The end of the year is quickly approaching. As you make plans for family gatherings and the perfect holiday gifts, do not forget to schedule an appointment with your dentist. If you have dental insurance, your benefits are about to expire if you do not use them. On average, less than 3% of Americans meet or exceed their coverage every year. Therefore, you likely have many savings opportunities still available to help you achieve a healthy, beautiful smile.
Protect Your Smile
Routine dental appointments are equally as important as brushing and flossing. A professional cleaning allows your hygienist to remove harmful tartar accumulations that can lead to gum disease while a thorough checkup detects oral health concerns early. With quick detection, you decrease your need for a costly treatment in the future. In fact, every $1 spent on prevention reduces the cost of restorative and emergency services by $8 to $50.
Since you have dental insurance, you can benefit from two semi-annual visits each year. Without coverage, you would pay an average of $80 to $320 for these appointments. By paying your monthly premiums, you can visit your dentist twice a year for little to no out-of-pocket expense.
Rehabilitate Your Oral Health
Even with the best prevention, complications can still develop, like tooth decay and gum disease. To quickly rehabilitate your dental health, your insurance provides you with 50% to 80% coverage for restorative treatments after you pay your deductible. Depending on your specific policy, you are given $1,000 to $1,500 per year for each family member to use toward these treatments to keep your smile healthy.
Don’t Lose Your Benefits
At the end of each calendar year, your benefits expire. They do not carry over for accumulation and you will not be reimbursed for your premiums or your deductible if you do not use them. This could result in thousands of dollars being thrown down the drain if you do not visit your dentist now.
To make the most of your policy, it is recommended you visit an in-network dentist. They have pre-negotiated rates with your insurance company to decrease the amount you will need to pay. Although it is best to visit one who is in your network, you still have the freedom to choose one who isn’t. You can still use your coverage, but you will need to pay the difference between the dentist’s fees and your insurance’s allowable coverage.
Schedule an Appointment Today!
If you have remaining dental benefits, do not let them go to waste. Although it is a busy time of year, keep your oral health a priority and schedule an appointment before December 31st.
About Dr. Melanie White
Dr. Melanie White strives to help her patients achieve healthy smiles. She provides comprehensive dental services to promote the health of your teeth and gums. As an in-network dentist for many leading insurance companies, she will work on your behalf to lower the amount you need to pay out-of-pocket. If you have remaining benefits, do not wait. Contact our office today to schedule your appointment.