Did you know that every year hundreds of dental insurance dollars go unused? This is because many patients don’t know how their benefits work and they don’t realize they have more benefit they can use. Now is the time of year to do it because most plans run on a calendar year system, which means that your dental benefits will end in December. Here’s how it works and how you can maximize your own benefits.
Dental Insurance 101
Most dental plans run on a calendar year, which means that benefits start January 1st and end on December 31st. During that year, there is maximum amount that your insurance company will pay for treatment. This amount is different for every plan, but it’s typically in the range of 1000 to 2000 dollars. These dollars don’t roll over into next year’s benefit, so it’s important for you to use them this year or lose them.
Dental plans typically have a yearly deductible to be met before they cover treatment. This amount can range from 50 to 200 dollars. Your deductible also renews each year, so if you’ve already paid it this year, but you still have remaining benefit dollars, you should schedule any outstanding treatment before your deductible renews.
What Does My Dental Insurance Cover?
Typically dental insurance plans cover most, if not all of your preventive care. This means there may be no out of pocket cost for you to receive your routine cleaning and checkups. These visits are critical for preventing many dental issues such as gum disease, oral cancer, and tooth decay.
Treatment procedures are generally covered at a percentage that is different for every dental plan. Your dentist’s insurance coordinator can review the fee and payment schedule that is specific to your plan with you so you have a clear understanding of your out-of-pocket responsibility for treatment.
Why Should I Schedule My Appointment Now?
Ensuring that you’ve had both of your routine preventive visits during the year, and scheduling any outstanding treatment guarantees that you’re making the most of your dental benefits. You’ll be able to use any remaining dollars you might have, while getting the treatment you need to maintain your oral health.
Protect your oral health by calling your dentist today to determine how much benefit you have remaining and what procedures to schedule.
About Orban Family Dental
Dr. Filip E. Orban and his team strive to provide exceptional dentistry to patients in Coeur d’Alene, ID, every day. Personalized attention and comprehensive care are the reasons that he’s the dentist in Coeur d’Alene that patients trust.
If you’d like to get in touch with our office you can reach us at 208-209-5671, or through our website.