12 Dec Using Your Dental Insurance Before the End of the Year
Many people are unaware that they could save hundreds of dollars by utilizing their dental insurance benefits before the year comes to an end. This is especially true for people whose dental insurance plans are based on a calendar year, rather than on a fiscal year. If your insurance plan runs on a fiscal year, you might want to switch to one that runs on a calendar year. This way the end of your current policy doesn’t just creep up on you. You should take advantage of the saving opportunities discussed below by our dentists at ThoroughDent Smiles in Georgetown KY.
Making Use of the Annual Maximum
Each dental insurance plan comes with a maximum amount of money that the insurer will pay towards your dental care each year. That limit automatically expires at the end of each year and is renewed at the start of the following year. Dr. Jordan Smith, an emergency dentist in Georgetown KY, explains that you should make use of the annual maximum in your dental care insurance policy because that amount will not roll over into the new year. For this reason, it is important for you to use your dental insurance before the end of the year so that you don’t leave all that money on the table.
For example, if the maximum amount your insurance will contribute to your dental care is $1,000, it doesn’t make sense for you to leave all that money as the year ends.
Getting Value from Your Deductible
Every insurance policy comes with a deductible, which is a pre-agreed amount of money that the policyholder must pay towards a service before the insurer steps in to meet the additional costs. For example, the deductible on your dental insurance plan could be $50.
Such a deductible means that you will spend $50 out of pocket each year before the insurer meets the other costs up to the maximum. Note that the deductible can vary widely from one policy to another, so take note of what it is on your policy.
If the deductible is the money you must spend before your dental insurance plan kicks in, wouldn’t it be prudent for you to make use of your dental insurance before the year ends so that the deductible isn’t spent in vain? The best Georgetown KY dentists recommend that you use the dental insurance before the year ends so that you get value from a lot more than the deductible on your policy.
Justification for Insurance Premiums
Are you paying premiums on your dental care policy every month? If you are, then it is important that you make use of the dental care plan for which you paying for monthly. The experts at ThoroughDent Smiles in Georgetown aren’t in any way suggesting that you go out of your way to get dental problems so that you can use the dental care plan provided by your insurer. Instead, we are recommending that you benefit from your investment by coming in for a dental checkup once a year as well as dental cleanings by our professionals every six months. These routine activities will ensure that you enjoy a lifetime of great dental health, and the money you invest in dental insurance premiums will not be spent in vain.
Protect Yourself Against Possible Fee Increases
Dr. Benjamin Kacos, a dentist in Shreveport, LA, points out that many dental offices adjust their rates at the beginning of a new calendar year as new dental insurance policies take effect. This is another reason why it is important for you to use your dental insurance before the end of the year. This way by the time dental care fees are increased, you have already got the care that you need at the rate of the old fees. If you wait, the new rates could increase your out-of-pocket expenditure once you exhaust the maximum covered by your dental insurance plan.
Dental Issues Could Get Worse
Have you heard the saying “a stitch in time saves nine?” This holds true for your dental care. When you leave a problem to go unattended for long, it worsens into a more serious problem. For example, a cavity is a simple-enough dental problem to treat. However, when it remains untreated, you may eventually require a more invasive and costly procedure, such as a root canal.
Therefore, you can see why emergency dentists in Georgetown urge you to use your dental insurance before the year comes to an end. That timely care will enable the experts at ThoroughDent Smiles to catch any developing problems early so that they can be resolved easily and inexpensively.
As you can see, there are many compelling reasons why you need to use your dental insurance before the end of the year. Have you gone for more than six months without seeing a dentist? Contact ThoroughDent Smiles today and get your teeth cleaned by our courteous and experienced staff. We shall also draw your attention to any problems you may have and we will design a cost-effective treatment plan so that you can end the year in better dental health.