September 12, 2019
When you hear the terms “deductible,” “annual maximum,” “premiums,” what happens? For most people, anything insurance-related usually causes one of two things: anxiety or a headache. Your dentist in Beaumont understands that when it comes to getting the most out of your dental insurance, you might feel a bit in the dark, especially if you’re unsure about planning an upcoming procedure. Before you throw your hands up and say, “forget it,” hear why you should take advantage of your plan’s benefits before the start of a new year.
What to Remember: Aspects of Your Coverage that Can Benefit You
Whether you’re struggling to understand why it’s so important to see your dentist every six months, or you’re in need of extensive dental work but are afraid your insurance won’t cover it all, it’s time to listen. There are various aspects of your dental insurance plan that can work to your advantage if used correctly. Here’s how:
The annual maximum is the allotted amount your insurance will agree to pay in a calendar year. Should you have a procedure or enough dental work that it exceeds the specified allotment, you will be responsible for the rest. While this might sound like this can work against you, it can surprisingly also work for you.
How so? If you’ve inched your way closer and closer to your annual maximum and discover you’re in need of a more extensive procedure, it’s in your best interest to do it before the year ends because once January 1 arrives, everything starts anew. Benefits don’t roll over, and you’re now starting all over again. If you’re worried that you’ll go over your maximum amount, talk to your dental team to see if your treatments can be spread out so you don’t pay any out-of-pocket costs.
Each time you visit the dentist, it’s likely you’ll have a deductible you’ll need to pay. This is what you owe the dentist before your dental insurance will agree to step in and pay for the services you received. Depending on your individual plan, your deductible may be different than someone else’s, but it’s important to remember that in-network will always save you more money in the long run than seeing an out-of-network provider.
Why? By choosing a dentist who is considered an in-network provider for your dental insurance, you are guaranteed the lowest price for the services provided. This is because your dentist has already negotiated with the insurance company, working to keep costs low while providing high-quality dental care.
A deductible works just like your annual maximum in that it starts over with the new year, so anything you’ve put toward your deductible throughout the year is wiped away with another calendar year, so if you need work done on your teeth or gums, it’s best to do it when you’ve been working toward your deductible.
You’ve got access to all your dental benefits. In fact, you pay a premium every month, so why not use them? It’s like buying a gym membership, never going, and continuing to complain about not fitting in last year’s jeans. The best way to maximize your benefits is to simply use them! If something happens or a problem come up, take advantage of the money you’re already spending and get in to see your dentist for treatment.
How Not Using Your Insurance Can Hurt You
If you decide that your dental insurance is nothing more than a cushion for real emergencies, you’re going to spend a lot of wasted money, and experience poor and deteriorating oral health. When problems arise and are left untreated, this is when more time and money must be spent in order to save your smile.
Not only can tooth decay, gum disease, and even oral cancer be detrimental to your oral health, but it can also be harmful to your overall well-being, resulting in a heart attack, stroke, diabetes, and even Alzheimer’s.
It’s important not to let your teeth and gum health be pushed to the backburner. Take pride in your smile and do what is necessary and right to keep it as healthy as possible. Let your dental team walk you through the best ways to maximize your coverage. Before you know it, you’ll have better oral health and even more money in your pocket than you thought.
About the Practice
At West End Dental, we know that understanding and navigating dental insurance isn’t always easy. From premiums and deductible to annual maximums, it’s hard to know when to use and how to get the most out of your benefits. This is why our team of highly qualified staff are happy to assist in answering any questions and even working on your behalf with your insurance company. We’ll even walk you through your plan and help you find ways to maximize your plan before the year ends. To find out more about our services, contact us at (409) 860-9600.
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