Dental insurance is one of the most beneficial investments you’ll make. Just like any other type of insurance (health, auto, life), this protects you and your wallet from unnecessary out of pocket expenses should problems arise. However, if you opt not to use the many benefits you’re paying for each month, you could be losing thousands of dollars in unused dental benefits. To prevent this from happening, find out why it’s better to use them now instead of waiting until next year.
There’s No Roll Over When It Comes to Benefits
Each month, you pay a monthly premium that gives you access to your dental insurance coverage. In one calendar year, you have the ability to use a number of benefits provided to you by your insurance company, but the moment January 1, 2020, arrives, those same benefits you’ve been paying for won’t roll over. In fact, everything you’ve accumulated toward your deductible and annual maximum is reset to zero. Especially, you either “use them or lose them” with each new year.
Everything from time to money keeps people from using their dental benefits, but when your dentist explains that you need a bridge or tooth extraction, it is in your best interest to schedule your procedure before the year is over, especially if you’ve already met your deductible. Who doesn’t want to let the insurance company pay more of their fair share of the service? That means you get to keep more money in your wallet and improve your oral health!
Importance of Preventive Care
As it is with most insurance companies, you can expect your preventive care to be covered at 80-100%. If that doesn’t make you want to go ahead and schedule your six-month appointments right now, we don’t know what else will. To know that your insurance company values the importance of regular dental checkups and cleanings this much that they’re willing to pay for all or most of your visit should make you feel good. Of course, they also want to make sure you are being proactive about taking care of your teeth and gums so bigger problems don’t occur in the future.
Because that means they must pay more for the services you receive. When you take advantage of the preventive services your dentist provides, you are not only saving yourself money by paying little to no out of pocket costs, but you’re also preventing the need for more extensive and expensive dental treatments in the long run.
Don’t wait until next year to take care of your oral health. You’re already paying for your benefits now, so why not get the most out of them while you have them now.
About the Author
Dr. Megan Shelton completed her undergraduate degree at Wichita State University before earning her Doctor of Dental Medicine at the University of Louisville School of Dentistry. Not only is she committed to growing and improving within the field of dentistry, but she is also committed to continuing education, completing hours each year. She and her team provide the highest caliber of dental care possible, and you can expect a fun and supportive dental team to help you achieve desired results. To learn more about Dr. Shelton or for questions about our services, visit our website or call (760) 434-9800.