If you’re paying for dental insurance, it would be a waste of money to let your benefits reset at the end of the year without having taken full advantage of them. If you haven’t visited your dentist in Kittanning at least twice this year, or if there’s a certain treatment or procedure that could help you better protect your smile, now could be your last chance to get the most out of your plan before December 31st arrives.
Why Should You Use Dental Insurance Now?
You could potentially save hundreds of dollars by using your dental insurance by the end of the year. Here are a few reasons why:
- There’s most likely a limit on how much your insurance company will pay for your treatment each year. If there’s money left, it doesn’t roll over. Basically, if you don’t use it, you’ll lose it!
- You’ll have to pay a deductible (out of pocket cost) before your insurance kicks in. The deductible’s good for the rest of the year, but once the calendar resets, you’ll have to pay it again.
- If you’ve paid the premiums, your plan likely covers at least two regular checkups and cleanings each year, but it doesn’t save you money unless you schedule those appointments.
- There’s a chance that certain treatments that are covered by your policy this year will be cut at the beginning of the new year, so it’s better to use the benefits while they last.
- The longer oral health problems like cavities and gum disease are ignored, the worse damage they do in the long run. More expensive treatments might become necessary as a result.
How Can You Be Sure That You’re Making the Most of Your Insurance?
It’s a good idea to call your insurer and ask about the current state of your benefits. Which ones have you already used? Which ones are still available? Do they know what changes you can expect in next year’s policy? Will the current plan cover certain treatments like veneers or braces?
Once you’re familiar with your benefits, the next step on your to-do list should be “call a dentist near me!” (This is especially important if you haven’t had two checkups yet this year.) During your appointment, ask about the state of your dental health as well as that of any other eligible family member. Once you have a firm gasp on what you need and what benefits you’re entitled to, you can start planning.
The most important thing to remember is that while dental insurance can potentially save you a lot of money, that’s only if you actually use it. The clock is ticking, and time is running out to maximize your benefits!
About the Author
Dr. Ray Voller is a Master of the Academy of General Dentistry and a member of the Pennsylvania Dental Association. In addition to preventive dentistry, his interests include dental restorations, orthodontics, and TMJ treatment. His practice is happy to accept all kinds of dental insurance plans. To schedule an appointment at his practice, Voller Dentistry, visit his website or call (724) 543-4948.