Did you know that more Americans than ever before have dental insurance? However, billions of dollars are lost every year from unused dental insurance benefits. Let’s face it, dental insurance can be confusing, but you don’t have to throw money away. Your monthly premiums give you access to reduced rates for the services you need to keep your mouth healthy. Here are 3 ways to maximize your dental insurance benefits.
1. Schedule a Cleaning and Checkup
Dentistry focuses on prevention to stop common issues from occurring in the first place, like cavities and gum disease. Not only does this keep tooth loss at bay, but it also lessens the need for costly dental treatments later. Researchers have found that $1 of preventative care can save up to $50 on restorative fees.
The American Dental Association recommends having a cleaning and checkup every 6 months. Your dental insurance will cover 100% of the costs for preventative services. For a co-payment, you can visit your dentist twice a year to keep your teeth and gums healthy for minimal expense.
2. Don’t Delay Dental Work
Untreated oral health problems are common causes of dental emergencies. Delaying dental work can cause a minor issue to turn into a serious problem, like tooth loss. You don’t have to delay your dental procedure if money is tight because you can use your insurance.
After meeting your annual deductible, your benefits may pay 50% to 80% of the expenses of common restorative procedures until meeting your annual limit. You can use your coverage for medically necessary treatments to rehabilitate your smile without costing you an arm or a leg.
3. Don’t Wait Until It Is Too Late
Unfortunately, your dental benefits don’t last forever. They will expire at the end of the year, and you’ll lose anything you don’t use. You aren’t reimbursed for your premiums or deductibles, even if you never visit a dentist. Any unused benefits will not carry over into the new year.
You could lose hundreds to thousands of dollars if you don’t visit your dentist before time runs out. Your dentist will help you utilize your coverage to achieve optimal oral health.
You pay your monthly premiums, so why not use your dental insurance? Your dental team will work on your behalf with your insurance to maximize your coverage to keep a healthy smile within your budget.
About Dr. Sagir Patel
Dr. Patel achieved his dental degree at the University of Florida and has continued his training in pediatric dentistry, dental implants, CEREC, and sleep apnea therapy. He strives to create healthy, beautiful smiles. He accepts many dental insurance plans to keep his services affordable. Request an appointment through his website or call his office at (407) 809-8815.
