Sedation Clinics
Your dentist has just informed you that you need a tooth extracted as soon as possible. Knowing it’s the right thing to do, you suddenly remember all the important things you have to do over the next several weeks as the holidays grow closer. When will you have the time to schedule this type of procedure when so much is going on? If you’re debating whether to hold off on your procedure or just find the time now, you might want to consider the financial hit you will take if you wait until 2020. Find out why it’s in your best interest to use your dental insurance benefits in Lexington before the end of the year.
There is No Rollover When It Comes to Dental Benefits
That’s right…come January 1, you’ll see $0.00 sitting next to your deductible and annual maximum. The reason for this is that the insurance company does not rollover benefits, so all that valuable time and money you’ve spent to meet your deductible is now gone. It seems unfair, right? Unfortunately, there’s nothing you can do about it except make sure your insurance company doesn’t take more of your hard-earned money!
What Can You Do?
Did you know that each year, more than $150 billion is lost in unused benefits? That’s a lot of money, but if you want to keep from contributing to that total amount, here’s what you can do:
Get Your Teeth and Gums Cleaned
If you’ve already had your teeth and gums checked and cleaned once this year, remember, most dental plans agree to cover two annual visits at 100%. That means, you get to see your dentist in Lexington twice a year at no cost to you. This not only ensures your oral health is in great shape but that you don’t develop problems further down the road.
Avoid Potential Fee Increases
Excuse me? Fee increases? Yes, it’s true. Your insurance company can choose to increase fees each year, which can result in higher premiums and fewer benefits. Again, not fair, but an unfortunate reality of how the insurance companies work. When your dentist recommends that you have a tooth extracted, it’s best that you go ahead and get it scheduled now and not wait to see if your plan will cover such a procedure next year.
Meet That Deductible
When enrolling in your dental plan, it’s likely that you considered the deductible to be one of the more important factors in your decision. Once you meet this magical number, you no longer pay the majority of the bill. You can pass that off to your insurance company who has agreed to take on more of the financial burden. Once this happens, you will want to make sure you schedule any treatments or procedures before December 31, so you save more money.
Your dental insurance plan is a great investment, but it’s only worth it if you use it. Paying for something you don’t use is not a good use of your money. When it comes to your dental health, make sure you’re reaping the benefits you pay for each month. If you don’t know how or what to do to save money, get the most from your plan, and keep your insurance company from taking even more away from you, talk to your dentist who can offer valuable suggestions.
About the Practice
At Dental Wellness of Lexington, our team of dentists wants you to know
that it’s in your best interest to use your dental insurance benefits now and
not wait until 2020. By making sure there is little to no available money left
behind, you are showing your insurer that you care about your oral health enough
to maximize your benefits in every way possible. If you’re struggling to find
out how you can make the most of your plan or wondering, “Who takes my
insurance in Lexington”, visit our website or call (859) 223-4644.