Maximize Your Dental Benefits
The end of the year may be approaching quicker than you think. Like that, before you know it, it’s the 3rd week of November and the holiday season is already in full swing. You’re probably already preparing for your family events that are taking place during Thanksgiving and Christmas. Thinking about your insurance benefits may be the last of your worries but let me tell you, you should give this topic at least a second of your time during November and December. If you care about saving money, maximizing your dental benefits is critical to ensuring you don’t lose your hard-earned money.
1. You Wouldn’t Throw Away Your Money, Would You?
Going into the new year with unused dental benefits is essentially like wasting the money you tirelessly worked for all year long. If you’re like the majority of insured people, your insurance plan runs on a calendar year. Once the calendar turns it’s page to January 1, you’re money doesn’t roll over- it disappears! Insurance companies aren’t going to call you to make sure you’re using up your remaining coverage. They’re actually counting on millions of Americans to overlook this so your money will end up back in their bank accounts.
2. Find out your Annual Maximum
Within one calendar year, your dental insurance sets a limit for exactly how much of your dental work they will pay for. This is your annual maximum. You’ll notice that not every plan has the same maximum but in most cases it averages around $1,000 per year. If you’re not sure what amount you’ve used, contact our office and we can help find out for you. Once the clock strikes midnight on December 31st, your annual maximum renews and you lose everything left over from 2013.
3. Dental Insurance Monthly Premiums
As you are probably well aware of, you are paying a monthly premium for your dental insurance. This is why it’s so imperative to make use of your remaining benefits. This includes any work you may have been putting off or a simple cleaning, x-ray or exam.
4. Stay Up To Date
You may be someone who schedules and regularly makes it to their 6 month appointments. Every time you’re at the dentist, you get an A+. This may mean that you haven’t depleted your dental insurance but aren’t sure what else you can use your unused coverage for. If it’s been a few months since your last cleaning, you may want to get another quick check-up before the end of the year. You may want some sort of preventative service, such as an x-ray of an uncomfortable area or an oral cancer screening. Getting these procedures out of the way will improve your smile today and will prevent costly restorative treatment down the road.
If you have any questions regarding your dental benefits, please contact our office at (303) 399-0400 or a service representative of your dental insurance plan. Make sure to use up ALL of your benefits before it’s too late. Our schedule is filling up quickly so call us today!