Have you been using your dental insurance as much as possible this year? If not, time’s running out; most policies reset on January 1st, causing you to lose any benefits that you haven’t utilized yet. While you might not want to have to worry about a complicated insurance policy during the holiday season, here are 4 reasons why seeing your dentist in Austin before the end of the year could make a big difference to your oral health and your bank account.
1. THE YEARLY MAXIMUM: DON’T LET IT GO TO WASTE
If you have dental insurance, chances are your policy has a cap on how much coverage you’re entitled to during the year. This cap is usually around $1,000. If you don’t use this money while it’s available to you, it will be lost after your plan resets; this could ultimately cost you hundreds of dental care dollars in the long run. It makes the most economic sense to use the money set aside for your oral health care while it’s still available to you.
2. THE PREMIUMS: GET YOUR MONEY’S WORTH
Anyone who pays their premiums has already spent money on their dental benefits. This of course means that you should avoid letting them go to waste; after all, dental insurance won’t save you any money if it goes unused! At a minimum, you should visit the dentist two times a year (once every six months) for preventive checkups and cleanings that can prevent gum disease and other oral health issues from developing. You can usually expect your insurance carrier to fully cover the cost of these appointments, making them an easy and useful way to maximize benefits.
3. THE DEDUCTIBLE: IT WILL COME BACK NEXT YEAR
You need to pay your dentist a certain amount of money before any insurance benefits can be used. Once the deductible has been met, it lasts for the rest of the year, but it will reset with the rest of your plan in January. You will save on out-of-pocket costs if you schedule your appointments while your deductible is still out of the way.
4. YOUR SMILE: KEEP IT HEALTHY!
Above everything else, the goal of having dental insurance and using the benefits it entails is to get affordable care for your teeth and gums. While tooth decay and gum disease may start off as small, easy-to-correct problems, they’ll become far harder – and more costly – to treat if you leave them alone.
Ready to start making a plan to use your dental insurance? Schedule an appointment with your dentist today to see if there are any “end of the year” treatments that your mouth – and your finances – could benefit from.
ABOUT THE AUTHOR
Dr. Hector Tijerina is a proud Austinite who has been practicing dentistry for six years. He loves educating his patients about dentistry and always strives to deliver efficient, comfortable care. His practice, Parkfield Family Dental, is happy to accept virtually all major PPO insurance plans and will honor in-network fees in most cases in order to help you maximize your benefits. To schedule an appointment with Dr. Tijerina, visit his website or call (512) 213-6778.