heights, Thornton Park, Baldwin Park, Conway, and the surrounding areas. To learn how we can use your particular insurance plan to help you save at your next appointment, please contact us today.
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