Dental Insurance: It’s Time to Use It or Lose It

October 14, 2019

Filed under: Uncategorized — guthrieddsteam @ 7:42 pm

Woman smilingCan you believe it’s already October? Just like that, it’ll be New Year’s before you know it. With the new year comes many deadlines, but there’s one you may be forgetting about. While your dental insurance may not have a real “deadline” you should be aware that most insurance plans restart on January 1st. This means that any benefits that you don’t use will be wasted and gone forever. Thankfully, there are some ways you can maximize your dental insurance benefits before the end of the year. See how you can save money by cashing in on your insurance while you still can from a Delta Dental dentist in Ardmore.

Don’t Waste Your Benefits

If you have dental insurance, you may be aware of the premiums you pay each month to receive your benefits. However, did you know that these benefits don’t roll over into the next year? Annually, Americans lose billions of dollars in unused insurance. If you’re already paying a deductible each year along with monthly premium payments, shouldn’t you be taking advantage of the dentistry your insurance is buying you?

How Dental Insurance Works

While each plan can vary, most dental insurance works by:

  • Covering 100% of preventive care like checkups and cleanings
  • Covering around 60% to 80% of regular restorations like fillings
  • Covering 40% to 60% of major restorative work like crowns

As you can see, your insurance favors preventive dentistry. If you think about it, it makes sense because your plan is giving you incentive to be proactive about your dental healthcare. Attending routine checkups and cleanings keep you healthy while preventing and detecting oral health problems while they’re still small.

How to Get the Most Out of Your Benefits

Because preventive visits are favored, the best way to utilize some of your dental dollars is to attend regular checkups and cleanings. You can do this at least twice a year, but the sooner you visit your dentist, the better it is for your benefits. If you can see your dentist earlier in the year, you can discuss the types of treatments you may need for the upcoming months. That way, you can plan out the way you use your benefits to cover dental treatments, minimizing your out-of-pocket spending.

You’re already paying for your dental insurance, so it’s about time you use it! Remember, any benefits that aren’t used will be lost at the end of the year. Take back control of your finances and health with these easy tips!

Meet the Dentist

Dr. Jamie Guthrie believes in quality dentistry that is also affordable, which is why she wants you to know these helpful ways of maximizing insurance. She is a proud Delta Dental Premier and HealthChoice Dental provider, allowing her patients to cash in on their benefits. For any questions, she can be contacted through her website or by phone at (580) 224-9600.

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