November 25, 2018
If you have dental insurance, then you are one of a fortunate group of people, but to get the most from it, you have to be proactive in seeking care. What happens when you procrastinate, though? Are you unknowingly wasting money and time and contributing to unnecessary problems? Your dentist explains just how important it is to take advantage of your dental health benefits.
What You Should Know About Dental Insurance
The majority of Americans have some form of dental insurance, which can cost up to $400 a year to cover an average-sized family. For most plans, the maximum yearly allowance is between $1,000 and $1,500. Unfortunately, only 2.8% of those insured will max-out their coverage by the end of the year, which can amount to a wasted investment.
The following shows how dental coverage is usually structured:
- Preventive Care – The American Dental Association (ADA) recommends that you visit the dentist every six months for preventive care, which usually includes a set of X-Ray photos, a cleaning and a check-up. Since this is one of the best ways to prevent oral maladies from arising, your dental insurance will typically cover up to 100% of the costs.
- Basic Care – A common procedure like a cavity filling is classified as basic care, and you can expect a copay of around 20% of the total cost.
- Major Care – In some situations, procedures like root canal therapy and crown replacement are considered to be major care because of their complexity. Your copay can be up to 50% of the final tally.
Where to Find the Greatest Value
You’re able to see the greatest return on the monthly investment into your dental insurance by maintaining regular visits to your dentist for preventive care. These semi-annual visits not only save you money initially, but they also provide big savings down the road.
By being more proactive in visiting your dentist for preventive care, you also stand to save more time and prevent unnecessary suffering. Furthermore, you’ll be able to receive any restorative care you need earlier, which means you won’t require more complex forms of treatment later on.
Why Now is the Time to Visit
By visiting your dentist before the year ends and receiving professional and expert care, you’ll be able to take advantage of your current dental insurance. This is important because for most carriers, coverage renews at the start of the year. Thus, any unused care will be lost after December 31st.
But by being more proactive, if you have existing issues, you can get a head start on receiving the treatment you need by visiting your local professional before the ball drops to start another year. It all begins, though, by reaching out to your dentist to schedule a visit today!
About the Author
Dr. Kim-Ngan Do is a graduate of Temple University Kornberg School of Dentistry. She offers her patients comprehensive care, which includes preventive, restorative and cosmetic treatments. Dr. Do helps patients get the greatest value from their dental insurance at Smiles Family Dentistry, and she can be reached for more information through her website.
No comments yet.
RSS feed for comments on this post.
Sorry, the comment form is closed at this time.