Are you ready to save money on your dental care? If you know how insurance works, it can be a lot easier than you may have guessed. Each year, billions of dollars in dental benefits are wasted and it’s simply because people don’t know how to maximize their dental insurance. When the clock strikes midnight on December 31st, any unused dental dollars are gone forever, which is why it’s up to you to use your benefits before they expire in Orlando.
When it comes to your dental insurance, there is one number that is more important than the rest: your annual maximum. This is the highest your insurance provider is willing to pay for your dentistry in one year. However, when January 1st comes around, any benefits that are unused will be completely wasted—they do not roll over. That’s why the easiest way to maximize your insurance benefits is to remember this number and work to reach it throughout the year.
Dental insurance favors preventive visits like dental checkups and cleanings because they protect you from needing more extensive and expensive dentistry in the future. In fact, most insurance providers cover routine checkups and cleanings 100%. So, seeing your dentist at least twice a year for these visits not only keeps you healthy, but it saves you money. Checkups and cleanings are the fastest way to use up your dental benefits before 2021.
The deductible is another significant number to keep in mind. This is a once-a-year payment that essentially unlocks your dental benefits. Typically, around $50, once you pay it, you should do all you can to take advantage of your year of dentistry before you have to open your wallet again.
You should always visit your dentist throughout the year, however, 2020 is a little different. Typically insurance providers have a “6 months and a day” rule, where you can’t see your dentist sooner than 6 months and a day after your last visit for routine checkups. However, due to COVID-19, most providers are waving this rule, which means you can schedule your visit even if it’s sooner than normal. Additionally, if you have more costly dentistry on the horizon that will require multiple visits, now is the best time to start! You can begin treatment this year and finish in 2021 so you’ll have access to renewed dental benefits.
Are you ready to save money with a smile? Remember this useful information to get the most out of your dental insurance benefits.
Dr. John E. Russo specializes in family and cosmetic dentistry, providing all the dental services you and your loved ones need under one roof. He takes pride in offering quality dentistry that is also affordable, which is why he accepts insurance and alternative financing options like CareCredit. If you have any questions, contact Dr. Russo through his website or by phone at (407) 470-1224.