You pay your dental insurance payments all year long, but these benefits, like other insurance plans, expire at the end of the year. Patients with these sorts of coverage should take use of their advantages to the fullest extent possible. Otherwise, you will be squandering advantages, which will have a direct impact on your dental health.
Don't panic; you still have time to take advantage of your dental benefits before they expire! Are you still undecided? Here are four reasons from your Denver CO dentist on why you should schedule an appointment with a dentist before your coverage runs out at the end of the year.
Many dental insurance policies have a cumulative amount that can be paid per year for dental treatments. The exact number varies based on your insurance policy. However, the national overall gross dental coverage is around $1,000 per person per year, but again, it can vary. As we explained above, these maximums usually reset at the end of each calendar year. Any unused dollars are non-refundable.
Every policy package has a premium, which is the amount of money you pay before the benefits start. Including annual maximums, the sums that are deductible varies according to the contract and insurance provider. Deductibles can be greater if your Denver Highlands dentist is in-network with your insurance provider, but this does not mean that you can't see dentists who are not in-network. Each deductible resets at the end of the year. Deductibles do not always apply to preventative dentistry, such as dental cleanings, exams, and x-rays.
Per year, you incur a fee either through regular premiums deducted from your paycheck or through elective contributions by private dental insurance companies. Dr. O'Grady, best dentist Denver CO, recommends using your dental insurance benefits for routine cleanings, routine hygiene, and more since you're already paying monthly. Often the expense of monthly insurance can add up to the same amount as these annual dental checkups. Why not take advantage of these benefits?
A lot of people are skipping the dentist in general, either because they think they can't afford it or because going to the dentist makes them uncomfortable. If you postpone going to your Denver, CO dentist right now, this will only create more serious dental problems in the future. Your dental problems will not go away on their own! Dr. Eastham, dentist Grand Junction CO, advises that you seek a professional before you need a root canal or even a tooth extraction. Whether you have dental insurance or not, you need to make your oral health a priority.
Editor's note: This post was originally published in November, 2020 and has been completely revamped and updated for accuracy and comprehensiveness.