Do you enjoy losing money? Of course not! Do you get frustrated knowing that you’re paying for something only to realize you’re not using it to your full advantage? If you’re like many Americans, the realization that dental benefits don’t roll over is a shock, and the fact that your hard-earned money being used to pay for your plan is wasted can be difficult to hear, but unfortunately, it happens every year. If you want to stop losing unused benefits, hear from a dentist in Suwanee who offers valuable suggestions on how to get the most out of your dental plan.
Starting Over on January 1, 2020
On January 1, 2020, dental insurance companies across the nation will be the only happy individuals to see a $0.00 amount sitting next to your deductible and annual maximum. The reason for this is that with the end of each calendar year, your dental benefits start over. Nothing rolls over, and you must begin, again, to work toward your deductible and annual maximum.
As frustrating as this can be, it’s the reality of the situation. In fact, according to the National Association of Dental Plans, only 2.8% of individuals who have a PPO dental plan actually reached or exceeded their annual maximum. If you put off that expensive dental bridge or tooth extraction your dentist suggested, you will now be paying even more for a costly procedure that could have seen your insurance company paying for half, if not more, the previous year.
If you want to avoid this type of situation from happening to you, consider the following ways you can maximize your benefits and save yourself valuable money.
Take Advantage of Preventive Care
While all policies are different, it’s likely that your dental insurance coverage follows a similar set up:
- 100% preventive care
- 70-80% minor services
- 50-70% major services
Since your dental insurance company pays for most, if not all, of your preventive care, there’s no reason you shouldn’t get your two dental checkups and cleanings each year. These visits not only keep your teeth and gums healthy and clean, but they prevent future problems from developing, and you’ll spend little to nothing for high-quality dental care.
Listen to Your Dentist
When your dentist suggests a costly treatment or procedure, the first thing that comes to mind is probably “How much will it cost me?” But if you’ve spoken to your dental team about your insurance coverage and you discover you could save a lot of money by scheduling your surgery now, heed the advice of your dentist and do it! Would you rather spend hundreds or thousands on a particular treatment? If you’ve met your deductible, let your insurance company pay a majority of the price. It’s a win-win situation because you get the care you need for less!
Don’t wait for the clock to strike midnight on December 31. Review your insurance policy and call your dentist to find out how you can get the most out of your benefits while there is still time. Your wallet and your smile will thank you next year.
About the Practice
At Dentistry at Suwanee, our team of professionals want to help you reach your dental goals. Knowing that no matter what type of work you need, it can be expensive, we want to ensure you get the care you deserve at an affordable cost. With dental insurance, we can assist in making sure you maximize your benefits before the end of the year, recommending valuable procedures and treatments that will ultimately save you money in the long run. To learn more about us and how we can help you, visit our website or call (678) 381-2875.