If you haven’t seen your dentist in a while or have yet to reach your dental insurance annual maximum, now’s the perfect time to schedule an appointment!
The end of the year is the busiest time for the health care industry, as people are rushing to take advantage of their coverage plan before the calendar starts over and their benefits change or reset.
Before time runs out, follow this checklist to maximize your dental benefits and make your dental insurance annual maximum work for you.
1. USE YOUR PREVENTIVE BENEFITS
Dental plans are designed to focus on preventive care, and many plans fully cover regular exams and cleanings. If you haven’t already, take advantage of this coverage as preventive care is the foundation of your oral and overall health and can save you money in the long run.
2. DOUBLE CHECK YOUR DEDUCTIBLE
Your deductible is the dollar amount you pay out-of-pocket before your dental plan begins covering the rest. Cleanings and check-ups do not usually count toward your deductible.
If you’ve already met your deductible for this year, now is a good time to schedule any dental treatment you’ve been delaying. Some plans may reset your deductible and require new out-of-pocket costs at the start of the year.
3. KNOW YOUR ANNUAL MAXIMUM
Your dental insurance annual maximum is the total dollar amount a dental benefit plan will pay toward the cost of dental care for the plan year. If you exceed this cost, you’re left to pay anything more. Log in to your account or use our free mobile app to see the most up-to-date information on your plan.
4. COORDINATE YOUR CARE
Consider if the treatment you receive requires a lengthy follow-up that extends into the new plan year and factor in these costs.
Also, plan ahead if a procedure’s cost is likely to surpass your dental insurance annual maximum for the year or otherwise require larger out-of-pocket costs. It may be beneficial to split the treatment plan between this year and next year. If you aren’t sure what your treatment will cost, work with your dental office to submit a pre-treatment estimate. That way you’ll know exactly what’s covered under your plan.
Have any questions about your plan? Call us toll-free at 1-877-841-1478 during regular business hours. We’re happy to help you understand your benefits!!