Using Dental Insurance before Year’s End
If you have benefits remaining California Dental Group can fit you in for care
Are you at risk of missing out on hundreds of dollars of dental benefits? This could easily happen if you are not careful to maximize your dental insurance benefits before year’s end. In this blog we will help you figure out whether you have coverage remaining and how to use it.
Have You Had Your Dental Cleaning?
Absolutely every dental plan covers at least one annual dental cleaning and exam. This is an essential preventative care service that you should never skip. If you have not head your annual dental cleaning you are essentially throwing away a free benefit—especially if you have not had any other type of dental treatment this year.
To find out how much you stand to lose if you do not schedule your dental cleaning before 2015 is out, just take your monthly premium and multiply by 12. Even if you have one of the least expensive dental plans available you have still spent well over $100. If you don’t at least get your dental cleaning this year you will have gotten nothing for that money except perhaps some peace of mind against an emergency.
Do You Need Additional Care?
If you have already gotten your annual dental cleaning and exam, your dentist may have discovered the need for additional care such as a filling, a root canal, a new crown, or even a tooth extraction. Since all dental problems will get worse if left untreated, it is generally best to schedule any necessary treatment ASAP. But before you do, you may want to figure out if the treatment will be covered by your dental insurance.
This requires asking yourself…
Have You Hit Your Annual Limit?
Every dental insurance plan places an annual limit on the amount of cash they are willing to pay out on each enrollee’s care. On average, this is around $1,000.
If you have not had any care this year besides your dental cleaning, you will not be anywhere close to your annual limit. But, you may very well have already paid your deductible. If you postpone your restorative dental treatment until 2016, you will lose your deductible and have to pay it again. Plus, you will use up your benefits for next year.
By scheduling treatment now, you can use up your full annual limit for 2015 and maximize your coverage.
Call Now to Make an Appointment
With 7 clinic locations and plenty of expert dentists, California Dental Group makes it easy to schedule the care you need right when you need it. Please call the clinic location of your choice to make an appointment.
