Dental insurance is largely meant to make your most basic dental treatments more affordable, whether it’s a routine cleaning or a detailed exam. Now that the end of the year is nearby, the benefits you paid for are likely not going to be available in the upcoming year. Not only are the benefits you’re used to having far more likely to reset, but your plan could change and your premiums may increase. If you aren’t sure why now is the time to start utilizing your insurance benefits with a family dentistry in Medford, you’ll want to keep reading.
Don’t Waste Your Annual Maximum
Nearly every dental insurance plan comes with an annual maximum, which refers to the total amount a dental insurance company is willing to pay for treatments in a given year. Most annual maximums fall between $1,000 and $2,000, but the average is usually about $1,250. However, according to the National Association of Dental Plans, only 2.8% of people with PPO dental plan participants reached or exceeded their plan’s annual maximum. That means the overwhelming majority of people lost money because they didn’t take advantage of their plan’s benefits.
Changes in Your Current Premium
Dental insurance is meant to be used regularly, which is significantly different than medical insurance. If you’re paying a premium every month, that’s what gives you access to your care in the first place. When the new year comes around, there’s no guarantee that your premium amount will stay the same. It’s better to make use of benefits now before potential increases of your premium occur.
Make the Most of Your Deductible
Deductibles refer to the amount of money you need to pay before dental insurance kicks in. Many dental plans have lower deductibles to meet, but failing to use your benefits means that your deductible goes to waste as well. Not only would you need to pay it again in the new year, but there’s a chance it increases once your plan resets.
Benefits You Should Use
If your goal is to keep your long-term oral health in good shape, the best thing you can do is maintain routine checkups, cleanings, and X-rays. The fact is most dental disease can be avoided or caught and treated when it matters most when you get these treatments done. Furthermore, most dental plans cover preventive care at or close to 100 percent, which means you can get some of your most important treatments done at little to no cost to you.
If your goal is long-term oral health, saving money on dental care costs, reducing the risk of a dental emergency, and preventing oral pain or dental disease, then using your benefits today is the way to do it. Schedule an appointment with a family dentist in Medford to get started!
About Premier Care Dental
The dentists at Premier Dental Care are happy to not only accept your plan, but file claims on your behalf, handle your paperwork, and make sure that you are getting the most out of your dental benefits. If you are looking for ways to save on your next dental treatment, don’t wait to give them a call. They’re more than happy to help you build a treatment plan that fits your budget, especially when it comes to completing preventive care. Visit their website today!