Your schedule is pretty busy during the last few weeks of the year as you gather with your loved ones to celebrate the holidays. Although the upcoming days might be a bit hectic, don’t forget to visit your cosmetic dentist before the end of the year because your dental coverage is about to expire. With less than 3% of Americans meeting or exceeding their annual limits, you likely have several benefits remaining that you’re about to lose. You don’t need to throw money down the drain. Your dentist will help you maximize your policy before the end of the year.
Understanding Your Dental Insurance
You pay a monthly premium toward your specific policy, which gives you access to comprehensive dental care for affordable rates. Although every policy differs, most plans include:
- 100% preventive services.
- 80% minor restorative services.
- 20% major restorative services.
Often, your insurance will cover the cost of 1-2 preventive appointments per year, so you can get the cleanings and checkups you need for minimal out-of-pocket expense. This allows you to keep your teeth and gums healthy to lessen the need for a costly treatment to save you even more money down the road.
If a complication arises, your policy allows you to quickly treat it without breaking the bank. Your insurance company will pay a portion of the cost until you reach your annual limit after paying your deductible.
At the end of the year, your policy expires. If you don’t use all your coverage, you won’t be reimbursed for any unused funds, and they won’t carry over into the new year. Your insurance company will not refund your deductible or your premiums. You could lose hundreds to thousands of dollars that could have been spent on your smile.
Maximize Your Dental Insurance
Your insurance company will likely recommend you visit a dentist who is in your network because they have pre-negotiated rates with the dental office. You can still visit any dentist who accepts your insurance, even if they are out-of-network.
Your dentist will work on your behalf with your dental insurance to file the necessary paperwork. They will explain how your policy is being used to pay for your treatments and if there’s a remaining balance. Your dentist will help you find the solutions you need to keep a healthy smile affordable.
Don’t Waste Your Insurance!
Although your time may seem limited during the next few weeks, schedule an appointment with your dentist. You can start the new year with a healthy, beautiful smile.
About Evergreen Dental Group
Evergreen Dental Group provides complete dental care from one location. We strive to keep our treatments in-office to meet your exact needs without breaking the bank. We accept several leading dental insurance companies to reduce the amount you need to pay for our services. If you need to see a dentist before the end of the year, we’ll help you maximize your coverage before it expires. Contact our office today to schedule your appointment.