4 Ways to Maximize Dental Insurance Benefits

October 17, 2021

Filed under: Uncategorized — Tags: — dr_donnelly @ 1:33 am

Appointment with dentist in San Marcos circled on calendar The American Dental Association (ADA) recommends visiting your dentist in San Marcos at least twice a year for preventive dentistry; however, 35% of adults haven’t had an appointment within the past 12 months. Despite 59% of adults having private dental insurance, 41% of Americans are concerned about out-of-pocket expenses. Unfortunately, if you’re not seeing your dentist, you’re throwing money down the drain. Your policy is an investment in reduced dental costs to keep a healthy smile affordable. Here are 4 ways to maximize dental insurance benefits before they expire.

1. Choose the Right Dentist

Your dental insurance recommends choosing a dentist that’s in their network because they have pre-negotiated rates for specific services, like cleanings, checkups, fillings, tooth extractions, and more. You’ll benefit from more coverage at the time of service, but you can have limitations in your treatment options. You have the freedom to visit an out-of-network dentist to get more personalized care. However, you’ll have to pay the difference between their fees and your insurance’s allowable amounts, which can lead to higher out-of-pocket expenses.

2. Schedule a Cleaning and Checkup

Besides brushing and flossing, your smile also relies on routine care from a dentist. You can have a cleaning and checkup every 6 months by paying your monthly premiums. You’ll keep your teeth and gums healthy to avoid unforeseen dental expenses down the road. Research shows every $1 spent on preventive care saves up to $50 on restorative services. Even if you don’t have dental concerns, maintain your semi-annual appointments to invest in optimal oral health for minimal cost.

3. Don’t Delay Dental Procedures

According to the ADA, 80% of Americans delay dental care, despite knowing it will cost them more in the long run. You don’t have to worry about a large bill. After reaching your annual deductible, your insurance can pay up to 80% of the cost of common treatments, like fillings, root canal therapy, and dentures. You can use your annual benefits to offset the amount you pay to restore your dental health without depleting your bank account.

4. Don’t Wait Until Your Benefits Expire

Your dental insurance doesn’t last forever. It expires at the end of the year. Only 2.8% of Americans meet or exceed their annual limits, which typically range from $1,000 to $2,000. Anything you don’t use won’t carry over into the new year, and you aren’t reimbursed for anything you don’t use, including your premiums and deductible. Don’t miss the opportunity to achieve a healthy smile without the stress of a large bill.

You can keep your oral health a priority by maximizing your dental insurance benefits. You’ll enjoy the affordable services you need for a healthy, beautiful smile.

About Dr. Robert Donnelly

Dr. Donnelly earned his dental degree at The University of Texas Health Science Center before continuing his training at the Las Vegas Institute. He has also achieved the status of Master of the Academy of General Dentistry. He accepts most PPO plans to keep comprehensive dentistry affordable for everyone. Contact our office today to use your benefits before they run out.

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