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3 Tips to Maximize Your Dental Plan

November 30, 2020

Filed under: Uncategorized — Tags: — franklindentalteam @ 1:42 am

Dental insurance screen at dentist in Tyler.

Believe it or not, the holidays are already here, which means a new year is right around the corner. While you shop for the perfect gifts and plan tasty meals, your dentist in Tyler also recommends keeping your oral health a priority. When the clock strikes midnight on New Year’s Eve, you’re going to lose any dental benefits you haven’t used. Not sure how to use your policy? Here are 3 tips to help you maximize your dental insurance plan.

1. Focus on Prevention

Dental insurance focuses on prevention because research shows routine cleanings and checkups can lower long-term oral health expenses. Every $1 spent on prevention can save you as much as $50 on restorative services. Regular appointments allow your dentist to monitor your dental health to lessen the need for a costly treatment down the road.

The American Dental Association recommends everyone visits their dentist at least every 6 months. By paying your monthly premiums, you’ll have access to 100% preventive coverage. Even if it hasn’t been half a year since your last visit, you can still have your second hygiene appointment before your coverage expires.

2. Treat Dental Issues Early

Besides preventive care, your policy also includes reduced rates for restorative services to treat dental issues while they are still small. After reaching your yearly deductible, your benefits can cover 50% to 80% of the cost of common restorative treatments, like tooth extractions or dental crowns. You’re given an annual allowance to help offset the amount you will pay out-of-pocket.

Unfortunately, at the end of the year, you’ll lose anything you don’t use. You won’t be reimbursed for your deductible, and any remaining allowance won’t carry over into 2021. With less than 3 % of Americans meeting their yearly limits, you likely have several benefits you’re about to lose.

3. Choose the Right Dentist

If you need a dental appointment, don’t google, “where is the best dentist near me?” Instead, consider whether you want an in-network or out-of-network dentist. Your insurance company recommends you choose a dentist in their network because they have pre-negotiated rates. Despite what you might have heard, you can still use your dental insurance to visit any dentist who accepts your policy, even if they are out-of-network. You can enjoy a wider selection of options for a personalized treatment plan.

Use It Before You Lose It

The next few weeks will be busy but take the time to visit your dentist before your insurance benefits expire. You’ve made a monthly investment in your policy, so why not use it to start 2021 with a healthy, beautiful smile? Your dentist will help you reach your goals without draining your wallet.

About Dr. Donna Franklin-Pitts

Dr. Franklin-Pitts earned her dental degree at Howard University in Washington, D.C. She is an active member of various dental organizations, including the American Dental Association. She accepts many leading dental insurances to keep her services affordable. If you need an appointment before the end of the year, contact our office today.

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