It is estimated that more than 160 million people with private dental insurance lose around $927 each year. Why? Because there is a common misconception that unused benefits will roll over when in fact, they do not. With nearly $152 billion lost, you might find yourself asking, “How do I keep from being one of these millions of people?” To find out, read on and learn what you can do to take advantage of your dental benefits before it’s too late.
Say Goodbye to 2019 and Your Unused Benefits
While you may not be sad to see 2019 go, you’re probably not happy that the money you’ve accrued toward your deductible and annual maximum is about to vanish before your eyes. This magical disappearing act happens at midnight on December 31 when insurance companies watch unused benefits expire and happily accept any money left behind.
As unfortunate as this might be, the only way to prevent it from happening is to use your benefits while there is still time! Whether it’s scheduling that second checkup or cleaning or taking the time to get that pricey root canal, it can save you money in the long run.
See Your Dentist Not Once, But Twice a Year
Preventive care is important, which is why your dental insurance company designs its policies around it. When people take care of their teeth and gums, it lessens the chance of serious problems developing and the insurance company having to pay more for the services you receive.
The fact that most policies make it possible for preventive care to be covered at 100% should make you get up and dial your dentist’s office immediately. If you made the effort to see your dentist earlier in the year but have yet to schedule your second appointment, do it now and save yourself money, take care of your smile, and keep serious problems from becoming a reality in the future.
Don’t Ditch Your Deductible
The moment you meet your deductible is a glorious feeling. It’s like a burden has been lifted, especially when your dentist suggests a costly treatment. When this happens, your insurance company must pay more of the bill, leaving you with more money in your bank account. But what if you decide to wait until 2020? After all, there’s so much going on between the holidays, your kid’s school-related activities, and work. Don’t let this be your mindset! If you choose to wait, not only will your deductible return to $0, but you’ll now be responsible for paying for the entire procedure!
If you want to say goodbye to the not-so-great events that happened in 2019, that’s perfectly fine. But don’t let a beneficial investment such as your dental insurance be wasted. You’re already paying for it, so make sure you take advantage of everything it has to offer. If you’re unsure of how you can maximize your benefits, call your dentist’s office and speak to a team member who can help.
About the Author
Dr. Dhavalkumar Rana at TrueCare Dentistry understands what it means to provide world-class care, but with this comes the need for affordable services. Believing that no patient should have to choose between dental care and other necessities, Dr. Rana and his team want to help you get the most out of your dental benefits, so nothing is wasted, including your hard-earned money. To learn how we can help you, visit our website or call (469) 399-7288.