At its core, dental insurance is designed to make everything from routine appointments (like your six-month checkup) to unexpected treatment (like root canal therapy) more affordable. Unfortunately, many patients are completely unaware of how their benefits work, leading to unused coverage and wasted dollars each year. To prevent that from happening to you, here are three tips from a dentist in Greeley on how to maximize your dental insurance benefits.
#1. Attend Your Routine Checkups and Cleanings
Although dental plans vary from one patient to the next, they often have one thing in common: they are centered around preventive care. Therefore, it’s extremely likely that a large portion of your routine checkup and professional cleaning is covered by your insurance carrier. However, if you skip one of your bi-yearly appointments, you don’t get a bonus one the following year. So, make sure to schedule your second six-month appointment before your policy renews.
#2. Ask About Your Annual Maximum
An annual maximum is the highest dollar amount your insurance company will put toward your treatment within a given year. When you meet the limit, you will be responsible for the cost of any remaining services from fillings to dental crowns. On the other hand, if you don’t meet your annual maximum, then the residual balance doesn’t carry over into the next year. So, if your dentist recommends any treatment following your dental checkup and you haven’t utilized all your benefits, don’t put it off!
#3. Don’t Forget About Your FSA Dollars
A Flexible Spending Account allows employees to set aside a percentage of their paycheck for medical-related expenses. Unfortunately, many patients forget about this employer-sponsored benefit entirely or are unaware that there are typically restrictions that prevent it from carrying over year after year. So, why not use it to cover out-of-pocket expenses from your dental care? Start by asking your HR department (or whoever handles your benefits) about your remaining FSA dollars.
Whether you have an individual plan or one through your employer, dental insurance makes the necessary care of your teeth much more affordable – if you use it properly. Fortunately, you can use the above tips to ensure your benefits serve your teeth and your wallet!
About the Practice
For over three full decades, Greeley Complete Dentistry has been the go-to practice for everything from preventive care and restorative dentistry to cosmetic treatments. Each member of their team understands the invaluable resource of having a dental plan, which is why they will go above and beyond to help you maximize your benefits. So, if you have a question about your coverage or are looking for a “dentist near me,” visit their website or give them a call at 970-356-7474.