The phrase “Use it or loose it” really does apply to Dental benefits—Any 2013 annual benefits you have will expire at the end of this year!If you have dental insurance, your insurer has allowed so many dollars per calendar year, and unused dollars do not carry-over.If you participate in a Flexible Spending or Health Savings Account, it’s even worse.You will forfeit any left-over money in these accounts—benefits which you have paid for!
What can you do to maximize your benefits?
1.Know what your benefits are: Dental insurance plans distinguish between prevention and treatment, and typically cap how much treatment benefit you can “use” in any one calendar year.If you don’t know your benefits, call Beth in our office at 954-349-4004, and she’ll help you figure it out.
Preventative services, such as 2 cleanings per year, exams, X-rays and sealants are typically covered 100% by most insurance companies (even for a provider NOT in your network).
Dental treatment is typically covered in the 50%-80% range.The greater % of benefits applies to less complex treatment (such as fillings) rather than more invasive procedures (i.e., crowns).The Insurance Company’s philosophy is that it saves money as you take better care of your (and your kid’s) teeth, hence the benefits are stacked in favor of prevention.
2.Use your Money: Schedule your own, your spouse’s and your kid’s cleanings well before the end of the year. October thru January are our busiest months for the very reason that patients realize they need to use their benefits.The earlier we see your family for preventative care, the more time we have to diagnose and plan any needed treatment before the Holidays, and before it becomes major.
Our Weston Dental Office Wants to Practice Preventative Dentistry
Regular cleanings can prevent fillings.Catching and treating cavities early with small fillings can prevent next year’s crown.And everyone wants to prevent extractions, root canals and implants to save teeth and money!