Think back to the last time you visited the dentist. During your appointment, what treatments did you have completed? Was it a simple cleaning and exam or something more extensive? If you’ve only been to the dentist once this year and you’re enrolled in a dental insurance plan, it’s time to take another look before the end of the year. You may be entitled to another cleaning and exam or discounts on restorative treatments you need.
Luckily, a dentist in South Burlington is prepared to make that process easy.
Why is Dental Insurance “Use it or Lose it?”
Whether you have a traditional PPO plan or a Flexible Spending Account (FSA) with unspent funds, it’s incredibly important that you use those benefits and funds now while there is still time. Most dental plans have their funds expire on January 1st, which means money you paid into these plans will be lost as well.
If this has happened to you in the past, you’re not alone. According to the American Dental Association, the average American with dental insurance only uses $323 worth of benefits in a given year, despite having an annual maximum of about $1,250. That’s over $900 worth of benefits going unused. In another report from the National Association of Dental Plans, only 2.8 percent of PPO plan participants met or exceeded their annual maximum.
How to Start Maximizing
Instead of letting these plans go to waste, the best thing you can do is start looking over your current plan and forming any questions you may have. For example, you should know what your current remaining benefits are, what your annual maximum amount currently is and if you can get scheduled before December 31st. Contact your dental insurance company directly or your employer’s HR manager to learn about your plan in more detail. You can also get in touch with a dental practice employee who handles insurance regularly such as a treatment coordinator or insurance concierge. Once you know what benefits you have left, you can start scheduling.
Treatments and Methods to Consider
Most dental plans cover the majority of the cost for preventive treatments. With insurance, you can usually get anywhere from 80 to 100 percent of the cost covered. These include cleanings, exams, X-rays, oral cancer screenings and fluoride varnishes, to name a few.
If you have a more extensive treatment to complete, you can maximize your remaining benefits by using them in the current year, then continue your treatment plan going into next year once they reset. This staggering method is common among dental practices. Ask a front desk receptionist or insurance expert to help you complete treatment this way if you know you’ll have multiple appointments to complete.
Got a question about maximizing your insurance? Schedule an appointment with an emergency dentist in South Burlington today!
About the Author
Dr. Tyler Aten earned his DMD degree from the University of Connecticut School of Dental Medicine. His practice works with many insurance providers, including Delta Dental, Cigna, CBA Blue and many more! To see if they accept your insurance and start saving money on dental care, you can contact them through their website.