A majority of insurance benefits don’t carry over into the next year, which means once you get closer to the fall and winter seasons, it’s important to schedule an appointment with a dentist and make the most out of your visit. Unfortunately, many people aren’t familiar with their insurance or understand what’s covered.
That’s why today we’ll be going over the most common preventive treatments that are covered and how you can maximize them before the year is up.
Services Typically Covered by Dental Insurance
When it comes to services, preventive services are the most commonly covered because it shows insurance companies that you’re making an effort to avoid more costly procedures later in life. Those with a PPO plan can typically expect 70 to 80 percent of their bill to be covered when choosing these services. While it’s not common for a deductible to be met before these types of services are covered, it’s always important to check beforehand just to be sure.
The most commonly covered dental services include:
- Bitewing, periapical and full-mouth X-rays
- Fluoride treatments and dental sealants (age limitations may apply)
- Space maintainers (age limitations may apply)
Exams are typically covered twice a year as well as cleanings, which meets the American Dental Association’s recommendations. X-rays are usually only performed once a year, but this can vary depending on your needs. Full mouth X-rays are performed even less regularly and typically done every three years.
How to Maximize These Benefits
The first step to utilizing your benefits is knowing what’s included in your plan beforehand to avoid unexpected costs. If you have questions about your plan, don’t be afraid to contact your customer service representative for more thorough information. Ask questions about:
- Coinsurance amounts
- Annual deductible amounts
- The number of cleanings, X-rays and exams offered per year
- Your annual maximum benefit
If you’ve already met your annual deductible and you have extensive treatments to complete, now is the time to get them done. This will cause your out-of-pocket expenses to drop significantly and you’ll get your treatment covered.
Getting in the Habit of Routine Visits
If it’s been a long time since you’ve visited the dentist regularly, always take the time to schedule your next appointment before you leave. Routine visits have been proven to be more cost-effective in the long-term than waiting for a dental emergency to occur and pay a much higher cost later. It’s also the most ideal way to catch dental and systemic disease, therefore allowing your dentist to prescribe proactive treatment. Make dental visits a routine not just for you but for family members as well.
When was the last time you visited a dentist? Schedule an appointment today before your benefits run out!
About the Author
Dr. Anthony Bailey earned his dental degree from the Medical College of Virginia School of Dentistry. He enjoys working with patients of all ages and practicing the full spectrum of dental care that comes with treating everyone from children to seniors at the practice. To learn more about his dental insurance plans or other services he offers, you can contact him through his website.