Dental Insurance Benefits: Use Them, Don’t Lose Them!
Make Use Of Your End-Of-Year Dental Insurance Benefits
It's hard to believe, but the countdown to the New Year is right around the corner.
As you are beginning to plan and make your holiday to-do lists, consider if you or anyone in your family is in need of dental care.
There is only a little over a month left to get the most out of your dental benefits.
December 31, 2018, is the end-of-year mark for most dental insurance companies.
Affordable dentistry is a possibility, as long as you take advantage of the end-of-year benefits that your dental insurance has.
Let's take a look at what you can do with your dental insurance before 2019 starts.
How To Use End-Of-Year Dental Benefits
Most dental insurance policies allow for a specific dollar amount of coverage each calendar year.
If you fail to use it, unused coverage does not carry over to the next year.
However, wait - there's good news!
You can still take advantage of your dental benefits before they run out on December 31st.
Here are a few reasons why you need to act now:
- Yearly Maximum. This is the maximum amount of money that the dental insurance plan will pay for your dental work within one full year.
Although this amount varies by insurance company, the average is around $1,000 per person every year.
The yearly maximum usually renews every year (on January 1 if your plan is on a calendar year).
If you have unused benefits, these will not roll over.
- Deductible. This is the amount of money that you must pay to your dentist out-of-pocket before your insurance company pays for any services.
Deductible amounts vary from one plan to another and could be higher if you choose an out-of-network dentist.
The average deductible for a dental insurance plan is usually around $50 per year.
Your deductible starts again when your plan rolls over.
- Premiums. If you are paying your dental insurance premiums every month, you should be using your benefits.
Even if you don’t need any dental treatment, you should always have your regular dental cleanings to help prevent and detect any early signs of cavities, gum disease, oral cancer, and other dental problems.
- Fee Increases. Some dentists raise their rates at the start of a new year due to the increased cost of living, materials, and equipment.
A fee increase can also make your copay higher.
- Pediatric Dentistry. If your child has dental treatment to be completed or has not had a dental check-up this year, why not take advantage of your remaining benefits for the year?
This can help alleviate emergency dental visits, prevent missed time from school, and prevent dental problems from becoming more significant and more costly down the road.
Don’t Let Your FSA or HSA Dollars Disappear
Along with dental benefits, Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA) benefits expire at the end of the year.
If you haven’t met your yearly maximum, the remaining amount likely won’t roll over into the next year, therefore resulting in a lost opportunity to make the most of those dollars.
Consider these treatments:
Preventative services - This can include cleanings, sealants, fluoride applications and other treatments designed to minimize tooth decay.
Treatment for existing disease – This includes x-rays, fillings, extractions, dentures, and bridges.
Dental crowns - You must need the crown to restore function – not just make a cosmetic improvement.
Be sure your provider indicates such on any bill before you make payment.
Dental implants - The extraction and surgical procedure to install the posts are also included.
Like crowns, you must need the implants to restore proper biting and chewing function.
Get An Early Start To Your New Year's Resolution!
Don't lose your dental insurance benefits!
At Hylan Dental Care, our goal is to provide the highest-quality dental care possible - all while helping you get the most out of your benefits.
Schedule a visit with Hylan Dental Care for any oral health needs you want to take care of before the end of the year.
Click the link below and get one step closer to your new smile for the holidays!