How to make the most of your dental insurance

 

Here's a tip that most dental insurance companies don't tell you: Your insurance benefits reset at the end of the calendar year, so you should take advantage of them before December 31st.

Most dental insurance plans offer standard annual benefits which are completely covered under your premium. Here are two common benefits you may want to take advantage of before the end of the year, since you're already paying for them:

  • Bi-annual Cleanings. Most policies cover "preventive maintenance", or cleanings, twice a year to take care of the buildup of plaque, tartar and stains on the teeth. These appointments are also an opportunity for your dentist to ensure your oral health is overall looking good. Call us at 508-747-5400 to book a cleaning today.
  • Meet your maximum. Find out what your maximum is, and if you've already hit your deductible, you can utilize the difference to pay for larger treatments you may have been putting off. For example, if your annual maximum is $1,800 and your deductible is $1,000, you have $800 that your insurance company can use to cover additional treatments before the end of the year. This amount resets, so you'll want to use it before you lose it on December 31st.

What larger treatments can you use your benefits towards? Most insurance companies will cover the following treatments:

  • Oral Examinations 
  • X-rays
  • Tooth cleanings 
  • Application of Fluoride
  • Sealants (usually limited to children) 
  • Fillings
  • Crowns
  • Root Canals 
  • Treatments for gum disease
  • Extractions 
  • Emergency relief of pain 
  • Anesthesia 
  • Consultations

Call us at 508-747-5400 to schedule an appointment today, or request an appointment online.

And remember, use them or lose them!

(Sources: National Association of Dental Plans)

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