When is the last time you’ve seen a dentist? If you’re among the 35% of adults who don’t visit a dentist regularly, you’re about to throw hundreds to thousands of dollars in the trash. Your dental insurance benefits expire at the end of the year. With your oral health and overall wellness closely entwined, don’t miss your opportunity to visit your dentist. Here’s how to maximize your coverage to achieve healthy teeth and gums without spending your life’s savings.
Choose the Right Dentist
Your dental insurance company recommends choosing an in-network dentist to benefit from more coverage at the time of services. They have pre-negotiated rates with preferred dental practices for common treatments, so you’ll pay less out-of-pocket.
You can use your insurance at an out-of-network dentist, but you’ll be responsible for more costs. You’ll have the freedom to choose any dentist that accepts your policy and a wider selection of services. You must pay the difference between your dentist’s fees and your insurance’s allowable coverage.
Use Your Preventive Coverage
Paying your premiums gives you access to a nationwide network of dental professionals. Your policy covers 100% of the costs of preventive dentistry after a co-pay.
You can see your dentist every 6 months for a cleaning and checkup to keep your mouth healthy. You’ll avoid needing costly procedures later. Researchers have found you can save $50 on restorative fees for every $1 spent on prevention.
Don’t Delay Dental Work
If you need dental work, don’t worry about a large bill. After meeting your annual deductible, your dental benefits can pay 50% to 80% of the expenses for medically necessary restorative procedures, like root canals, dental crowns, and dentures. Your insurance will cover some of the costs until you meet your yearly limit.
Use It Before You Lose It
Unfortunately, your dental insurance doesn’t last forever. You’ll lose anything you don’t use before the end of the year. Nothing will carry over, not even your deductible. You won’t be reimbursed for your premiums, even if you never see your dentist.
Less than 3% of Americans reach their annual limits, which accounts for billions of dollars lost every year. Don’t lose what you’ve paid for. Your dentist will work on your behalf with your dental insurance to make the most of your coverage. You can invest in a healthy mouth and body by using your dental benefits.
About Dr. Theresa Lassetter
Dr. Lassetter attended the University of Texas Health Science Center School of Dentistry for her dental degree and has regularly continued her education in many specialties, including dental implants and clear aligners. She accepts most dental plans, like Aetna, Humana, and BlueCross BlueShield. Request an appointment through her website or call (254) 848-0240.