As you hit the mall for holiday shopping or pull out your winter decorations from your garage, don’t forget about your dental insurance. The new year is right around the corner, which means your dental benefits are about to reset. You’ve paid your premiums all year, so why not use your coverage? Dental insurance can be confusing, but here’s what you need to know to maximize your benefits before it’s too late.
In-Network vs. Out-of-Network Dentist
Your dental insurance company recommends choosing a dentist in their network to pay less out-of-pocket. They have pre-negotiated rates with preferred dental practices for common services. You’ll benefit from more coverage at the time of your appointment.
You have the freedom to choose an out-of-network dentist to enjoy a larger variety of dental practices and services. However, you will pay more out-of-pocket. You’ll have to pay the difference between the dentist’s fees and your insurance’s allowable amount.
Utilize Your Preventive Coverage
Dental insurance focuses on prevention to stop common oral health problems to avoid needing restorative care later. Researchers have found that every $1 spent on preventive dentistry can save up to $50 on restorative procedures.
You can use your dental insurance to see your dentist every 6 months for a co-pay. 100% of preventive services are paid for by your insurance, like cleanings and checkups. You’ll keep your teeth and gums healthy to save money down the road.
Don’t Delay Dental Work
Your dental insurance benefits include an annual allowance to use toward the cost of restorative care. After meeting your yearly deductible, your insurance will cover 50% to 80% of the expenses for medically necessary procedures, like fillings, root canals, and tooth extractions.
Use It Before You Lose It
Unfortunately, your dental benefits don’t last forever. You will lose anything you haven’t used at the end of the year. Nothing carries over and you aren’t reimbursed for your premiums or deductibles.
On average, less than 3% of Americans reach or exceed their annual limits. This accounts for billions of dollars lost in insurance benefits every year.
Don’t throw money down the drain. Your dentist will help you use your coverage to achieve optimal oral health for minimal expenses. With your dental health and general wellness closely connected, you can invest in a healthy mouth and body before the new year.
About Dr. Khalida Stutman
Dr. Stutman attended Case Western Reserve University School of Graduate Dentistry, the BU Goldman School of Graduate Dentistry, and the United States Dental Institutes for her dental training. She specializes in various procedures, including dental implants. She accepts most major dental insurance plans and offers many financial options. Request an appointment through her website or call (516) 3345.