Using Your Dental Benefits Before the Year Ends
As we head into the twilight hour of 2017, as well as the hectic holiday season, it’s important to consider how much of your dental insurance benefits you’ve used up. Since using all of your dental benefits before the year’s end saves you money, why not go ahead and schedule that appointment?
Many insurance plans run on a traditional calendar year whereas others follow a fiscal year. If your dental plan follows a traditional calendar year, you’ll probably be able to save hundreds of dollars. If your dental plan follows a non-traditional calendar, you might want to look into switching plans.
For those of us who have a dental plan that follows a calendar year, there are five excellent reasons to set up your dental appointment now.
1. Starting over
Most dental insurance plans have a yearly maximum for dental work. It varies from company to company, but the average for most policies ends up being around $1,000 each year, per person. Your yearly maximum will likely reset on January 1st. Any benefits you didn’t use this year will not rollover to the next, so you should scoop them up while you can.
2. Renewed deductibles
Just like your yearly maximum, the amount of out-of-pocket money you’ll pay your dentist will reset with the new year. This fee changes from one plan to another and is probably higher if you go to an out-of-network office. Fortunately, most dental deductibles are around $50 each year.
3. Make your premiums worth it
Even if it’s a small amount, if you’re paying a monthly premium for your dental insurance, you should be utilizing your benefits. If you’re in good oral health and don’t need any treatments right now, be sure to have your regular dental cleanings taken care of as they will allow your dentist to spot any signs of developing cavities, oral cancer, gum disease, or other dental concerns.
4. Fees may be increasing
If the first three reasons weren’t enough to convince you to call your dentist, this one might take the cake. With the new year, it’s possible your dentist will raise his or her rates due to the increased cost of materials, equipment, and living, etc. When this happens, your copay may also increase. Therefore, if you need to see a doctor, now is the time to get it done.
5. Problems can develop
If you’re avoiding going to the dentist because you’re experiencing dental problems, you’re just going to make it worse. Delaying treatment of serious concerns will lead to more expensive work and procedures down the road. If you have one small cavity now, it can turn into a root canal later after your deductible has been reset (see what we mean?).
If you’d like to take advantage of the rest of your dental benefits for the year, be sure to call the experienced team at Dental Arts Dr. Deb Cassill. We work with you to make sure we are meeting all of your dental health needs while being mindful of your insurance benefits. Give us a call today to schedule your appointment.