Did you know?
Traditional dental insurance plans have deadlines. Yes, they do! As the year gradually comes to an end, so do your dental benefits, and refusing to make good use of your oral health insurance implies leaving money and valuable coverage on the table. To improve your oral health and get the care you desire with little to no out-of-pocket expenses, you must maximize your dental benefits.
So, if you are trying to use dental insurance in Matthews, NC, whether an employee benefit or private insurance, our dental team at Pinnacle Periodontics & Dental Implants can help you identify the treatments covered in your plan and ensure you get the care your teeth deserve.
What to Know about Your Dental Plan
Your dental insurance plans are typically benefits that cover specific oral care services. These benefits vary based on your insurance plan or the provider, but most cover preventive treatments, as well as basic or major dental treatments.
- Preventive treatments covered by most dental insurance plans include dental cleanings, oral examinations or routine checkups, fluoride treatments, sealants, and X-rays. You’ll occasionally receive 100% coverage for these types of care.
- Your dental plans may also cover basic treatments such as root canals, tooth extractions, dental fillings, and gum disease treatments. Coverage for these procedures is about 80% or more if you haven’t paid your deductibles.
- Major dental treatments such as dental implants, dentures, crowns and bridges, and oral surgery often receive about 50% coverage. Discuss with Dr. D’Silva, who is a renowned periodontist and implantology specialist in Matthews, NC, to know more about the treatments covered by your dental insurance.
Why You Should Use Your Dental Benefits Before the End of the Year
Sometimes, your routine activities or anxiety at seeing the dentist may cause you to push your dental health aside until the last minute. This invariably makes it impossible for you to effectively maximize your dental benefits if you have one. Here are a few reasons why it’s important to use your these coverages before the end of the year:
Benefits May Not Roll Over
If you pay a monthly premium on your health insurance plan, then you’re accruing benefits that will help you cover the cost of various dental procedures. While your benefits may fully or partially cover some of your dental treatments, they are usually provided on a “use or lose” basis.
This implies that if you don’t make use of your benefits before the year ends, you lose what you have paid for and begin another monthly payment in the new year. Your annual maximum, which is the amount your insurance company will pay to cover the cost of your dental treatments, does not roll over into the new year. So, any amount not utilized is practically lost.
Saves Money on Treatments
Dental treatments such as crowns, implants, and bridges usually cost more compared to other treatments. With your dental benefits, you can save money on these kinds of treatments. Since your insurance plan may cover half or the majority of procedures, you only have to pay a small portion of the costs.
What to Do If You Have Unused Benefits
If you haven’t used your dental benefits this year or you are yet to exhaust one, you can do the following to maximize your benefits:
Get Preventive Care Treatments
If you don’t have a specific dental problem, then visiting the dentist for preventive care is a great way to put any remaining dental benefits to use. Preventive treatments such as dental cleanings and fluoride treatments are an important way to take care of your teeth. With preventive treatments, our dentist helps keep your teeth healthy and protects against the build-up of cavities.
Schedule a Dental Checkup
Performing routine dental checkups or oral examinations not only helps detect dental issues early but also allows your dentist to treat it in its infancy. Scheduling a dental checkup at our dental office in Matthews saves you from costly dental treatment as a result of undetected oral problems and is also a good way to utilize your unused benefits.
Maximize Your 2024 Dental Benefits in Matthews, NC
If you want more information on how you can maximize your dental benefits in Matthews, NC, call us at Pinnacle Periodontics & Dental Implants to schedule an appointment. Dr. D’Silva and our dental team are always ready to help you get the most from your dental insurance claims. Don’t wait until it’s too late. Visit us today to start using your dental benefits!
