Denver, CO 80209
Using your dental benefits before the end of the year helps you get the most out of that insurance you’re paying for–but it can be tricky if you’re not familiar with those benefits. To help you be a smarter consumer, here are 5 tips for getting the biggest bang for your insurance buck.
If the work needs to be done now, do it now. But if your dental work can be done over a longer period of time, do it. Spacing out your procedures avoids maxing out yearly benefits. Depending on your insurance plan, you may only have a certain amount of dental work covered each year. A good first step is to have a conversation with your dentist to outline your goals for your oral health. This will help both you and your provider decide the best times to do any dental work you might need outside your regular cleanings.
Did you know you could have benefits that are going unused? Things like sealants, fluoride treatments, and two cleanings per year are included on most major insurance plans. Preventative treatments in particular likely fall under your yearly dental benefits because they’re less expensive than bigger procedures. Taking advantage of preventative care saves you time and potential discomfort in the long run. It might save your insurance company money too, but more importantly it gets you the treatment you’re paying for.
Treatments like root canals, crowns, or implants may only be partially covered by your insurance plan. Often you’ll be responsible for paying for parts of these procedures. Don’t forget to include the cost of your deductible, too. Even though that crown you need might be partially covered, you have to meet your deductible first. To minimize your out-of-pocket cost, do the math on what percentage of your procedures are covered before your dentist starts the drill.
Although expensive dental procedures can be unplanned, if you do your research, you can maximize benefits and minimize costs. For example, don’t pay for a plan that has orthodontic coverage if you’re not planning on having any orthodontic work done. Basic dental insurance covers routine hygiene treatments and most of the cost of fillings. If you’re in relatively good dental health and you have a low risk for needing more expensive treatments, you may not need more than the basic coverage. This is a good conversation to have with your dentist.
Even though your dentist is an expert in dental treatment, he or she might know a little something about your benefits. Dr. Carter has been practicing for over 25 years, and she and her staff are familiar with several different types of insurance plans. At the very least, they can help you get in touch with a customer service representative who can guide you through the specifics of your plan. Whether you have a new insurance plan or just need a little help familiarizing yourself with your existing plan, Dr. Carter and her staff are happy to help you get off to a good start.