Believe it or not, the holiday season is here, which means you only have a few weeks left to visit your dentist in Downtown Boston before your dental insurance expires. Although you might think you’ve reached your annual limits, less than 3% of Americans exceed their yearly benefits, so you likely have several remaining that you’re about to lose. Don’t throw money down the drain. Here are 5 ways to maximize your insurance policy before it expires.
1. Focus on Prevention
Dental care focuses on prevention because research shows it lowers overall oral health expenses. In fact, you can save as much as $50 on restorative services for every $1 spent on prevention. By paying your monthly premiums, you can enjoy 100% coverage for preventive care. You can visit your dentist twice a year for only a small co-payment. If you haven’t had your second hygiene appointment, there’s still time for another visit before the end of the year.
2. Treat Dental Issues Early
Even with a proactive approach, dental problems can arise, but they don’t need to be left untreated. After paying your deductible, your insurance can cover as much as 80% of the cost of restorative treatments, allowing you to quickly reinstate a healthy smile without fearing a large bill.
3. Choose the Right Dentist
Your insurance company recommends you visit a dentist who is in their network because they have pre-negotiated rates with one another. You can still choose any dentist who accepts your coverage to enjoy more options, even if they are out-of-network. It’s best to pick the right dentist to maximize your dental insurance for personalized treatment plans.
4. Don’t Wait Until the Last Minute
Your dental insurance doesn’t last forever. It will expire at the end of the year. Unfortunately, you aren’t reimbursed for anything you don’t use, and nothing accumulates into the new year. Many people rush to use their remaining benefits in the last couple of weeks of the year, so you don’t want to wait until the last minute to schedule an appointment. It’s best to keep your dentist a top priority to make the most of your monthly investment in your smile.
5. Ask for Help
It isn’t any secret dental insurance is confusing, but don’t let that stop you from maximizing your coverage. Your dental team will be by your side to help you navigate your policy. They will work on your behalf with your insurance carrier to file the necessary claims forms for reimbursement, so you have one less thing to worry about.
Invest in a Healthy Smile
Don’t wait until it’s too late to visit your dentist. Keep your oral health at the top of your priority list to start 2021 with a beautiful, healthy smile.
About Devonshire Dental Associates
If you need an appointment, don’t Google “Where is a dentist near me?” Instead, choose Devonshire Dental Associates for affordable care. We work with many insurance carriers to reduce our patients’ out-of-pocket expenses. If you have questions about your policy, or you need to schedule an appointment, contact our office today.