If you have an annual dental insurance plan, most likely your benefits are about to expire at the end of December. Unfortunately, your unused benefits do not roll over from year to year meaning if you don’t use them, you lose them. To learn more about how to use your dental insurance benefits if you live near Davidson, let Dastrup Dental help you better understand your benefits before they expire at the end of 2020.
Reasons to Use Your Benefits
Did you know that you could be throwing away precious money each year if you don’t use your dental insurance benefits? Whether you purchase your own plan or have benefits through an employer, someone is paying the premiums and putting money toward your dental care. If you don’t use your allotted benefits each year, they expire. What exactly are you losing? Let’s find out.
Dental Insurance Premiums
Your insurance premium is the fixed amount paid each month or year to ensure you have dental coverage. Premium cost varies depending on your insurance company and the specific plan chosen.
This amount is spent whether you have any dental work done or not, even something as simple as a routine cleaning. That means you (or you and your employer) are spending money upfront that you will not get back.
Deductibles are important factors to know in any insurance plan. The deductible is the amount you have to pay out-of-pocket for certain services before your insurance company begins to cover the cost. For example, if your deductible is $200, you will have to pay that amount for your own dental care before your insurance takes care of the bill.
Deductibles do not roll over from year to year. Depending on your plan, preventive services may be covered benefits meaning you do not need to pay for or meet your deductible before the insurance company starts to foot the bill.
It is important to review your dental plan to understand what coverages you have.
Unlike a deductible which is the amount you must pay, your annual maximum is the MOST your dental insurance company is willing to pay or cover each calendar year. For every service you receive, your insurance company gets a bill. They will pay their portion of each bill until they meet that maximum dollar amount. Once the maximum is reached, the insurance plan will not pay for any other services during that year.
Most people do not use their full maximum benefits. This amount does not roll over. It expires at the end of each year. Use it or lose precious dollars.
Insurance and Financing Options
Dental Insurance PPOs
Although we are not in network with any one plan, we work with most Preferred Provider Organization (PPO) plans to help patients get their dental benefits. We will file claims and documentation for you to simplify the process.
We understand that some patients do not have dental insurance or that sometimes insurance doesn’t cover everything you need or want. The Lending Club offers financing solutions to help patients pay for their dental services over time. These payment plans make dental care more affordable.
A healthy smile should be affordable. We accept CareCredit payment plans so you can avoid annual fees, setup costs, and prepayment penalties. CareCredit offers interest-free and long-term payment options so you can find a payment plan that works for your budget.
Schedule an Appointment with Dastrup Dental
Get the most out of your benefits in 2020! Review the details of your dental or financing plan so that you understand your coverage, deductible, and yearly maximum.
Preventive and Restorative Dental Care
A great way to maximize your benefits is to determine what care you still need this year. Insurance plans often do not cover cosmetic care so take a look at your preventive and restorative needs. Are you due for an exam or x-rays? Do you need restorative work such as fillings, crowns, or implants?
Remember, delaying dental care now can lead to more extensive (and expensive) issues down the road! Using your hard-earned dental benefits is just another reason to see your dentist regularly.
Dastrup Dental offers comprehensive, affordable dental care to meet our patients’ wide range of needs. For more information on how to use your dental insurance in Davidson, contact Dastrup Dental today.
Don’t lose your insurance benefits! Schedule an appointment and use your dental insurance benefits before they expire at the end of 2020.