Paying for dental care is a significant factor in many families’ budgets. Dental insurance helps to make preventive and necessary restorative treatments more affordable — and, depending on your plan, you may be eligible for up to $1,500 worth of care from your dentist in Dublin if you are insured. Most dental insurance plans are set on an annual calendar, however, and they won’t roll over to 2018. That means any unused benefits are at risk of expiring when the clock strikes 12 on New Year’s Eve!
It’s already October, but it’s not too late to make the most out of your investment in your and your family’s oral health. Keep reading to learn more about how dental insurance works and what to do now to make sure you don’t let your benefits slip away.
Dental Insurance: What You Need to Know
You pay for dental insurance coverage throughout the year with monthly premiums, which usually average about $50 per person. In exchange for this amount, you are eligible for up to $1,000 to $1,500 worth of care after you have met your deductible — or the out-of-pocket amount you pay before coverage kicks in.
Your annual maximum (the $1,000 to $1,500 amount) does not roll over to the next year. If you have met your annual deductible but have yet to use up all the available funds, we can help you decide how to make the most out of this amount.
Some smart ways to use your dental insurance benefits at the end of the year include:
- Beginning or completing necessary restorative work, like a filling, extraction, or replacement.
- Getting a checkup and cleaning. You are eligible for two free preventive appointments each year.
- Treating gum disease, which takes a significant toll on overall health.
- Taking care of one of 2018’s checkups, too. Preventive care is 100% covered, but it usually counts toward your annual maximum. If you do not need to have any other dental work taken care of, scheduling a visit right now can free up those funds for next year, when you may need them more.
- Using your funds in a health savings account (HSA) or flexible spending account (FSA), the majority of which will usually not roll over to the next year, either.
November and December are usually the busiest months for a dental practice, and many treatment plans require several visits to complete. Call your dentist right now to ensure you get the most convenient scheduling as we head into the holiday season! Distinctive Smiles of Dublin will work with you to help you maximize your dental insurance benefits no matter who your provider is.
About the Authors
Dr. Eric Buck and Dr. Hannah Burton provide comprehensive dentistry for patients in and around Dublin, OH. To learn more about the services they provide or to schedule an appointment to make the most out of your dental insurance, you are invited to contact the office at 614-792-1800.