Are you covered by dental insurance? If so, you are fortunate to be able to benefit from affordable dentistry services from a dentist of your choosing. No matter who your provider is, dental insurance is a great deal — especially if you know how to stretch your benefits to the maximum. Billions of dollars are wasted by Americans each year in unused insurance benefits, but there is still time to rescue those funds! Keep reading to learn more about how a dentist can help you make the most out of your dental insurance plan.
What Is On the Chopping Block?
Most dental insurance premiums, or the monthly payment which you make in exchange for your coverage, range around $50 for an individual and $150 for a family. This amount can make you eligible for up to $1,500 worth of care per year once you have met your deductible. That means you could literally be letting hundreds of dollars go down the drain if you don’t do a little strategic planning before the year is up.
Dental insurance will cover 100% of the cost of preventive services like two checkups and cleanings per year as well as an annual set of X-rays. You are also eligible for 80% to 50% discounts on necessary restorative services, depending on the complexity of what’s being performed.
Take the following steps to cash in on these valuable benefits:
- Schedule and attend a checkup and cleaning if you have not had 2 already in 2018.
- Complete all treatment plans if you can do so without exceeding your annual maximum.
- Break up larger treatments over two periods to reduce out of pocket costs.
- Replace dental appliances, like sleep apnea treatment or bruxism mouthguards, if you have money leftover in an FSA or HSA.
There Is Still Time to Save on Dental Care!
We are now at the end of October, and that means it is definitely not too late to take advantage of your remaining benefits for 2018. Remember that dental offices get busy near the end of the year, so acting today is the best way to make sure that you can get a convenient appointment and that you will have time to complete any necessary dental work. Get in touch with your dentist ASAP to use your dental insurance — doing so is something that will benefit your dental health AND your wallet!
Meet the Practice
At Polished General Dentistry, Dr. Megan A. Shelton offers comprehensive dental care for patients of all ages. From checkups and cleanings all the way to complex restorative dentistry services, she does it all. And, right now, Dr. Shelton encourages all patients schedule an appointment before the end of the year. Learn more about how to maximize your dental insurance or book a visit by calling the practice at (760) 434-9800.