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Your dental insurance benefits will reset by the end of the year, so it’s important to take advantage of them while they’re still available. Have you had at least two preventive checkups and cleanings this year? Is there an unfinished treatment that you still need to schedule? Here are 4 reasons why it’s better to use your insurance plan and see your dentist now instead of waiting until January.
1. The Yearly Maximum and the Deductible Will Both Reset
Your dental plan most likely has a maximum amount that it’s willing to pay for any sort of dental care. Said maximum will be reset once the new year starts; leftover money doesn’t roll over. Furthermore, most insurance carriers require you to pay a deductible – in other words, you’ll have to pay a certain amount for your care out of pocket before coverage kicks in.
It’ll be better for your wallet to schedule any necessary treatments and checkups now. Not only will you avoid having to pay the deductible again, but you’ll also get the most out of your plan by getting as close as possible to the yearly maximum. You paid for these benefits; it’d be a shame not to use them!
2. Routine Care is Usually Fully Covered
Many dental insurance carriers are willing to pay 100% for two regular dental cleanings and checkups each year. These visits make it easier to catch tooth decay and gum disease early on, saving you a lot of pain and trouble further down the line. If you have dental insurance, making these appointments is the least you can do to maximize your benefits.
3. Fees Might Go Up Next Year
Due to the cost of living as well as necessary expenses for keeping the practice going (such as paying for new equipment and materials), your dentist might increase their fees next year. That means your out of pocket costs will increase as well; factor in having to meet the new deductible, and the cost of any necessary treatment for saving your tooth could be much higher next year. Why take that chance when you can schedule now?
4. It’s Easier to Treat Oral Health Problems Early On
A small cavity can be repaired with a filling, but more extensive decay might call for a root canal. The longer you ignore a oral health problem (or let them remain undetected), the worse they’ll get – and that usually means paying for more expensive treatment.
In general, using your dental insurance now can potentially save you a lot of money later. Talk to your dentist about the current state of your oral health and see how using your benefits could help keep your smile healthy.
About the Author
Dr. Harbpinder Shevchenko loves to see people smile, which is why she became a dentist. She is constantly advancing her skills by attending education courses for various aspects of dentistry. Her Hampton practice, Smiles by the Sea, is happy to accept a wide variety of insurance plans. To schedule an appointment, visit her website or call (603) 926-8827.