Now is an exciting time as the last few weeks of the year draw to an end. As you spend time shopping for the perfect gifts and planning tasty holiday meals, you may be forgetting about a vital aspect to your oral health. On December 31st, any unused dental benefits expire if you do not visit your dentist in Annapolis now. If you do not maximize the value of your policy, you not only place your oral health at risk, but you also lose thousands of dollars.
Invest in a Healthy Smile
Dental insurance is designed to keep your smile healthy by preventing complications from occurring, like tooth decay and gum disease. This reduces your long-term dental costs. In fact, research shows every $1 spent on prevention can save $8 to $50 on restorative and emergency treatments.
By paying your monthly premiums, you have access to comprehensive coverage to visit your dentist twice a year for a cleaning and checkup. Routine appointments are invaluable for protecting your smile from preventable issues. Depending on your specific policy, you can get the semi-annual care you need for no out-of-pocket expense or for a small co-payment.
Even with the best prevention, an issue may still arise. To ensure it is treated quickly before it worsens, your dental insurance gives you an annual allowance. After paying your deductible, your insurance can cover as much as 80% of minor restorative treatments and 50% of major procedures depending on your policy. In some cases, you can even use your coverage to visit your cosmetic dentist in Annapolis to improve the appearance of your smile if the treatments also promote your oral health.
Don’t Lose Your Coverage
Unfortunately, your dental policy does not last forever. It expires at the end of the year. While you may think you have used all your benefits, you likely have several remaining. On average, less than 3% of Americans meet or exceed their annual coverage.
If you do not use your remaining benefits, you are not reimbursed for those you have not used. In addition, you are not refunded for any premiums or deductibles you have paid.
Although it may be a busy time of the year, make the commitment to see your dentist. It is best to choose an in-network dentist to maximize the value of your policy. They have pre-negotiated rates with your insurance company to lower the amount you need to pay out-of-pocket; however, you still have the freedom to visit one who is not. You can still use your insurance, but you will need to pay the difference between the dentist’s fees and your insurance’s allowable coverage.
Get a Healthy Smile Today!
Do not wait until it is too late. Visit your dentist today to use your remaining benefits.
About Dr. Barry Grosshandler
Dr. Barry Grosshandler is a general and emergency dentist in Annapolis. He strives to provide his patients with affordable dental care to reach optimal oral health. He works with your insurance to keep his services within your budget. Contact our office today to schedule an appointment before the year ends.