October 15, 2018
Getting dental insurance is a great way to invest in your healthy and lasting smile. Making the most out of your plan can require a little bit of strategic planning, though — and your dentist is there to help you do just that! As the end of the year approaches, it is important to remember that unused insurance benefits typically do not roll over to the next period. Fortunately, there is still time to rescue what you haven’t taken advantage of in 2018. Keep reading to learn more about how!
How Dental Insurance Works
Dental insurance works a little differently than your medical insurance. You pay upfront for discounts and coverage on important general, restorative, and preventive services that you can cash in on from January to December — but once the year is up, you will have to forfeit any unused benefits and meet your deductible all over again before coverage kicks in.
Most dental insurance premiums range around $50 for an individual and $150 for a family of 3. This amount may make you eligible for up to $1,500 worth of necessary care throughout the year after you meet your deductible — so you want to get as close to that annual maximum as possible!
To prevent coverage from slipping away, take these steps throughout the year.
- Schedule and attend two checkups and cleanings with an annual set of X-rays
- Get started on any necessary dental care before the calendar year is up
- Talk to your dentist about recommended treatment plans
- Break up bigger treatments over two periods as necessary to reduce out-of-pocket costs
Careful with HSA Funds, Too
Patients with health savings accounts should also be aware that unused funds may not roll over from one year to the next either. You may be able to rescue a portion of what is left in your account, but you will likely have to forfeit the majority of that money. You can use an HSA toward any necessary dental care and appliances like nightguards for bruxism, sleep apnea treatment, and more. Talk to your dentist about how you can get the most bang for your buck out of your HSA!
It’s Not Too Late!
We are nearing the end of October, and that means there is still some time to make the most out of your dental insurance plan or your HSA funds. Remember that dental offices fill up at the end of the year, though, so don’t wait to schedule an appointment with a dentist who accepts your plan. That is the best way to care for your smile AND your wallet!
Meet the Dentist
Dr. Julie Valentine offers comprehensive, high-quality dental care at a reasonable price. She accepts most major PPO dental insurance plans and urges patients to visit the dentist before the year is up! To schedule your end of year appointment, you are invited to contact Dr. Valentine at (310) 551-2955.
No comments yet.
RSS feed for comments on this post.
Sorry, the comment form is closed at this time.