You want to get the most out of your annual dental insurance benefits. Dental insurance plans are typically based on the traditional calendar year. If your dental insurance is based on the calendar year, there are a number of ways that you can save money by using your benefits before December 31st. Here are a few reasons why you should use your benefits by the end of the year.
Utilize Yearly Maximum
When you have dental insurance, your provider will have a yearly maximum. This is the most that they will pay for your dental procedures within one full year. While the amount the insurance company will provide differs based on the company, the yearly maximum renews at the beginning of the new year and unused benefits don’t roll over. Utilizing all of your benefits while they’re still active will ensure that you get the most out of your benefits and you don’t leave money on the table.
Meet Your Deductible
Whenever you visit the dentist, there is a deductible that you will have to pay before your dental insurance company will step in. The amount of your deductible depends on the provider’s plan. If your dental insurance provider works on a traditional calendar, your deductible will renew at the start of the year. Using your benefits before the end of the year will ensure that you get the most out of your annual deductible.
Get Value from Premiums
If you have dental insurance, you’re paying premiums on your plan every month. These premiums pay for your plan. Even if you don’t need any dental procedures done, you should still make sure to have regular cleanings, usually allowed once every six months. These cleanings will ensure that you remain healthy and will allow you to prevent future cavities or gum disease, something that could be very costly down the road. Having these cleanings will also ensure that you get value for the amount you spend on your premiums.
Prevent Worsening Dental Problems
If you are in need of a dental procedure, that problem may worsen the longer you wait to have it done. A current issue that could require a simple fix could worsen to the point where you need a much more expensive procedure. Since you already have dental insurance, you should use those benefits to have whatever is needed fixed before any further problems arise.
Dental insurance is designed to help you pay for any dental procedures that you might need. There are several benefits that can be gained by using your benefits by the end of the calendar year. If you’re in need of a dentist in Aliso Viejo, CA, and want to use your benefits before the end of the year, contact Turner Dental Care.