October 31, 2020
Did you know that your dental insurance benefits expire on January 1st, 2021 and your plan renews? This means that any leftover benefits that you haven’t used will be lost and that you won’t be getting the best return on your investment. Read on for five tips that can help you maximize dental insurance benefits before the year ends.
Take Advantage of Covered Preventive Services
Many dental insurance companies use a 100-80-50 coverage structure, which means that they cover 100 percent of the cost of preventive care, like checkups and cleanings, 80 percent of the cost of other treatments, like cavity fillings, and 50 percent of more serious procedures, such as tooth extractions. Because of this setup, patients are able to save the most money by preventing oral health problems instead of allowing them to get worse, likely resulting in the need for a serious procedure. Instead of taking that risk, you can help keep your oral health on the right track by visiting your dentist twice a year for covered checkups and cleanings.
Visit a Dentist Who is In-Network with Your Plan
Do you know if your dentist is in-network with your dental insurance plan? This means that they’ve partnered with certain dental insurance companies, like Delta Dental, Aetna, Cigna, etc., and negotiated discounted rates and fees for services. They can then pass on those savings to patients who visit in-network providers instead of out-of-network ones.
If You Have an FSA, Don’t Forget to Use It
If you have a flexible spending account through your employer, don’t forget that you can use this to help pay for certain services from your dentist. Most dental expenses can be covered with FSA benefits. When you use these tax-free dollars to pay for services, you get more for your money, allowing you to stay in-budget and plan for any services that you’ll require in the coming year.
Try to Reach Your Annual Maximum
Most dental insurance plans have an annual maximum, which is a capped-off amount of money that your company is willing to pay for dental treatments in one year. The average maximum is typically between $1,000 and $2,000, but the best way to find out for sure is to contact your insurance provider directly and ask. At the beginning of the new year, all of your unused benefits will be lost, keeping you from getting the most out of your investment in insurance.
When utilized correctly, dental insurance plans can help you save money instead of sinking your money into nothing. With these five tips, you can get the most out of your benefits all while keeping your teeth and gums in tip-top shape.
About the Author
Dr. Charito Mangaya-Estrada has been practicing dentistry for several decades. She believes that all patients deserve high-quality dentistry that’s cost-effective, which is why she is a proud in-network provider for several PPO plans. She focuses on providing thorough preventive dental care to help her patients’ preserve their smiles so they can enjoy them for the rest of their lives. To schedule a checkup and cleaning, visit Estrada Dentistry’s website or call 757-548-1611.
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