You’re not paying for dental insurance each month to never use it. You can save money and time by taking advantage of your 100%-covered routine checkups and cleanings. Dental insurance typically runs on a traditional calendar year, so take advantage of the services that you’ve been paying for before you lose them! Read on for 5 reasons you should use your insurance and visit your dentist before the end of the year.
Using Your Yearly Maximum
Each year, your dental insurance will pay for a certain amount of dental work. Depending on your insurance company, the average yearly maximum ranges between $750 and $1,500 per year, per person. If your insurance runs on a calendar year, this maximum will renew on January 1. When these benefits
Your Yearly Deductible
A health insurance deductible is a fixed amount of money you pay every year before your insurance starts to help with the bills. Most dental insurances cover 100% of the costs of preventive services like semi-annual checkups and cleanings, but when you need specialized services, you may have to pay out of pocket at first. The average deductible is typically around $50, but it starts again when your plan restarts at the beginning of the year. So, if you’ve already paid your deductible, you may as well get the treatment you need while your insurance will help foot the bill.
Paying For Premiums
If you are paying your insurance premiums each month, take advantage of your benefits. Even if you
Potential Fee Increases
Each year, some dentists may raise their rates because of the increased price of equipment, materials, or property costs. When this happens, your copayment could also increase. If you need to see your dentist, it’s best to do it before rates and copayments increase.
Worsening Dental Problems
When you put your dental care on the
Using up your dental benefits before they restart at the beginning of the year can ensure that you get the most out of your monthly insurance investment. Because most preventive care is 100% covered, there’s no reason to not schedule your semi-annual checkups and cleanings!
About the Author
Dr. Jane Reeves worked as a dental assistant for one of the few female dentists in the Houston area in the 80s. This inspired her to become a dentist and provide her patients with the high-quality care they can trust. She has been providing patients with healthy and bright smiles since she got her DDS degree in 1994. For questions or to schedule a routine checkup and cleaning, visit Deer Park Family Dentistry’s website or contact 281-479-2841.