Have you seen your dentist in Clintonville twice this year? If you haven’t, you could be losing money! This is because you might be wasting the dental insurance benefits you’re already paying for. Any benefits that you haven’t used by the end of 2020 will disappear and will not roll over into 2021. While you might not want to spend any part of the holiday season in the dental chair, seeing your dentist before the year is up could greatly benefit your bank account as well as your oral health. Here are four reasons why.
1. Your Yearly Maximum Might Go to Waste
Dental insurance policies usually have a cap on how much coverage you’re entitled to every year. This amount is called your yearly maximum, and it’s typically somewhere around $1,250. Not using this money while it’s available to you could cost you hundreds of dollars of dental care over the years. The most cost-effective thing to do here is to use this money to improve your oral health while you can.
2. You’re Already Paying Your Premiums
If you pay your premiums, you’ve already spent money on dental benefits. You might as well cash in on the coverage you’re already paying for!
You should see your dentist a minimum of twice a year (every six months) for checkups and cleanings that can prevent cavities and other oral health problems from arising. Most dental insurance companies fully cover these visits, making them a wonderful way to utilize your benefits.
3. Your Deductible Will Return Next Year
Your deductible is the amount of money you must pay your dentist before the insurance company begins offering coverage. Once the deductible has been met, you won’t have to pay it again until the next year. Scheduling another appointment while your deductible is already paid can minimize your out-of-pocket costs.
4. Keeping Your Smile Healthy Will Save You Money
Above all else, the goal of dental insurance is to make it easier to get affordable care for your teeth and gums. Although gum disease and tooth decay might start out as minor inconveniences, they’ll become increasingly invasive, time-consuming, and expensive to treat the longer you ignore them.
Are you ready to save money by taking advantage of your dental insurance benefits? Schedule an appointment with your dentist today to find out if there are any treatments you should get before the end of the year. It could benefit your wallet just as much as your smile!
About the Author
Dr. Eric Buck is a dentist in Clintonville, OH who obtained his Doctor of Dental Surgery degree from the Ohio State University College of Dentistry. He’s involved with several professional organizations, like the Academy of General Dentistry and the American Dental Association. His practice, Creative Smiles, accepts many popular dental insurance plans, and would love to help you maximize your benefits. For more information, visit Dr. Buck’s website or call (614) 459-7766.