October 08, 2021
According to the Centers for Disease Control and Prevention (CDC), over 50% of adults between the ages of 18-64 have private dental insurance. However, nearly 36% of the same age group haven’t been to the dentist in the past year. Although more Americans than ever have access to discounted dentistry using their insurance, only 2.8% of adults meet or exceed their annual limits. You could be throwing money down the drain if you aren’t using your dental insurance. Don’t worry, it isn’t too late to use your coverage. Here are 3 ways to maximize your dental insurance benefits to achieve the smile you deserve.
1. Visit Your Dentist Every 6 Months
Your toothbrush and floss aren’t enough to keep your teeth and gums healthy. The American Dental Association recommends a cleaning and checkup at least twice a year. Many people skip their semi-annual appointments if they don’t have any current oral health concerns. While you may believe you’re saving money, you are opening the door to an expensive dental emergency.
Dentistry focuses on prevention to stop common oral health problems from occurring to avoid costly treatment in the future. Research shows every $1 spent on preventive dentistry can save up to $50 on restorative and emergency expenses. You can visit your dentist twice a year after paying a co-payment.
2. Don’t Wait to Treat Dental Issues
The CDC reports more than 50% of Americans to delay dental care because they believe they can’t afford it. You never have to wait to get the treatment you need using your dental insurance. Although every policy differs, your coverage can pay 80% of the cost of minor restorative procedures and 50% of major services. You are given an annual allowance to use toward the cost, which typically ranges from $1,000 to $2,000, depending on your policy. You never have to put your oral health on hold, even if money is tight.
3. Choose the Right Dentist
Your dental insurance recommends choosing a dentist who is in their network because they have pre-negotiated rates for specific services. You’ll benefit from more coverage at the time of service, but there are limitations to the dentists and treatments you can use. An out-of-network dentist can provide more freedom. Contrary to common belief, you can still use your insurance at an out-of-network practice, but you’ll have to pay the difference between the dentist’s fees and your insurance’s allowable amount.
Don’t Wait Until It’s Too Late
Your dental insurance doesn’t last forever. Your benefits reset on the 1st of the year. You aren’t reimbursed for anything you don’t use, and nothing will accumulate. Make the most of your monthly investment with a trip to your dentist.
About Dr. Keane Fedosky
Dr. Fedosky earned his dental degree from Baylor University in 1991. He is a proud member of various professional organizations, including the American Dental Association and the Texas Dental Association. He works with many dental insurance plans to keep his services affordable. If you have any benefits you’re about to lose, contact our office today to schedule an appointment.