After a long year stuck at home, 2021 is right around the corner. As you look forward to a new year, the last thing you’re focused on is your dental insurance; however, it should be a priority. Your dental policy is a monthly investment that’s designed to lower your overall oral health expenses by keeping your smile healthy. Unfortunately, your benefits are about to expire. Don’t lose what you’ve paid into. Here are 5 ways to maximize your dental insurance benefits before it’s too late.
1. Maintain preventive appointments.
By paying your monthly premium, you have access to 2 preventive visits per year. You can get the semi-annual cleanings and checkups you need using 100% coverage for routine services to keep your teeth and gums healthy. You’ll reduce your long-term oral health costs because every $1 spent on prevention can save as much as $50 on restorative care. If you haven’t had your second hygiene appointment, there’s still time to see your dentist, even if it hasn’t been more than 6 months since your last visit.
2. Treat dental issues quickly.
Your teeth aren’t indestructible. Even with the right care, your smile can be damaged by decay, infection, or trauma. No matter the cause, you can use your insurance policy to restore your dental health quickly and prevent the problem from worsening. After reaching your annual deductible, your coverage can help offset the cost of common restorative procedures. Every plan differs, but most will pay 50% to 80% of the expense until hitting your limit.
3. Choose the right dentist.
Your insurance company recommends you choose an in-network dentist because they have pre-negotiated rates with one another. You can still visit any location that accepts your coverage, even if they are out-of-network. You’ll have more options for personalized treatments while still benefiting from reduced rates. It’s best to consider all your options to pick the right dentist for your smile.
4. Don’t wait until it’s too late.
Your policy will expire at the end of the year. You won’t be reimbursed for anything you haven’t used, including your premiums and deductible. Nothing will carry over into the new year for accumulation. On average, less than 3% of Americans use all their benefits, so you likely have several remaining that you’re about to lose.
5. Schedule an appointment today.
The end of the year is only a few weeks away. Now is the time to schedule an appointment to maximize your oral health coverage. A member of your dental team will work on your behalf with your insurance company to make the most of your monthly investment. You’ll start the new year with a healthy, beautiful smile that didn’t cost an arm and a leg.
About Forni Dental
Forni Dental strives to provide comprehensive services to create healthy smiles that last. Our office accepts most major dental insurances out-of-network and in-office savings plans to ensure everyone has access to affordable care. If you need an appointment before the end of the year, contact our office today.