Dental insurance is a valuable asset. It can help you get the preventive care you need, and it is a financial safety net in case you ever need some restorative treatment for your smile. But if you only use your dental coverage for emergencies, or you do not attend preventive appointments as often as you should, you are not getting your money’s worth from your insurance. Let’s talk about why and how you should make efforts to use your 2019 benefits to the full before December 31.
Benefits Don’t Roll Over
PPO dental insurance policies come with an annual maximum, which is the highest dollar amount that the insurance company will pay out for approved services within a calendar year. Usually, that maximum is between $1,000 and $1,500. If any portion of that money remains unused on December 31, it may not roll over into the following year. In fact, very few plans have a rollover provision, which means that you could lose hundreds of dollars’ worth of benefits every year if you do not use your insurance.
Of course, that doesn’t mean you should ask for dental treatment that you don’t need solely for the sake of using your benefits. But you should keep up with any treatment your dentist recommends.
Your Deductible Will Reset
Most PPO policies have a deductible, which is a certain amount that you must pay out of pocket before your insurance kicks in. That deductible resets every year. Therefore, it is in your best financial interests to visit your dentist before the end of 2019 if you have already paid this year’s deductible.
It’s normal for dental insurance companies to adjust their policies from year to year. They might raise their premiums, change what they cover, or tweak their coverage levels for certain services. Using your current coverage before it expires can help you avoid having to figure out a whole new plan right away in 2020. Even if you are going to shop for a different dental plan for next year, it is still worth your time and effort to get the greatest value possible out of this year’s policy.
Preventive Care Saves Money
Even if you are sure that your teeth are healthy, you should still visit your dentist before the end of the year. That’s because most dental policies provide cover the cost of preventive care at 100 percent. Therefore, you could attend a cleaning and checkup for nothing out of pocket. The time you spend getting your teeth examined could alert you to any developing oral health issues, and you may still have time to get them taken care of with this year’s insurance policy. Plus, receiving prompt treatment could save you thousands of dollars by sparing you from the need for major procedures down the road.
Are you getting all you can out of 2019’s dental insurance? You are running out of time to use your policy to the full!
Meet Our Practice
Texas Dentistry in Mesquite is a family dental practice that is happy to accept many types of insurance. We offer friendly, top-quality care in a comfortable environment. And we still have openings in our schedule before 2020! Contact us at 972-329-4200 to learn how we can help you maximize your dental benefits.