November 12, 2019
If there is one important thing you should know about dental insurance it is that nothing rolls over into the next year. No matter if you’ve been diligent about your regular dental checkups and cleanings, or you decided to forgo treatment altogether, your monthly premium won’t be the only thing your insurance company takes from you at the end of the year. In fact, it’s likely that your insurer and other companies will take back billions of dollars in unused benefits. If you want to keep from contributing to that total, hear from a cosmetic dentist who explains what you can do to keep more money in your pocket this year.
Get Your Teeth Cleaned
Patients can become complacent when it comes to their dental health. If you are one of these individuals who isn’t experiencing pain so you avoid the dentist, this could lead to serious problems down the road. Although not all plans are the same, it’s likely that your insurance company has agreed to cover preventive care at 100%. That means, you can have two annual checkups and cleanings and pay nothing out of pocket. Not only does this allow you to keep your oral health in check, but it keeps problems from developing and allows you to save your money for other things you may need (or want).
Meet Your Deductible…Then Use It
Too often, people who meet their deductibles don’t use them to their full advantage. Think of meeting this magical number as reaching the summit of a mountain. You’ve worked hard to reach it and now that you’ve got to climb back down, it’ll still require some work but not as much. The moment you reach your deductible, your insurance company agrees to take over the majority of the bill you receive from the services you receive at your dentist’s office. So, if you know you need a root canal, dental crown, or dental implants, let them pay for most of your treatment. If you wait, you’ll be stuck working toward your deductible again and paying out of pocket for your procedure.
Don’t Lose Out Because of Increasing Fees
You notice in 2019 that your plan covers orthodontics but suddenly, you look again after the first of the year and see that it is no longer covered. This is what can happen (and often does) with dental insurance companies. Apart from the coverage you can lose, your premium, deductible, and annual maximum can all increase. Don’t run the risk of waiting until 2020 to have your braces put on. Move forward with treatment now, while you’re still covered.
Don’t let 2019 end with money flowing from your policy back into the hands of your insurance company. Take back what is rightfully yours and use it now while there’s still time.
About the Author
Dental insurance can be difficult to navigate. When it comes to the end of the year, you need a team who can help you decipher your plan, offer suggestions for necessary treatment, all while helping you save the most money. Fortunately, Dr. Dana Jones and his team will work to keep more money in your pocket and less out of the hands of your insurance company come January 1, 2020. Whether you need a second dental cleaning or a dental crown, we will make sure you maximize your plan before the clock strikes midnight on December 31. To learn how we can help you, contact us via our website or by calling (203) 438-8919.
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