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5 Ways to Maximize Your Dental Insurance Benefits

October 29, 2021

Filed under: Uncategorized — drbuck @ 3:25 pm
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Everyone knows how confusing and stressful dental insurance can be. Since it’s notably different from medical insurance, some people have difficulty understanding how it works. However, being well-informed and knowing how your plan works can keep you from having to break the bank for dental treatment. That said, a dentist in Columbus shares a few ways you can maximize dental insurance benefits while optimizing your oral health.

Keep Up with Preventive Care

Preventive dentistry is critical to overall health. The good news? Most dental insurance plans allow you to attend two cleanings and checkups each year at little or no cost to you. They may also cover other preventive services like routine X-rays and fluoride treatments. These visits allow your dentist to prevent, detect, or treat oral health problems before they turn into severe complications. With their help, you can avoid needing more expensive and complex procedures down the line.

Get Restorative Treatment Before the Year Ends

As mentioned earlier, most dental insurance plans cover a large percentage of preventive dental care because it’s crucial for maintaining good oral health. However, these plans do not offer the same level of coverage for every treatment. Restorative services like fillings, dental crowns, and root canals are covered at a lesser percentage, meaning you’ll have some out-of-pocket costs. Therefore, it’s a good idea to schedule your restorative appointments as soon as possible.

Find Out When Your Benefits Expire

Even though every dental insurance plan is different, most tend to operate on a calendar-year basis. At the beginning of the year, you’re given an annual maximum, which is the most your insurer will pay for approved treatments. If you have any benefits left unused by December 31st, they’ll expire and will not roll over into the new year. With that in mind, it’s a good idea to schedule any outstanding dental work before the year ends so you can get the most out of your coverage.

Strategically Schedule Major Procedures

It may come as no surprise that major dental procedures take place across multiple appointments. If you think your dental work may exceed your annual maximum, ask your dental team if you can schedule part of it this year and the rest the next. With this strategy, you’ll be able to use two annual maximums instead of one and decrease your out-of-pocket expenses significantly.

Use Your Flexible Spending Account (FSA) Dollars

Do you have a flexible spending account (FSA) through your employer? It allows you to set aside tax-free money that you can use for several purposes, including medical and dental expenses. Although most funds expire at the end of the calendar year, some have a grace period that allows owners to use their FSA during the first few months of the following year.

If you have dental insurance, use the tips outlined above to maximize dental insurance benefits. That way, you can walk into the new year with a healthier smile and more money in your pocket!

About the Practice

At Creative Smiles, we offer exceptional, state-of-the-art, comprehensive dental services beyond what’s anywhere else. Our highly skilled and experienced team will always go the extra mile to ensure you leave with a smile on your face after every appointment. From standard checkups to complex restorative procedures, we’ve got you covered. If you have any questions about your dental insurance benefits, visit our website or call (614) 262-4150 to speak to a member of our team.

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