Your Dental Insurance: Time to Use It or Lose It!
October 19, 2019
Dental insurance can be so confusing. It’s no wonder that billions of dollars in benefits are wasted every year! But how is this possible? Are you ready to take control of your insurance plan and save on dental care? With the right know-how, it can be easier than you think! Keep reading to learn some pro tips on how to maximize your insurance benefits from a dentist in Sunnyvale.
Know Your Yearly Maximum
Understanding your yearly maximum is the key to saving hundreds on your dentistry. This is the most your dental insurance is willing to pay for your dental care in one year. Typically around $1,000 to $1,250, this amount resets at the end of the calendar year, whether you use it or not. With only 2.8% of people ever reaching their maximum, it’s safe to say that insurance companies aren’t necessarily advertising that their benefits reset. That’s why it’s vital to utilize your maximum before the clock strikes midnight on December 31st.
Take Advantage of Your Deductible
Another number to keep in mind is your deductible. This is an annual fee that essentially unlocks your coverage for the year. Just like your maximum, this fee resets at the end of the year. That means it’s up to you to take advantage of your dental care once you’ve paid for it! Get root canals, dental crowns, or finish any other restorations you may need before the end of 2019.
Book Another Dental Appointment
Most insurance plans cover 100% of preventive visits like routine checkups and cleanings, making these appointments a great way to cash in on your benefits. The American Dental Association recommends biannual visits, yet millions of Americans still don’t see their dentist twice a year. But, if you want to stay healthy while utilizing your benefits, you can schedule another before January 1st! This will not only use up the benefits that you’re already paying for, but it will prevent you from undergoing more severe and costly procedures in the future.
Beware of Changing Plans
Just like your life plans, insurance plans tend to change. However, this is usually only done during the renewal period at the end of the year. While it’s possible for your premiums and benefits to stay the same, it’s also possible for them to vary. Premiums can go up while benefits go down, so it’s a good idea to take advantage of your plan while you know the exact terms.
Are you ready to start using the benefits you already pay for? Remember these tips for a healthy smile and a full wallet.
Meet the Dentist
Dr. George T. Philip is a native Texan who loves caring for patients in his community. He’s always taken pride in providing quality dentistry that is also affordable, which is why he is in-network with many PPO plans. For any questions, he can be reached through his website or by phone at (972) 285-6144.
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