November 19, 2019
Did you know that if you go see your family dentist every six months, you could potentially be saving hundreds of dollars a year? This is a fact that a lot of people just don’t know. If your dental insurance runs on a calendar year, like it does for many people, your benefits are about to run out come January 1. What exactly does that mean? Let’s take a closer look.
Use It or Lose It
Most dental plans have something called a yearly maximum, which is the highest dollar amount they will pay for your care during the calendar year. For most plans, this is around $1,000 annually. Only about 3% of people with dental insurance even come close to meeting this amount. This should be a bigger deal than it is, because any leftover money does NOT roll over into the next year. It just goes back to the insurance company. Since you’re already paying your premiums, let’s talk how to avoid losing money by maximizing your benefits.
Get a Second Checkup and Cleaning
If you ask any dentist how many times patients should come into the office a year, they will say at least two. Most people, however, only go once, if at all. This is bad for not only your pearly whites, but your wallet too. Your insurance plan very likely covers basic preventive services like these 100 percent, so why not visit your dentist again? You probably won’t have to pay anything out-of-pocket for it!
Meet Your Deductible
Your deductible is the amount you have to pay out-of-pocket before your insurance company steps in and starts covering your care. Usually, dental plans have very low deductibles. Like your yearly maximum, your deductible also resets at the beginning of the year. If you’ve already met your deductible for 2019, now is the perfect time to get that dental work that you’ve been needing, like a crown or filling. You will very likely not have to pay a cent out-of-pocket for it!
Insurance Policies Change
Insurance policies typically go through changes at the beginning of the year, like charging higher premiums. This might result in a higher copay at your dentist’s office. Again, if you’ve been putting off getting dental work done, now is your chance before prices go up in the new year.
If you work to maximize your dental insurance benefits before the end of 2019, both your teeth and your wallet will thank you.
About the Practice
At On Point Dentistry in Carrollton, TX, you can expect to be treated as more than just a name on a chart or a number on a check. Dr. Caballeros and Dr. Parra are dedicated to treating patients like individuals first, and won’t sell you procedures you don’t need. We accept most major PPO plans and are more than willing to file your insurance claims on your behalf so that you receive the most you can from your benefits. To schedule any needed dental procedure or checkup before the end of the year, click here or call (972) 418-8461.
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