This time of year, you live by your to-do list. You have so many things to get done before 2020 rolls around, especially with the holiday season just around the corner. But have you taken care of your dental work? Have you visited the dentist lately to care for your teeth? If the answer is no, you’re missing out on dental insurance benefits that you’ve already paid for. In this post, you’ll learn more about dental insurance and why you really need to see the dentist before the end of the year.
How does dental insurance work?
In some ways, dental insurance is similar to medical insurance. Throughout the year, you’ve paid for dental insurance out of your paycheck, but do you really understand how dental insurance works? Your monthly premiums cover a certain percentage of your dental treatment. You typically have a deductible you need to meet, at which point, dental insurance kicks in to cover part of the cost. However, dental insurance differs from medical insurance in that there is a yearly maximum amount that your insurance can contribute to your treatment.
What benefits does my insurance plan provide?
Although every dental insurance plan can differ from the next, many have benefits that look like these:
- 80 to 100 percent coverage for preventive services. In other words, two dental cleanings and checkups per year.
- 70 to 80 percent coverage for minor restorative services like tooth-colored fillings.
- 50 percent coverage for major restorative services such as dental crowns.
In general, dental insurance strongly supports avoiding oral problems through prevention because these small preventive measures cost significantly less than treating issues later on. As a result, when you take advantage of these benefits as soon as possible—instead of waiting until later—you also save money with lower out-of-pocket costs.
Why should I use my dental insurance benefits before the year ends?
At your job, you likely have vacation days, and if you have some left over within a given year, the extra days are added on to the next year’s paid time off available. Dental insurance, however, doesn’t work that way. Your plan’s benefits reset on January 1, which means that you forfeit any unused benefits. Just like it wouldn’t make sense to pay for a plane ticket and then decide to stay home, it doesn’t make much sense to not take advantage of your benefits while you have access to them.
The end of the year is fast approaching, but you still have enough time to take care of any dental work that you need. If you have benefits that you haven’t used, act quickly! That way, you don’t leave money on the table, and you make sure that your smile doesn’t cost you more down the road.
About the Practice
Remmers Dental Group has three dentists on staff, allowing them to offer both early and late appointments to busy patients. They are in-network with Delta Dental Premier, Aetna PPO, and Guardian, but they are happy to work with out-of-network plans as well. If you have a dental insurance question, you can contact Remmers Dental Group by calling (502) 499-0234 or clicking here.