May 14, 2019
Do you have dental insurance? The best way to maximize your benefits is to visit your dentist before the end of the year. New Year’s is typically the deadline for your plan’s annual maximum, which can cause you to miss out on any unused benefits. Can you believe that it’s almost halfway to 2020? Your dentist in OKC wants to remind you to use this year’s benefits before they’re gone forever. Keep reading to learn more about insurance and how to keep your smile healthy while protecting your pocketbook.
What is an Annual Maximum?
Almost every plan has an annual maximum, which is the highest amount of money that your insurance is willing to spend on your dental work in one year. This maximum will typically cut off on December 31st, which is why it’s important to use your benefits before then. Your insurance money won’t roll over, so if you have any unused benefits, they’ll be wasted.
Additionally, if you get insurance through your job, you’re paying premiums each month out of your paycheck. So, if you don’t evet go in to visit your dentist, you’re leaving hard-earned dollars on the table at the end of the year.
How Can I get the Most Out of My Insurance?
The key is to use your benefits before the year is over. The easiest way to do this is to visit your dentist for routine checkups and cleanings. Insurance plans usually favor preventive care, allowing you to keep your mouth healthy while also spending as little as possible.
Another important tactic is to see your dentist early in the year. That way, if you have any restorative or more extensive work that needs to be done, you can plan out how to use your dental benefits for the rest of the year, maximizing your coverage.
What Dental Services are Covered by Insurance?
While all dental insurance plans are different, here is the typical breakdown of what types of dental services are covered:
- Preventive dentistry: 100%
- Minor dental restorations: 70%-80%
- Major dental restorations: 40%-50%
Minor restorations are treatments for smaller issues like cavities, where your dentist may use dental fillings. Major restorations will typically involve lost or damaged teeth and require a replacement like dentures or a dental bridge.
As you can tell, most insurance plans want you to proactively take care of your teeth, preventing more extensive and expensive dentistry in the future. If your dentist is in-network with your insurance, then you can enjoy coverage that keeps you healthy and financially happy!
Now that you know more about dental insurance and how to maximize it, request an appointment with your dentist in OKC to take advantage of your dental benefits and keep your oral health in shape.
Meet the Dentist
Dr. Patrick Crowley is a long-time resident of the OKC area, and he loves providing quality care for the patients in his community. He takes pride in offering amazing dental care while accepting insurance to keep it affordable. He currently practices at Bluff Creek Dental, and he can be contacted through his website or by phone at (405) 751-5515 for any questions.
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