Do you have dental insurance? Each year, billions of dollars in dental benefits are wasted due to lack of knowledge on how to use them. Thankfully, your dentist has a guide on how to maximize your insurance as well as what treatments are typically covered. Keep reading to learn how to save money and take care of your oral health at the same time!
Know Your Deadline
Most insurance plans have a deadline at the end of the year that doesn’t allow benefits to roll over. So, if you have dental dollars that you can still use, they’ll be gone forever after December 31st. Make sure that you know when your dental insurance deadline is so that you can plan your treatment accordingly.
Your insurance plan has a yearly maximum that is the most amount of money they are willing to pay for dental work in one year. The key is to know this number and to try to reach or exceed it before January 1st to utilize all of your benefits before they’re gone with the year.
Take Advantage of Preventive Care
Insurance typically covers 100% of preventive visits like checkups and cleanings. You should see your dentist twice a year to utilize your benefits and get the oral healthcare that you need. This is a great chance for your dentist to prevent and detect early signs of cavities, decay, gum disease, and other issues that can’t be seen with the naked eye like oral cancer.
What Insurance Typically Covers
Most dental insurance plans will follow the 100-80-50 coverage structure. This means they cover:
- 100% of preventive care
- 80% of basic procedures
- 50% for major procedures
However, services covered can vary from plan to plan, so you should always check with your specific dental insurance. Cosmetic services are rarely covered with dental insurance, but you can always check to make sure. Basic procedures include treatments like getting fillings, while major procedures include significant restorations to your smile.
Get in to See Your Dentist Early
It’s important to see your dentist early on in the year to get your treatment plan. Once you have your treatment plan, you can check with your insurance to see what they cover, and you can schedule accordingly. Seeing your dentist early in the year also ensures that you’re utilizing your benefits before the December 31st deadline. Especially if you’re looking for a new dentist, try to find one at the beginning of the year so you can plan out your treatment and finances for the upcoming months.
Now that you know some tips on how to maximize your dental insurance, do you have a dental appointment set? See your dentist to get the most out of your insurance and take care of your teeth at the same time!
About the Practice
At Peaks View Dental, we have a team of 6 experienced and dedicated dentists who love providing quality care to their patients in Bedford. They take pride in accepting insurance and offering payment plans to provide quality and affordable dentistry. For any questions, they can be contacted through their website or by phone at (540) 586-8106.