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What You Need to Know About Dental Insurance

November 20, 2019

Filed under: Uncategorized — meredith @ 5:28 pm
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Dental insurance can be incredibly confusing, but not if you know some key do’s and don’ts. Every year, Americans waste over 152 billion dollars in dental benefits. The worst part is that they don’t even know this is happening because of how hard it is to navigate through the world of insurance. But, with a little help from your dentist in Richardson, you can end up saving hundreds before 2020 is here. Keep reading to learn how to get the most out of your dental insurance plan.

Know Your Yearly Maximum

When it comes to the do’s and don’ts of your dental insurance, please DO look up your yearly maximum. This is the most your dental insurance is willing to pay for your care in the upcoming year. Maximums are usually between $1,000 and $1,250, but this amount will reset annually. That mean’s whether you’ve spent $1,000 or $1, these benefits will be gone forever when the clock strikes midnight on December 31st. So, it’s in your best interest to know this number and work to reach it before 2020 is here.

Remember Your Deductible

Another important number to keep in mind is your deductible. This is a fee that is paid annually, which essentially unlocks your dental benefits for the upcoming year. Once paid, it’s in your best interest to take advantage of your unlocked coverage. Finish up any outstanding dental treatments like crowns, root canals, or fillings before 2020 so you can use your deductible without paying an additional fee in 2019.

Schedule a Second Appointment

One of the best ways to maximize your dental insurance benefits is to make sure that you’re seeing your dentist in Richardson at least 2 times in 2019. The American Dental Association recommends routine dental visits twice a year, yet millions of people don’t. These biannual appointments are important for your oral health, but they can also save you hundreds. Most dental plans cover preventive care like checkups and cleanings 100%, which makes these visits an easy way to utilize your benefits. Additionally, these appointments prevent and detect oral health issues before they become more extensive and expensive.

Beware of Everchanging Plans

Unlike medical insurance plans, dental insurance can often change. However, this will typically occur during the renewal period at the end of the year. Your plan can change their benefits, raise your premiums, or vary coverage, which is why you should take advantage of your dental dollars while you know the exact terms in 2019.

Are you ready to save money while caring for your teeth? Remember these dental insurance do’s and don’ts to take advantage of your benefits before 2020 is here.

Meet the Dentist

Dr. Meredith G. Davis takes pride in providing quality dental care that is also affordable, which is why she wants you to know these pro insurance tips, and she even offers financing options. For any questions, she can be contacted through her website or by phone at (972) 231-4876.

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