We are just days away from ringing in the New Year. As the countdown approaches, have you given any thought to your dental benefits? Have you scheduled your exam with your Colonia dentist? Most people don’t take advantage of the benefits their dental insurance provides. Before the year comes to a close, consider giving us a call so you can maximize your benefits.
Call your insurance provider
If you aren’t sure about your dental benefits, the first thing you should do is call your provider. A quick call can help you understand your benefits. Annual maximums don’t carry over so if you have an issue like a broken crown or if you are in need of other restorative dental procedures, don’t wait. Take advantage of the money that has been allotted for your plan. Typically, less than 3% of people who participate in a dental plan use all of their benefits. Your insurance company can tell you when your plan ends so you can be sure you don’t forfeit the right to your own money. Would you pay for 10 gallons of gas and not actually fill up your car? No! Your oral health is no different. Cash in on the money you’re entitled to through your insurance company.
Our Colonia dentist office works with most insurance carriers, but it is always smart to determine which dentists are in your network. Again, a simple call to your insurance carrier can help you uncover these details. Most insurance carriers allow you to shop out of network; it just usually affects your out of pocket cost a bit.
Besides getting the most out of your insurance benefits, a dental exam provides benefits for your continued oral health. Regular check-ups catch problem areas early. A small issue can be addressed before it turns into a big issue and therefore saves you money. Never neglect your oral health. The health benefits of preventative dentistry from your Colonia dentist outweigh the risks and costs associated with ignoring your teeth.
Health Savings Account
Your HSA can often be used for dental exams and procedures. This is another area where patients tend to forget what they are owed. If you’re lucky enough to have an employer that contributes or rewards you through an HSA plan, even better. Schedule your appointment so that you don’t lose your money. Luckily, in the case of HSA, some plans will carry over a certain amount, but not all of your money.
In a nutshell
For your quick question guide to your dental insurance company, here is a great reference:
- When do my dental benefits expire?
- Is my Colonia dentist in my network?
- What does my dental insurance cover?
- If you want cosmetic work done: what procedures do my benefits cover?
- What is my annual maximum?
It’s worth the time to look into your dental insurance benefits. You’ll be able to maximize your annual dollar amount and have great teeth at the same time. If you have questions about our Colonia dentist office services, please give us a call. You can also follow us on Facebook to learn more about oral health care.