Dental insurance can help you save hundreds on dentistry, but that’s only if you know how to use it. Unfortunately, over one hundred billion dollars in dental insurance benefits are wasted every year, and the worst part is that people don’t even know this is happening. That means millions of people are paying for benefits that they’re never even using. Thankfully, your dentist knows how to take advantage of your dental insurance benefits in Duncanville. Keep reading to learn some pro tips to help you save money and stay healthy for the rest of 2019.
Remember Your Yearly Maximum
The key to successfully using your benefits is knowing your yearly maximum—the most your dental insurance is willing to pay for your coverage in the upcoming year. Most maximums are typically around $1,000. But the problem is that these benefits reset at the end of the year, whether you’ve used all or none of them. With only about 2.8% of Americans ever reaching their maximum, it’s no surprise that billions in benefits are wasted every year. The best way to save money on dentistry is to know your maximum and to work toward reaching it before 2020 is here.
Use Your Deductible
Your deductible is an annual fee that essentially unlocks your dental coverage for the year. You only have to pay it once, but it will reset on January 1st, just like your maximum. So, once you’ve paid it, it’s in your best interest to see your dentist who takes insurance in Duncanville for unfinished treatments. If you need dental crowns, fillings, and more, make these appointments before 2020 so you won’t have to pay an additional deductible.
Make A Second Appointment
Dentists worldwide recommend dental appointments twice a year to prevent and detect oral health problems before they get serious. However, millions of Americans only go to the dentist once. This is not only putting their health at risk, but they’re also missing out on their hard-earned benefits. Insurance plans will typically cover preventive visits like checkups and cleanings 100%, which makes them a great way of utilizing your benefits. So, if you haven’t seen your dentist twice, schedule your appointment before 2020 is here and your benefits are gone.
Watch Out For Changing Plans
Lastly, keep in mind that your dental insurance plan can change. The premiums can go up while the benefits can go down, but this will usually occur during the renewal period at the end of the year. So, while you know the exact terms of your insurance, it’s best to use your benefits before the clock strikes midnight on December 31st.
Are you ready to start saving money while staying healthy? Use these tips to maximize your benefits while minimizing out of pocket costs for the rest of 2019!