Thanksgiving is here and the end-of-the-year is right around the corner. The end-of-the-year means your dental benefits will be expiring.
Too many people do not take advantage of their annual dental insurance benefits letting them expire at the end of each year. What many people do not realize is that even though their coverage may not pay in total for certain dental procedures, most dental plans fully cover routine dental care. Also, if you know that you are going to need extensive dental work done, you can plan your dental visit for later in the calendar year, like October. Your dental benefits will renew again at the first of the year. This makes it more affordable to have procedures such as root canals and crowns done, by using the available benefits from two calendar years towards one or two major procedures.
Dental insurance benefits often made available to employees through employer's health insurance, PPO, or HMO plans. Unlike regular medical insurance plans, most dental insurance plans do not offer large amounts of coverage or cover as many expenses. You are usually allotted a pre-determined maximum amount of coverage per calendar year per person covered under the plan. Now is the time to begin or schedule extensive dental work if you need it.
As a general rule, most dental insurance plans offer coverage at 100% on preventative dental care such as routine exams and teeth cleanings. Be sure to have your dental office contact your dental insurance carrier prior to having any work performed, this way you will understand the potential out of pocket expenses that may be involved.
To make the most out of your dental insurance benefits, make sure to get your annual dental check ups and cleanings that are fully covered. Keep in mind that an ounce of prevention in regards to dental care could save you much out of pocket expense that your dental insurance may not cover.
For an appointment or consultation, contact Today’s Dental of Boxborough.