Every year, millions of Americans miss out on billions worth of dental insurance benefits. The worst part is that many don’t even know this is happening. Dental insurance can be confusing, but if you know how to play the game, you can end up saving hundreds every year by using the benefits you’re already paying for. Thankfully, your dentist has provided some pro tips for maximizing your benefits while minimizing your out-of-pocket spending.
Remember Your Yearly Maximum
The most important number when it comes to your dental insurance is your yearly maximum. This is the amount of money your insurance plan is willing to shell out for your dentistry in the upcoming year. Benefits are typically around $1,000, and they completely reset on New Year’s, whether they’re used or not. Only about 2.8% of Americans ever reach their maximum, which is why over 100 billion dollars’ worth of dental insurance benefits get wasted every year. The key to saving your money is to know your maximum and to make an effort to hit that number before 2020.
Mind Your Deductible
Another number to keep in mind is your deductible. This is an annual fee that unlocks your dental coverage for the year. You only have to pay it once a year, but just like your maximum, this fee will reset at the end of 2019. That’s why it’s a good idea to wrap up any unfinished dental work you might have like dental crowns, bridges, or root canals before the year is over, so you won’t have to pay an additional deductible.
Schedule a Second Appointment
Dentists worldwide recommend biannual visits in order to keep your mouth healthy. However, millions of Americans still only see their dentist once or none at all. When you’re not seeing your dentist regularly, you’re wasting benefits you’re already paying for, and you’re putting your oral health at risk. Most insurance plans cover preventive visits like checkups and cleanings 100%, which is why these routine visits are a great way to cash in on your benefits. So, have you been to the dentist twice this year? If not, schedule an appointment while it’s still 2019!
Watch Out for Changing Plans
Unlike medical insurance, dental insurance plans can change relatively frequently. But this usually occurs during the renewal period at the end of the year. Premiums could go up while benefits go down, which is why it’s in your best interest to use your insurance while you still know the exact terms of your plan.
Are you ready to save money with your dental insurance? Use these tips to take advantage of your benefits while keeping your smile healthy!
Meet the Dentist
Dr. Drew Vanderbrook is a friendly and caring dentist who takes pride in creating exceptional experiences for his patients. He never wants finances to get in the way of quality care, which is why he accepts dental insurance and even has financing options for those without it. For any questions, he can be reached through his website or by phone at (214) 821-5200.