Have you visited your dentist in Superior at least twice this year? If not, you’re not just putting your smile at risk; you’re also running out of time to use the dental insurance benefits that you’ve paid for. If you want to maximize your savings while also keeping your smile bright and healthy, don’t delay your treatment any longer. Put your dental insurance to good use before it resets at the end of the year!
What Happens to My Dental Insurance Benefits at the End of the Year?
If you have a dental insurance plan, there will be set amount of money known as the annual maximum that your carrier is willing to provide for dental care within a year’s time; in many cases, this will be based around the calendar year. Once the year is up, your insurance resets. If you haven’t used all the money set aside for the yearly maximum, it doesn’t roll over; basically, you lose it.
Why Is It Important to Use Dental Benefits?
Staying current with your premiums means that you’ve already paid for your dental benefits, but they can only save you money if you actually utilize them! Letting these benefits expire means leaving hundreds of dollars set aside for dental work on the table.
Furthermore, if you have already met your deductible for the year and already know that you’ll need a particular kind of treatment, you can reduce your out-of-pocket costs by paying for care now. (The deductible will be reset along with the rest of your benefits once the year ends.)
What’s the Best Way to Use Dental Benefits?
Even if your smile is perfectly healthy, you can still take advantage of your dental benefits by attending your regular dental appointments. Most plans will cover two preventive checkups and cleanings each year (which comes out to one visit every six months). In addition to using the coverage you’re entitled to, these appointments will also save you money in the long run by preventing cavities and gum disease from becoming too severe, at which point they might require extensive treatment.
Speaking of which, if you already know that you’ll need root canal therapy or another treatment that normally requires more than one visit, you should make the first appointment before the end of the year; that way you’ll use this year’s benefits while still having next year’s full yearly maximum to help pay for the rest.
Of course, you’ll need to adjust your plan based on your personal oral health needs and the specific services that your plan will help pay for. If you need help figuring out the most cost-effective way to care for your teeth, get in contact with your Hill Avenue Dental dentist in Superior today!
About Hill Avenue Dental
At Hill Avenue Dental, we take advantage of the latest technology – digital X-rays, intraoral cameras, same-day crowns, advanced cavity detection and so on – to bring your smile the high-quality modern care it deserves. We do everything we can for our patients to make them feel comfortable and welcome at our office. To schedule an appointment and start using your dental benefits, visit our website or call (712) 336-4895.