Maximize your dental insurance benefits before they run out! Your insurance benefits may be expiring at the end of this year, and any remaining benefit dollars will be lost. Here is some information about dental insurances, yearly maximums, and how it affects you.
This is the maximum dollar amount a plan will pay during the course of the plan year. The amount varies for each insurance company, but the average is usually $1000-$2000 per year, per person. This maximum will usually renew every year, and does not carry over. If you have unused benefits from this year you will lose them and your monthly premium payments will go to waste. Make sure to maximize your benefits by the end of 2017.
The deductible is the amount of money that you must pay to your dentist out of pocket before your insurance company will pay for any services. This fee varies from one plan to another and could be higher if you choose an out-of-network dentist. However, the average deductible for a dental insurance plan is usually around $50 per year. Your deductible also starts again when your plan rolls over. If you met your deductible for this year you should make sure to schedule any pending treatment. Any treatment started next year will first require you to meet your deductible again for the year.
If you are paying your dental insurance premiums every month, you should be using your benefits. Even if you don’t need any dental treatment, you should always have your regular dental cleanings to help prevent and detect any early signs of cavities, gum disease, oral cancer and other dental problems.
By delaying dental treatment, you are risking more extensive and expensive treatment down the road. What may be a simple cavity now could turn into a root canal later. It is important to have your cleaning and exam every six months to catch any problems sooner rather than later.
Call us today to make an appointment to maximize your dental benefits for 2017! 973-239-5273