2022 IS COMING TO a close, and that means another year of insurance benefits is about to expire. If you haven’t taken advantage of your dental insurance yet, that’s okay, but the year is almost over, so the time to use them is now. To help you prepare, we want to give you an idea of how to use your dental insurance at William A. Raineri DDS, PC Orthodontics, not just at your general dentist office.
Insurance Benefits Typically Don’t Roll Over to Next Year
Each year, your dental insurance provider probably gives you a maximum amount of available benefits. Since those benefits don’t typically roll over into the following year, you’ll want to contact us now to learn how to get the most of them with your orthodontist!
What Are Dental Benefits?
Dental benefits are the cost-free treatments you get from subscribing to a dental plan. Generally, most health insurance companies are straightforward and specify the type of services they cover.
What Does Dental Insurance Cover?
Oral insurance plans typically cover the cost of preventive care, fillings, root canals, oral surgery, and crowns. However, some dental procedures may include restorative and orthodontic treatments such as braces, dentures, Invisalign, and bridges.
Understand Your Maximum Benefit
When you pay for your dental insurance each month, you’re paying for coverage up to a certain point. That coverage amount is your annual maximum. When the year ends, everything starts over, and you start building back up to that max from zero again.
It means that the money you were supposed to use for essential dental treatments goes down the drain, which is a massive gain to the insurance company and a sad loss to you. That’s why you should never skip out on your dental checkups. Regular oral checkups help you maintain oral health and give you the most bang for your buck.
Understand Your Insurance Deductible
Your deductible also resets at the beginning of the new year. It is the amount that you must pay out of pocket before insurance kicks in. Most health plans use the 100-80-50 structure to specify their contribution to certain dental services. The amount will vary from plan to plan.
All this means that the cost of preventive care could be 100% covered, basic treatments 80% covered, and major dental procedures covered at 50%. Additionally, some insurance companies may not cover cosmetic treatments such as teeth whitening or crowns.
100% Dental Coverage on Preventive Dental Procedures
Your dental policy isn’t just for getting your teeth fixed. It’s about maintaining excellent oral health and preventing disease before it starts. Taking advantage of your dental benefits will always be a win for you. Most dental plans cover 100% of the following up to two times per year:
- Regular professional teeth cleaning: helps prevent cavities and gets rid of plaque and tartar you can’t remove with just flossing and brushing.
- A dental examination: this is more than just checking for cavities. Your dentist inspects your soft tissues and looks for suspicious areas related to oral cancer. They examine your thyroid, lymph nodes, and jaw joints.
- Dental X-rays: these show problems that aren’t visible to the naked eye. Small cavities between your teeth can be hard to detect, and abscessed teeth are sometimes only seen through X-rays.
Your Insurance Won’t Wait and Neither Will Cavities
While cavities may be inconvenient, it’s imperative that we get them treated immediately. Early treatment of cavities prevents long-term damage to our teeth and is essential to maintaining a beautiful, healthy smile! An easy way to effectively use your insurance benefits is to schedule preventive care visits early.
We Can’t Wait to See You!
At William A. Raineri DDS, PC Orthodontics, we’re always looking out for our patients and want to make sure you’re taking the fullest advantage of your dental benefits! If you have any questions regarding dental insurance, stop by or call us today and we can help! Make sure to contact us to schedule an appointment so you can make the most out of your dental insurance before the end of the year. You can also learn more about us on our business page, and don’t forget to check the map before you head our way.