October 20, 2019
Every year, over 100 billion dollars in dental insurance is wasted, meaning that millions of Americans are missing out on their hard-earned benefits. But how is this possible? Because most people don’t know the important in’s and out’s of dental insurance. But, with a little knowledge, you can save hundreds each year while keeping your smile healthy. Keep reading to learn how to take advantage of your dental benefits before they’re gone forever!
Use Your Benefits While You Still Have Them
An important number to know when it comes to your insurance is your yearly maximum. This is the most your dental insurance is willing to pay for your dentistry in one year. The typical maximum is around $1,000, and it resets annually. That means, whether you use all or none of it, this number will renew when the clock strikes midnight on December 31st. With only 2.8% of Americans ever reaching their maximum, it’s no wonder that billions of dollars in dental insurance benefits are wasted every year. And, you can bet that the insurance companies aren’t necessarily advertising this little secret.
See Your Dentist Twice a Year
Dentists worldwide recommend that you should attend routine dental appointments at least twice a year. However, millions of Americans still only attend one or none at all. Without even knowing it, these people are putting themselves at risk for more serious and pricey treatments in the future, but they’re also not utilizing the current benefits they’re already paying for. Most dental insurance plans cover 100% of preventive visits, making regular dental checkups and cleanings an easy way to cash in on your benefits. So, go ahead and schedule your second appointment before 2020 if you haven’t already!
Make the Most of Your Deductible
Your deductible is a fee that you pay once a year, usually around $50. This unlocks your dental coverage for the next 12 months, but just like your maximum, it will reset at the end of the year. So, while you’ve already paid your deductible, it’s in your best interest to wrap up any unfinished dental treatments you may have like a root canal or dental crowns.
Beware of Changing Plans
It’s normal for the terms of your dental insurance plan to change, but this usually only occurs during the renewal period at the end of the year. Your premiums could go up, or your dental benefits could go down, which is why it’s always a good idea to take advantage of your plan before 2020 comes around.
Are you ready to save money and stay healthy? Keep these tips in mind for maximizing your insurance benefits while minimizing out of pocket spending in 2019!
About the Practice
At Columbian Square Dental, Dr. William Olafson and Dr. Jacinthe Giroux offer all the dental services you need to stay healthy and happy. They never want finances to get in the way of quality dental care, which is why they accept insurance and even have new patient offers for those without it! For any questions, they can be reached through their website or by phone at (781) 337-6644.
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