When the clock strikes midnight on December 31st, your dental insurance benefits for the year will expire. Unfortunately, many patients never take full advantage of what’s available to them; the National Association of Dental Plans that of those who had dental PPO plans, only 2.8% managed to reach or exceed the maximum. Don’t let your hard-earned money go to waste! Your dentist in Orange Park can work with you and help you get the most out of your dental insurance.
What are the Benefits of Dental Insurance?
Dental PPO plans (the most common kind of dental insurance) usually have an annual deductible that needs to be met before you can receive coverage. After that, the plan will pay for a percentage of your dental care depending on the type of treatment received.
In many cases, you’ll have a “100-80-50” plan. With this, preventive checkups and cleanings are 100% covered. Simple, common procedures such as cavity fillings usually get 80% coverage, while major work such as dental bridges will receive 50%. Each plan has an annual maximum that caps the amount that the insurance company will pay in a given year. Ideally, after meeting your deductible, you should get as close to the maximum as possible; by taking advantage of your plan this way, you’ll ensure that your smile is as well-protected as possible!
How Can I Maximize My Benefits?
Remember that a major aspect of dentistry is prevention. By seeing the dentist before you think you need to, you’ll prevent long-term oral health problems while making good use of your PPO.
Here are a few steps you can take to maximize your benefits before the end of the year:
- Keep your regular dental appointments. As mentioned, most plans will fully cover checkups and cleanings. Ideally, you should see the dentist every six months; if you can’t remember when your last visit was, schedule an appointment as soon as possible!
- Be proactive about your care. Ask your dentist about your dental needs and what sort of treatment you might need in the near future. It’s best to make these appointments as early as possible before the holidays begin.
- Work with your dentist and your insurance provider to figure out exactly what’s covered under your plan. Many practices can research this information for you, but you can also contact the provider directly or visit their website.
The year is more than halfway over now, and time is running out. If you haven’t been taking advantage of your dental insurance plan so far, now’s the time to start. Call your dentist today and start making a plan that’s as healthy for your bank account as it is for your teeth!
About the Author
Dr. Natasha Patel has had many years of experience bringing her patients the best quality treatment available while making sure they feel as comfortable as possible. Her practice, Kind Care Dentistry, accepts most PPO insurance plans as well as some Medicare benefits. To schedule an appointment, visit her website or call (904) 278-9011.