When the clock strikes midnight on December 31, you’ll probably be sharing a kiss with someone you love or spending quality time with friends and family. But did you know there’s a chance you might be losing a lot of money at the same time? That’s right, unless you’ve been to visit your family dentist in Grants Pass twice this year, you’re losing your dental insurance benefits, and those do NOT roll over into 2020. Let’s talk about how you can get the most bang for your buck and save money before the year ends.
Why You Should Use Your Benefits Now
If you haven’t already visited your dentist in Grants Pass twice this year, you’re really missing out. Not only are you not getting the preventive dental care you need, but you’re losing money. When you don’t meet your annual maximum (the highest amount of money that your dental insurance will pay for your dental work within one year), any leftover money goes back to the insurance company. This is why they don’t usually let you know about this, because they want to keep as much of your money as possible. However, your dentist wants you to save money by scheduling an appointment with him or her.
Additionally, if you’re already paying your dental insurance premiums, you might as well see your dentist. After all, your insurance typically covers most preventive measures, including two checkups and cleanings a year.
What Services Are Covered
Dental insurance is mainly about preventing issues from occurring in the first place, so regular checkups and cleanings are crucial. For this reason, your insurance typically covers 100 percent of the cost of these appointments.
Most of the time, your insurance will cover about 80 percent of the cost of basic restorative services, such as fillings. This is because issues like cavities are largely preventable, but even people who brush and floss diligently can still get one from time to time.
Finally, major restorative procedures are generally covered up to 50 percent. This includes services like root canals, crowns, bridges, and dentures. Certain cosmetic procedures like teeth whitening might not be covered at all, but it depends on your individual insurance company, so you’ll have to contact your insurance company to find out.
Don’t let yourself lose money while you’re ringing in the new year. Visit your dentist before the year runs out, and they should be able to help you figure out the best way to meet your deductible and make the most of your specific insurance plan.
About the Author
Dr. Tanner Barratt obtained his doctorate from the University of Louisville, and has been practicing dentistry at Premier Care Dental in Grants Pass, OR for four years and counting. His practice is happy to file your insurance claims for you and work with you so you can save as much money as possible. If you don’t have dental insurance, Premier Care Dental offers a dental savings plan, where you pay a flat rate once a year and certain preventive and restorative procedures are completely covered. To learn more, contact Dr. Barratt’s office at (541) 476-4583.