Dental insurance is great if you know how it use it, but unfortunately, millions of Americans waste billions of dollars’ worth of dental benefits each year. The worst part is that people are completely unaware this is happening. Are you ready to take back control of your oral healthcare and save some money at the same time? Keep reading to learn how to take advantage of your dental insurance plan while you still can.
Remember Your Maximum
When it comes to your dental insurance, no number is more important than your annual maximum. This is the most your dental insurance is welling to pay for your dentistry in one year. Once the year is over, your benefits will reset whether you’ve used them or not. The average annual maximum is around $1,000. With only 2.8% of people ever reaching this number, it’s no wonder that over 100 billion dollars in dental benefits are wasted each year. The key to saving hundreds annually on dentistry is to remember this number and work to reach it.
Take Advantage of Your Deductible
Another number to keep in mind is your deductible. This is an annual fee that essentially unlocks your dental coverage for the year. Once it’s paid, you won’t have to pay it again until next year. So, if you have any restorative work you need like dental crowns, fillings, root canals, and more, be sure to wrap up your treatment during 2019 so you won’t have to pay an additional deductible.
Schedule a Second Appointment
A great way to use up your benefits before they’re gone is to attend routine dental checkups and cleanings. Dental insurance plans typically cover 100% of preventive visits, making them a great way to cash in on your benefits. The ADA recommends seeing your dentist twice a year, but millions of Americans still only see their dentist once or none at all. If you’re looking for a way to use your benefits while staying healthy, schedule an appointment with your dentist while it’s still 2019.
Watch Out for Changing Plans
Unlike medical insurance, it’s relatively normal for dental insurance plans to change their terms. Whether this means paying higher premiums, or even a smaller maximum, these changes tend to happen during the renewal period at the end of the year. That said, it’s best to use your benefits while you still know exactly what they are before 2020 is here.
Are you ready to start saving hundreds on your dentistry? Use these tips to cash in on your hard-earned insurance benefits before they reset on New Year’s.
About the Practice
At Texas Dentistry, we have a team of 4 dentists who have the expertise and training to provide quality services for patients in Kaufman. They never want personal finances to get in the way of quality dentistry, which is why they accept various insurance plans. For any questions, they can be reached through their website or by phone at (972) 932-3918.