October 2, 2019
The changing colors of the leaves do not just herald the start of another season of Bulldogs football. They are also a sign that only a few months remain until your 2019 dental insurance benefits expire. That’s right – most dental insurance benefits reset at the start of every year, and your current benefits will most likely NOT rollover. The “use it or lose it” nature of your insurance coverage may come as a surprise, but there is no need to panic. Here is some helpful information from a family dentist in Conyers about how to make the most of your 2019 dental insurance benefits.
Don’t Waste Your Deductible
A deductible is the amount of money you have to pay before your dental insurance benefits kick in. If you have already met your deductible for 2019 and your annual coverage remains, your out-of-pocket expenses for a filling, crown, root canal or other treatment will be dramatically reduced.
Most deductibles reset at the beginning of each year, so you should not wait until 2020 to start treatment. If you do, you will likely end up paying more for a procedure that you could get for less if you have met your 2019 deductible and start treatment now.
Don’t be Surprised by New Policies
Another reason to use up all of your 2019 dental insurance benefits is that you may not enjoy identical coverage at the same cost next year. Compared to medical insurance, dental insurance policies are subject to more frequent and dramatic changes from year to year.
Most changes to dental insurance premiums, deductibles and benefits occur at the beginning of the new year. So, if you like your coverage at the moment, you should take advantage of it by scheduling treatment before January 1st. Waiting until 2020 could end up costing you more!
Schedule a Preventive Dental Checkup
The American Dental Association recommends getting a dental checkup every six months – that is, twice a year – to maintain a healthy smile and prevent minor problems from going untreated. However, many people only visit their dentist once a year – if at all!
Most dental insurance plans cover basic preventive care 100%, meaning you will likely pay nothing out-of-pocket for one or two checkups. However, even if you do have to pay a small fee, research shows that it is worth it. According to Dr. James Stephens, president of the California Dental Association, for every dollar spent on preventive dental services, approximately $50 is saved on more expensive, complicated procedures.
So, do both your smile and your wallet a favor by scheduling a dental exam and cleaning with a family dentist in Conyers before the end of the year!
Making the most of your 2019 dental insurance benefits is both smart for your smile and financially savvy. Every plan is different, so talk to a dentist today if you need help maximizing your particular plan’s benefits.
About the Author
A proud graduate of the Medical College of Georgia and a Conyers native, Dr. Anushka Amin provides comprehensive dental care with a friendly, welcoming touch. Dr. Amin and her team go the extra mile by filing insurance claims on behalf of their patients, even in cases where her practice is not a member of the insurance network. Both returning and new patients can contact Dr. Amin by visiting her website or by calling 770-922-0511.
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