More evidence than ever supports the mouth-and-body connection, making a healthy smile crucial to your overall wellness. With many dental issues linked to increasing the risk of several medical problems, like cardiovascular disease, routine dental care is vital for a healthy mouth and body. It’s easier than ever to get the care you need using your dental insurance. Although 59% of adults have private dental insurance, less than 3% meet or exceed their annual limits. Don’t throw money down the drain. Here are 4 ways to maximize your insurance benefits before they expire.
1. Visit a Dentist Every 6 Months
Your toothbrush and floss are effective in preventing common dental concerns, like tooth decay; however, the American Dental Association also recommends a cleaning and checkup at least twice a year. Unfortunately, 42% of Americans don’t see a dentist regularly, often because they are concerned about the cost.
You don’t need to worry about a large bill by paying your monthly premiums. Although every policy is unique, most cover preventive services 100%. You can lower your long-term dental expenses after paying your co-payment. Research shows every $1 spent on prevention can save up to $50 on restorative and emergency fees to save money down the road.
2. Don’t Wait to Treat Dental Problems
80% of Americans delay dental care, despite knowing it will cost more to fix in the long run. Even if money is tight, don’t wait to get the treatment you need because it can lead to a dental emergency.
You can avoid an unexpected trip to your dentist by using your coverage to resolve dental concerns. After reaching your annual deductible, your benefits can cover up to 80% of the cost until hitting your yearly limit, which typically ranges from $1,000 to $2,000.
3. Choose the Right Dental Team
Your dental insurance recommends choosing dentistry professionals in their network because they have pre-negotiated rates to provide more coverage at the time of services. You can still choose any practice that accepts your policy, even if they are out-of-network. You’ll have the freedom to visit any dentist or specialist for your specific needs, like a prosthodontist in San Diego. You can use your dental benefits at out-of-network practices, but you’ll have to pay the difference between their fees and your policy’s allowable amount.
4. Don’t Wait Until It’s Too Late
Your coverage doesn’t last forever. It expires at the end of the year. You won’t be reimbursed for anything you don’t use, and nothing will carry over to accumulate. You’ll lose everything you’ve paid throughout the year.
Time is running out to use your coverage. You can achieve the healthy, beautiful smile you deserve without straining your finances.
About Dr. Peter F. Johnson
Dr. Johnson is a board-certified prosthodontist. After earning his dental degree from the University of Pennsylvania, he completed 2 additional years of training in prosthodontics. His academic excellence has earned him recognition by Omicron Kappa Upsilon. He works with many dental insurance policies to keep his services affordable. Contact our office today to schedule an appointment.