Use Your Dental Insurance Benefits Before You Lose Them At The End Of 2021

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use your dental insurance benefits before they expire

If you have a dental insurance plan and haven’t visited our dentist lately, there’s still time to schedule your next dental appointment over the holiday. Do you know that your dental plan gives you a certain yearly “allowance” for benefits you’ll lose if you don’t use it? Why pay a monthly premium to keep an insurance policy that’s just going to waste?

In this post, you’ll learn more about how dental insurance works and how you can maximize your dental benefits before they expire.

Understanding Your Dental Insurance Policy

Dental Insurance and What It Covers

Dental insurance (also known as dental benefits) is an insurance policy that protects you from high dental care costs by paying all or part of your dental treatment costs. Every dental insurance policy has a benefit timeframe that usually runs from January 1st to December 31st. During this period, your insurance company will pay for a certain percentage of your dental health costs, up to a specific amount of dollars.

Some people assume that their dental benefits will roll over to the next year if they don’t use them in the current year. However, most dental insurance policies are not set up this way. Unused or leftover benefits are set to vanish when your plan expires on December 31st.

Most insurance plans cover 100% of teeth cleanings and dental exams twice a year, then begin to taper off at 50% or 80% for therapeutic and restorative procedures. So, if you’re not using those regular 6-month checkup schedules, you may lose all the benefits allotted to you when your plan resets in the following year.

Keep in mind that each plan varies, and your dental insurance provider has a breakdown of the benefits. So, check to confirm or familiarize yourself with your exact dental policy. Alternatively, you can talk with the team at Rose Family Dentistry to confirm your benefit or help you understand your plan details.

Yearly Maximum Can Expire

Dental health benefits come with an annual maximum with each insurance provider. The yearly maximum is the maximum amount of money your insurance provider will pay for your dental treatment in a given year.

All the dollars your dental insurance pays for your dental care comes from your yearly maximum. However, the annual maximum expires at the year’s end and does not roll over to the following year. So if you don’t max out your yearly maximum before the year ends, you will lose all unused benefits.

What Does It Mean to Maximize Your Benefits?

The annual maximum varies from plan to plan and typically falls between $1,000 to $2,000 a year. When you maximize your benefit, you use up all the dollars in your annual maximum before they expire.

If you haven’t maxed out your benefit or you’ve been contributing to a  Health Savings Account (HSA) or Flexible Spending Account (FSA), now is the time to find out your balance. The money in these accounts will most likely expire, so you must use them before December 31, 2021.

Don’t let your money go to waste! You can use your benefits or FSA and HSA funds at our office for any approved dental procedure – from cleanings to fillings or even advanced dental care.

Maximizing your Benefits For Routine Checkup and Cleaning

Don’t forget, most plans cover 100% of preventive care visits two times per year. This includes dental x-rays, teeth examination, and professional teeth cleanings. Even if you have no teeth bothering you, you should still visit your dentist to prevent dental issues and keep your oral health in tip-top shape.

If you want to maximize your benefits or you’re due for a checkup, schedule an appointment. We’ll provide you with the best dental services in Graham, NC, and coordinate your claims to limit your out-of-pocket treatment costs.

Affordable Dental Care: Prevent Emergencies and Avoid Future Price Increases

Dental problems can sneak up on us without presenting any symptoms until they become a major issue. A regular visit to your dentist will help spot any brewing problems and fix them when they are easy on you and your wallet.

Delaying treatments until they become serious may lead to emergencies or difficult and more expensive procedures. That’s why you shouldn’t wait until your teeth are hurting before you take action to address those dental issues and improve your overall health.

Moreover, due to COVID-19, there is an increase in the cost of protective equipment and operating a dental business. For this reason, some doctors are forced to adjust their charges at the beginning of the new year. So, having your dental issues fixed before your insurance plan expires is a great way to save your pocket costs.

Schedule Your Next Appointment Now!

If you’re due for a checkup or yet to max out your dental insurance benefit, now is the time to use your remaining benefits for the year! It may not be easy to find a spot with the holiday season closely upon us as our schedule is filling up fast.

Don’t wait to schedule your next appointment. Call (336) 227-1187 now and beat the holiday rush! For more information, contact us or read our FAQs to learn more about our services.

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