Most assume that dental insurance is something that only gets used when a specific dental treatment, such as dental crowns or root canals, are required. The truth is that as the year draws closer to a conclusion, there are 5 reasons to use your end of the year dental benefits soon. You’ll be amazed by how much money you save when you do.
Get the Most out of Your Dental Insurance from One Year to the Next
Most dental insurance plans have been set up in a way that they’ll pay for a specific amount towards dental treatments during a calendar year, but don’t carry over to the next year. In most instances, the amount of work the company covers is $1,000 for each person included in the plan. Since the amount resets rather than carries over after the first, it’s in your best interest to use the full $1,000 per insured person from one year to the next.
Avoid Premium Increases
One of the main reasons that individuals who require additional dental work avoid having it done is because they’re worried that if they have the work done, cost of their dental insurance plan will sky-rocket. The truth of the matter is that there’s a chance that the cost of your premiums could increase anyway, and that the dental insurance company would far rather you file a small claim to have minor dental work done, such as having your teeth cleaned and cavities filled right away rather than delay the process until you require extensive and costly procedures.
It’s likely that your dental insurance plan has a deductible which you’ll have to pay out-of-pocket for any dental work you require. Management of the deductible varies from one dental insurance company to the next, as a rule, once your dental work has exceeded the deductible for one year, you won’t need to worry about it until the next year, when your entire dental insurance policy resets.
Dental Problems Grow Worse
The most compelling reason to have necessary dental work done before the end of the year, rather than putting it off, is that the problem won’t improve with time. The opposite will take place. Getting the work done right away will save you a great deal of money and discomfort.
Wildflower Dental & Orthodontics proudly accepts many dental insurances, a full list of which you can find here on our insurance page We believe preventive care, regular check-ups, and taking care of problems earlier rather than later is the best way to reduce your dental costs. If you’re ready to get in your end-of-the-year appointment, give us a call today!