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With the year quickly wrapping up in time for the holidays , now's your chance to present your teeth the gift of care. Every year, only 3% of people with PPO dental coverage hit their annual maximum. Don't let the year slip by without enjoying your earned dental benefits!
What's great about having dental insurance? Whether you're looking only for a checkup or have a dental emergency, you'll always be able to meet with a dentist. That's why it's important to use your dental insurance! With most plans, the average coverage per person is between $1000 - $5000 per year. Fact is, dental insurance companies are the ones who profit if you go through the year without using your dental plan. Benefits do not rollover - and your insurance company isn't going to remind you - so you need to use your benefits before time's up.
Here's what you can do to beat the system and get the most out of your dental insurance before the bells ring on New Year's Day.
Get Treatment Before Your Deductible Resets
You pay a lot of money for your dental insurance. It starts with your deductible, which is what you're spending out of pocket for any dental service before your insurance kicks in. With most dental insurance plans , you're solely paying the dentist for all services until you've paid your annual deductible. After you pay off your deductible, insurances offer co-pay, which asks of you to pay a fixed amount (between $20 and $30) for a dental service while they cover the rest. Furthermore, your annual deductible doesn't rollover, which means you must pay for it all over again before you're covered.
If you have a $2000 annual deductible, visiting your dentist once every 6 months for a cleaning will never make up for all the money you've put into the system. Don't let the money you put into your deductible go to waste! Schedule an appointment with your dentist and see what they can do to lift the health of your teeth before the year ends.
Paying Your Premiums Should Pay Off
Every month you pay your premium so that you keep your insurance throughout the year. Stacked on top of your deductible , all in all you're spending a lot of money to make sure you're covered, so why not use it? Even if you don't think you need dental treatment, it doesn't hurt to schedule an early day appointment so that your dentist can give you a thorough cleaning to fight cavity and gum disease aggression.
In addition, using your dental plan more often will put off any problems that are always waiting to happen. Not only are you getting the most out of your insurance and maybe tipping the coverage scale into your favor, you're making sure a simple cavity now won't turn into a root canal later. Fully utilizing your dental coverage now and every year will make it easier on both your health and wallet down the road.
Use Existing FSA Contributions
If you receive dental coverage through your employer, you may not have considered using any balance stowed away in your flexible spending account (FSA). Essentially , your FSA is pre-taxed income kept separate to pay for any medical coverages, which is great because you can apply it towards your deductible and premiums. However, like everything else you lose what's in your FSA when the year turns. Now is the time to check yours out and see if you can apply any of it to your next dental visit.
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