If you’ve been keeping up with your dental insurance premiums all year, it’s time to cash in before plans reset at the end of 2017. If you don’t use any remaining dental insurance benefits you’ve accumulated for 2017, this coverage likely won’t be there for 2018. The first step you should take is to call your dentist’s office to schedule a preventive dentistry appointment. If you don’t already have a preventive dental practice home, now is a great time to find a dentist you can trust and schedule your new patient dental exam. Your new dental office will walk you through your dental insurance plan and help you maximize any remaining benefits.
Dental insurance plans typically have annual maximums. This is the highest amount the insurance plan will pay out in one plan year. The average dental insurance maximum is only about $1000, so knowing what this maximum is allows our team to help you make the most of your coverage. In many cases, we’re able to split the cost of advanced treatment between two plan years by performing treatments in two or more smaller procedures in two different plan years.
Some dental insurance plans also include deductibles. This means you’ll need to pay a certain amount before your dental insurance will kick in for coverage of certain procedures. This is especially true for more advanced dentistry procedures. If you’ve already met your deductible for the year and still need one or more services, it may be beneficial to take advantage of this opportunity to receive greater coverage before your deductible resets in the new plan year.
Premiums & Fee Increases
Each month you’ll pay a premium for your dental insurance coverage. In most plan years, the premiums increase, so take advantage of the money you’ve invested in dental care this year by scheduling an appointment with a trusted dentist to review your coverage. Additionally, dental fees, deductibles, and coverage percentages can change between plan years, and typically, that means you pay more money out of pocket. Take advantage of the lower costs before fees and premiums change in 2018.
Prevent More Advanced Oral Health Concerns
Most dental insurance providers cover preventive dentistry services at a very high percentage, typically, between 80 and 100%. By keeping up with your regular preventive care, you’ll take advantage of this coverage while simultaneously reducing your risk for more advanced treatments that are covered at a lower percentage. Preventive dental checkups are the most important aspect of any dental care plan to keep your smile healthy and avoid more advanced dental concerns.
Meet Dr. White
At the Evansville dental office of Melanie White, DDS, we are passionate about helping patients make the most of their dental insurance coverage. We’ll be happy to work with you to process and file insurance claims to make the most of your annual benefits. If you haven’t visited us for at least two dental checkups in 2017, now is the time to schedule your six month checkup appointment to maximize your preventive dentistry coverage. Call Maple Grove Family Dental, and the caring team will do the utmost to see you before the end of the year. If you want to keep up to date on the latest dental services and events in our Evansville dentistry practice, come back to read our blog regularly.