Don’t Lose Dental Insurance Benefits as the Year Draws to a Close
Even a great joke can be ruined by bad timing. Just as timing is everything in comedy, it can play a major part in your oral health – specifically by affecting your dental insurance benefits.
Most dental insurance plans limit the maximum amount of benefits you can receive in a single year. The amount is most often in the range of $1,000 to $2,000. You can’t “save” this money for a rainy day – or anything else. You “lose” any amount that goes unused.
We want you to get the maximum benefit from your dental insurance, and we’re happy to help you do so. If you still have insurance benefits to use in 2018, call us now at 903-374-4406 to schedule needed dental services.
In the meantime, check out our tips for getting the most from your insurance plan. If you have questions about your dental insurance benefits or anything else, we’re happy to help. Just give us a call!
Use the Calendar to Your Advantage for Dental Insurance Benefits
Since many dental insurance plans cover the entire cost of dental exams and cleanings , we encourage you to schedule these visits for your whole family as soon as possible. During these appointments, we can often identify potential problems like cavities in their earliest stages, when they are less costly to treat. This helps you spend less overall while not exceeding your maximum benefits for the year.
For example, a simple tooth filling costs far less than a dental crown – and both of those restorations cost less than the root canal that may be necessary if decay gets into the soft center of your tooth and becomes infected.
Dr. Larry Folden, Dr. Bradley Westbrook, and Dr. Dylan Rutherford are also happy to work with you in scheduling non-emergency dental services so you won’t exceed your maximum dental insurance benefits. If you need two crowns, for example, you can get the first one in late 2018 and then get the second one in early 2019.
We’ll Help You Choose a Cost-Effective Option
We’ll be happy to discuss all your options with you so you can pick the one that makes the most sense for your smile – and your budget. Prices for a dental crown can vary, for instance, depending on the material used to make it. We’ll ensure you get a cost-effective option. This good tool from FairHealthConsumer.org can help you research typical dental costs in your area.
Select a Dental Insurance Plan That Suits Your Family’s Needs
Many people don’t get a choice of dental insurance plans. If you do, though, you’ll want to ensure you pick one that will best fit your needs. The two most common types of plans are a PPO and an HMO. Some of the key differences involve deductibles and dentist choice.
A PPO often fully covers dental exams, professional cleanings, and similar services. Other services may require you to meet a deductible before your benefits kick in. You may also still pay a percentage of the cost for other services. You can usually visit the dentist of your choice, though you may pay more for a dentist who isn’t in your insurance carrier’s network.
HMOs often don’t have deductibles, and they may not even have benefit maximums. You generally pay a fixed fee for all of your dental services. An HMO often won’t pay anything if you decide to use a dentist not in the company’s network.
Here are some questions to consider:
- Does the plan have a maximum annual limit for benefits? If so, what is it?
- Which treatments are covered? (For example, you’d probably like a plan that would pay at least a part of orthodontics treatment if you have children who need it.)
- Is there an out-of-pocket deductible for any services? If so, how much?
- Is there a waiting period before you can obtain coverage for certain procedures?
- Is visiting an out-of-network dentist an option? How will it affect your costs?
No Dental Insurance? No Problem
If you don’t have dental insurance or are facing significant out-of-pocket expenses for needed procedures, you do have other payment options . For instance, you may be able to get financing from third parties like CareCredit or LendingClub, which enables you to make small monthly payments for your services.
Again, we’re happy to answer any questions about your dental insurance benefits or any other aspect of your dental care. Call All Smiles at 903-374-4406.