If you have invested in dental insurance, you have the comprehensive coverage you need to keep your mouth healthy for minimal out-of-pocket expenses. However, less than 3% of Americans meet or exceed their annual limits, which accounts for billions of dollars lost in unused dental insurance coverage every year. Dental insurance can be confusing, but you don’t have to throw money away. Here are 4 things you should know to maximize your dental benefits.
1. 100% Coverage for Preventive Dentistry
Dental insurance focuses on prevention to stop common oral health issues from occurring. As a result, you’re less likely to need costly dental work later. Researchers have found that every $1 of preventive care can save up to $50 on emergency and restorative fees. You can visit your dentist every 6 months for a cleaning and checkup. A co-payment allows you to benefit from the power of prevention to keep your teeth and gums healthy.
2. Coverage for Restorative Dentistry
If you require dental work, you don’t have to delay treatment if money is tight. Your dental insurance may cover 50% to 80% of the expenses for common procedures after meeting your annual deductible. You can use your yearly allowance to lower the amount you’ll pay for medically necessary treatments, like fillings, dental crowns, and tooth extractions.
3. You Can Choose Your Dentist
Your dental insurance recommends choosing an in-network dentist to benefit from more coverage. They have pre-negotiated rates with select dental practices to limit the amount you will pay out-of-pocket. You can still choose any dentist that accepts your coverage, even if they are out-of-network. You’ll have freedom when choosing services, dentists, and specialists, but you may pay more out-of-pocket.
4. Your Dental Benefits Expire
Your dental insurance does not last forever. Your policy resets at the end of the calendar year. You will lose anything you have not used and you won’t be reimbursed for your premiums or deductibles, even if you never see a dentist. Nothing will accumulate into the new year. With less than 3% of Americans meeting or exceeding their annual limits, you could lose hundreds to thousands of dollars that could have been spent on your dental health if you don’t maximize your coverage.
A healthy mouth supports your overall wellness. Your dental insurance can help you achieve optimal oral health for minimal expenses. Your dentist will work on your behalf with your dental insurance to utilize your benefits to achieve the healthy, beautiful smile you desire.
About Dr. Ramona Rivera
Dr. Rivera earned her dental degree from the NYU School of Dentistry and has continued her training in various specialties, including Invisalign, dental implants, and sedation. She is a member of multiple professional organizations, including the California Dental Association. Dr. Rivera accepts many dental insurance plans to keep dentistry affordable. Request an appointment through her website or call her office at (916) 702-3375.