If you have dental insurance, you might have unused benefits at the end of the year! Like regular health insurance, dental insurance benefits reset. Anything you haven’t used won’t carry over into the new year. Have you gotten the most out of your insurance? Here are some tips on getting the most value.
Check Your Plan’s Deductible & Annual Maximum
A deductible is what you pay out-of-pocket before your plan kicks in and starts sharing the costs of treatment. The annual maximum is the most your provider will pay within a year. When you’re in that sweet spot between the deductible and annual maximum, you can save a lot of money on treatments! If you wait too long, your deductible resets, so take advantage when you can.
Consider Breaking Up an Extensive Treatment
Sometimes, getting a bunch of treatments within a calendar year puts you over the annual maximum. You can avoid this by getting one part of a treatment at the end of the year and then completing it once the plan’s benefits reset. Not every treatment can be split this way, but we’re used to maximizing insurance benefits whenever possible.
Remember To Use Your Cleanings & Exam Benefits
Most insurance plans pay for two cleanings and exams each year. Don’t forget to take advantage of this benefit, which helps you avoid cavities, gum disease, and other oral health problems! Once the new year starts, any unused cleanings and exams don’t carry over.
Getting the Most From Your Insurance in Santa Teresa & El Paso
Dr. Oushy and the team at Santa Teresa Smiles take a holistic approach to dentistry, which means your overall health is always taken into consideration. Come visit our office for preventive, restorative, and cosmetic dentistry. We accept a variety of insurance plans, as well as CareCredit and LendingClub. Have questions about your insurance benefits or want to make an appointment? Please contact us today!CONTACT US