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Top 3 Reasons to Maximize Your Dental Insurance

November 6, 2019

Filed under: Uncategorized — houstondentist @ 7:34 pm

dental insurance formNow, more Americans than ever have dental insurance, but did you know less than 3% meet or exceed their yearly limits? If you’re among the 77% of Americans with dental coverage, you’re likely to lose hundreds to thousands of dollars in unused benefits. Your insurance policy will expire at the end of the year. Don’t throw money down the drain. Here are 3 reasons you need to visit your dentist in Montrose before the year ends.

  1. Reduces Your Long-Term Dental Costs

Dental care is designed with prevention in mind, which is why the American Dental Association recommends you see your dentist at least twice a year for a cleaning and checkup. Routine care reduces the risk of common oral health issues from occurring in the first place to prevent the need for a costly treatment down the road. In fact, every $1 spent on prevention can save you as much as $50 on restorative services.

 

Your dental insurance makes it easy to get the preventive care your smile depends on. After paying your monthly premiums, most insurance companies offer 100% coverage for 1-2 preventive appointments per year, like cleanings, checkups, and X-rays.

 

  1. Affordable Dental Care

If you’re like many Americans, you worry about a large dental bill. As a result, you may have chosen not to treat certain issues until it’s absolutely necessary, like a cavity. There’s no need to worry about an outrageous bill if you have dental insurance. Your policy allows you to get the care you need without breaking the bank.

 

Every insurance plan differs but most policies cover 50% to 80% of common restorative treatments after paying your annual deductible until you reach your yearly limit, which is usually $1,500. You’re given a yearly allowance to use toward the services you need to rehabilitate your smile.

 

  1. Your Dental Insurance Expires

At the end of the calendar year, your dental insurance expires. You will not be reimbursed for any unused funds, and they won’t carry over into the new year. You also won’t be refunded for your premiums or your deductible if you don’t use all your coverage.

Maximize Your Dental Insurance

Now is the time to make the most of your dental insurance before it expires. Your insurance company recommends you visit an in-network dentist to maximize your coverage because they have pre-negotiated rates with one another. You have the freedom to visit any dentist that accepts your policy, even if they are out-of-network. Your dentist will work on your behalf with your insurance carrier to reduce the amount you need to pay.

You’ve paid into your dental insurance all year. Don’t let it go unused. Visit your dentist before the end of the year to get a healthy smile for affordable rates.

About Tamborello Dental Associates

Tamborello Dental Associates is committed to creating generations of healthy smiles for affordable rates. We work with many leading insurance carriers to reduce the amount our patients pay for the services they need. If you have dental benefits remaining, contact our office today for an appointment.

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