Did you know that less than 3% of Americans meet or exceed their annual dental insurance limits? That’s mainly because these policies can be confusing and difficult to understand. Despite having coverage, many people believe they can’t afford to visit a dentist when they need it. Of course, that is far from true! Paying your monthly premiums is an investment that allows you to enjoy reduced rates for necessary preventive care. Before the year ends, here are a few ways you can maximize dental insurance benefits.
Find the Right Dentist
Most dental insurance companies will recommend choosing an in-network provider so you can enjoy more coverage at the time of service. They usually have pre-negotiated rates with preferred practices for common treatments to lower the amount of out-of-pocket expense. However, you’ll likely be able to visit any dentist even if they’re out of your network. All you have to do is pay the difference between your insurance’s allowable coverage and the office’s fee.
Schedule a Routine Checkup
Everyone should visit their dentist every six months for a checkup and cleaning. These routine appointments are necessary for a healthy smile, as they allow you to spot and treat dental concerns before they turn into painful complications. Fortunately, most dental insurance plans make it easy to get the care you need by offering full coverage for preventive services (i.e., teeth cleanings, oral examinations, routine X-rays). By staying on top of your regular checkups, you can safeguard your smile and save plenty of money down the line.
Avoid Delaying Dental Work
If you have an unexpected dental expense, you can get the care you need with dental insurance. Your coverage will help lower the cost of multiple restorative procedures after you reach your deductible. In most cases, you can expect your benefits to pay up to 80% of the cost until you meet your yearly limit. This often applies to treatments like fillings, root canals, and extractions.
Use It Before Your Lose It
Generally, dental insurance policies operate on a calendar-year basis. Anything you don’t use won’t usually carry over into 2023. That means you won’t be reimbursed for your premiums, deductible, or annual allowance. Make the most out of your funds by using as much as possible before the year ends.
Don’t worry – it’s not too late to get the most out of your coverage. By following these tips, you can maximize your dental insurance benefits and invest in a healthier smile!
About the Practice
At 333 Dental Care, we provide high-quality and comprehensive services to help you maintain your healthiest smile. Our team values patient education to ensure you make well-informed decisions for your oral health. If you have any questions about your dental insurance, don’t hesitate to ask. You can reach a member of our team via our website or call (580) 782-2552.