Most dental insurance plans run on a calendar year as opposed to a fiscal year so you could save hundreds of dollars by taking advantage of your dental insurance before the end of the year. Something you probably haven’t thought about. There are five reasons why you should schedule your next dental appointment so you can save money down the road.
Use Up That Yearly Maximum
The maximum amount per year your dental insurance plan will pay for your dental work. Depending on the company you use, this amount will vary but the average is around $1000 per year, per person. Once the calendar year has changed your yearly maximum will renew but those unused benefits will not rollover so plan wisely.
Also remember the maximum your insurance will pay. If you need dental treatment and your insurance company has already paid the full amount they are willing for that calendar year, you will have to pay the extra expenses out of pocket and that can be costly.
This fee varies with each plan but can be higher with an out-of-network dentist. The deductible is the amount you must pay before the insurance company will pay for any services. The average is usually about $50 per year and like the yearly maximum this amount starts again when the plan rolls over.
Just remember that you have to spend some money for your insurance to cover your expenses. The deductible might already be paid if you have used insurance this year or you might be well on your way to getting it paid.
You should be suing your benefits if you are paying a premium every month. It doesn’t matter if you don’t need dental work done, you should at least get regular cleanings to prevent cavities, gum disease and other dental problems. Detecting these early problems will save you in the long run, both in time and in money. A lot of problems can easily be fixed without resorting to drastic measures.
No one wants to pay more for a service but fee increases are a part of life. Some dentists raise their rates at the start of the year to cover the increase cost in living expenses, materials and equipment so it’s a good idea to use up that dental insurance before the year ends. Don’t be surprised if your copy is also higher.
Don’t Wait to Fix Dental Problems
It’s never a good idea to delay treatment. If something is bothering you get it checked to avoid more extensive and expensive treatment later. Something as simple as a cavity, can soon turn into a root canal; so make that call to your dentist to schedule your next appointment and use those benefits.
It’s always good to look at what your insurance can offer you and how you can save money. You can address dental needs right away instead of waiting until the next year to save a little extra. Check with your dental insurance to see what benefits you have used and what might still be available to use up in the year.