Nowadays, more Americans than ever have private dental insurance. In fact, about two-thirds of people have coverage, but less than 3% of adults reach their annual limits. If you’re among those who pay a monthly premium for your policy, you’re making an investment in your oral health. Unfortunately, your benefits are about to expire. You won’t be reimbursed for anything you don’t use. Here are 4 reasons you should use your dental insurance before the end of the year.
1. Reduce overall oral health expenses.
Dental insurance focuses on prevention to lessen the likeliness of needing a costly treatment in the future. Every $1 spent on prevention can reduce your restorative dentistry costs by as much as $50. Your dental coverage makes it easy to visit your dentist twice a year because preventive visits are covered 100%. If it hasn’t been 6 months since your last cleaning and checkup, you can still use your benefits for your second hygiene visit.
2. Prevent common general health concerns.
Believe it or not, your oral and general health are entwined. Certain dental issues can increase your risk of common health problems. Gum disease is directly linked to cardiovascular disease, dementia, and even respiratory infections. You can help ensure a healthy mouth and body by treating any dental complications quickly. You don’t need to worry about a large bill because you have an annual allowance to help offset the cost after reaching your yearly deductible. Although every policy differs, your plan can cover 50% to 80% of the expense.
3. Enjoy reduced rates for dental services.
Your dental insurance company recommends you visit a dentist who is in-network because they have pre-negotiated rates. You can still use your benefits at an out-of-network dentist to enjoy more options. No matter which you choose, you can maximize your annual coverage to lower the amount you need to pay for the services necessary to maintain your oral health.
4. Your benefits don’t last forever.
At the end of the year, your dental benefits will expire. Unfortunately, anything you don’t use won’t carry over into 2021. Not to mention, your premiums and deductible aren’t refunded. If you don’t maximize your policy now, you will have been throwing money down the drain each month that could have been spent on a healthy, beautiful smile.
Don’t Lose Your Coverage
Although the next few weeks will be busier than usual, make the time to visit your dentist. They will work on your behalf with your insurance company to make the most of your coverage. They will help you find the solutions you need to reach your oral health goals without breaking the bank.
About Dr. Thaddeus S. Michalski
Dr. Michalski has extensive knowledge and clinical experience in dentistry. After earning his dental degree, he continued his training in Advanced Education in General Dentistry. He specializes in many complex issues, like implant dentistry and TMJ disorders. Dr. Thaddeus is in-network with many leading insurance carriers to keep his services affordable. If you need an appointment before the year ends, contact our office today.