The clock is ticking, and with only a few months before 2020 arrives, the time to use your dental insurance benefits is now. With the holidays right around the corner, it’s likely your schedule will become more hectic, making it much more difficult to find time to see your dentist; however, if you want to save money, keep a healthy smile, and prevent your unused benefits from going back to the insurance company, you should find out what you need to do to make the most of your plan while there’s still time.
No Benefit Rollovers
As unfortunate as it is, your dental benefits do not roll over at the start of each new year. While other types of insurance companies may let you do this, don’t count on your dental insurer being one of them. Your deductible and annual maximum are reset to $0 on January 1, 2020, so anything you’ve accrued throughout 2019 will disappear.
This reality is one of the reasons millions of people lose hundreds or thousands of dollars each year in unused benefits. To keep from being one of these unlucky individuals, here’s what you can do:
Schedule Your Second Cleaning
Even if you’ve already had one checkup and cleaning this year, make sure you take advantage of your second visit before the year is up. After all, your insurance company believes in the importance of being proactive about your oral health. Don’t believe it? Check your plan! Most insurers will cover 100% of preventive services. The reason is so that you’ll be less likely to develop problems later on, which means the greater the chance they’ll be responsible for paying more for the treatment and procedure you receive.
These regular dental visits are just one way you can take care of your oral health now without waiting for payday.
Don’t Pass Up Your Deductible
Your deductible is a crucial part of your dental plan. The lower the deductible, the sooner you’ll be able to let the insurance company pay more for the services you need. If your dentist alerts you to a cavity that needs filling and you discover you’ve met your deductible, it’s in your best interest to have that tooth taken care of before the year is over. Waiting until 2020 will not only put off an important procedure that could lead to worsening oral health if left untreated, but it will require that you meet your deductible again before your insurance company will pay.
You’ve got limited time left in 2019, so don’t wait any longer! Talk to your dental team today to find out what you can do to maximize your benefits and keep the insurance company from taking more out of your pockets.
About the Author
Dr. Kelly Blair attended the University of North Texas before being accepted into the dental program at the University of Texas Health Science Center at San Antonio. Earning her Doctor of Dental Surgery in 2005, she received valuable experience and knowledge while living in various cities throughout the U.S. during her husband’s military assignments with the U.S. Army.
Dr. Blair knows dental work can be costly, which is why she wants you to get the most out of your dental insurance policy. Allowing our team of professionals to help navigate you through the process, you can feel confident knowing your oral health is in great shape, and your money is safely tucked away in your wallet instead of in the hands of the insurance company. To learn more, contact us at (817) 737-5155.