Do you want to keep your teeth and gums healthy? Do you enjoy being able to save money? Guess what? You can do both by simply using your dental insurance benefits! Each year, millions of people lose money on unused benefits, totaling more than $150 billion. With the holidays quickly approaching, don’t you want to ring in the new year with a smile that will be the envy of others? Discover what you can do to keep more money in your pocket and still achieve a beautiful, healthy smile.
Are You Cleaning Your Teeth Twice a Year?
Preventive care is the most important and effective way to keep your teeth and gums healthy. In combination with good at-home oral hygiene habits, you can keep tooth decay and gum disease from forming. Most insurance companies will cover two annual visits to your dentist at 100%. That means, you pay nothing out of pocket for these regular checkups and cleanings. It also means that you are being proactive at preventing problems from occurring or worsening, both of which will make you and your insurer happy.
Are You Wasting Your Deductible?
Your deductible is a goal you should aspire to reach when you enroll in a dental insurance plan. Now, you shouldn’t go out and purposefully cause harm or damage to your mouth, but you should understand that once you reach your deductible, it’s in your best interest to take advantage of any costly procedures or treatments you need. The reason is that your insurance company will pay more of your bill than you. On average, you can expect your insurer to cover anywhere from 70-80% for minor services (i.e. dental fillings) and 50-70% for major services (i.e. dental crown, root canal).
If you wait until 2020 to have these types of services, you’ll not only be putting your oral health at risk of becoming much worse, but you’ll also spend more because you’ll need to reach your deductible again.
Do You Want to Risk Increasing Fees?
Although it might not happen each year, insurance companies are known to raise rates and increase fees. In 2020, you might be paying a higher premium or notice that a particular treatment may now cost you thousands instead of hundreds of dollars because it’s no longer covered. Although you can’t stop it from happening, you can take care of your oral health now instead of waiting to see what happens next year.
Don’t let 2019 slip by without talking to your dental team about ways to maximize your insurance policy. Their expertise can help you navigate and better understand what you can do to save the most money and continue to receive the highest level of care.
About the Author
Dr. Mark Lawton has more than 20 years of dental experience and believes in the importance of helping patients get the most out of their dental coverage. Not only does he provide high-quality dental care, but Dr. Lawton and his team want to ensure you make the most of the benefits you’re already paying for each month. From preventive care to restorative and cosmetic, let our team help you navigate your insurance policy and determine how best to care for your teeth and gums while saving you the most money. Contact us at (281) 447-2186 to learn more.