The purpose of dental benefits is to relieve patients of the cost of dental health care services. About 50.2% of adults aged 18 to 64 have dental coverage that will cover their expenses for at least 12 months. Yet, many people let their dental insurance benefits go to waste, which essentially means that they lose money.
We care about our patients, and we want them to get the most out of the dental services they need and the insurance plans that cover them. That’s why Dr. Andrew Tran, a top rated dentist in Marshville, is here to enlighten you on everything you need to know about your dental benefits and how to use them before they expire.
What Are Dental Benefits?
Dental benefits are a type of insurance package that helps you afford dental health care services by covering a certain percentage of your fees. This percentage depends on your insurance plan and the kind of procedures you have done.
Typically, dental benefits cover 80% of the cost for basic procedures and 50% of the cost for major procedures. Your package can be bought personally or may come from your employer as part of your overall health insurance plan.
These benefits are designed to cover a specific percentage of dental care procedures throughout the year and are renewed the following year. Usually, your insurance policy will regulate the types of treatment and dental procedures you can undergo. However, regardless of the specifics listed in your plan, you can still make the most of your dental benefits.
It can be tricky to figure out a way to use up your benefits before they expire for the year. It may be easier to come up with a plan with your dentist. That way, your benefits can be fully utilized without leaving a penny to waste and your oral health will be in great condition.
How Dental Insurance Works
It’s important to understand how dental insurance works so you can choose a plan that is compatible with your budget.
Here’s what you need to know:
- First, you’ll need to choose your insurance plan. Plans can typically be found online and will be sorted from least expensive to most expensive. It is always best to choose one with a monthly premium that you can afford to pay for a year.
- After you have your dental insurance covered, you can then figure out what dental services you need. If you already have a dentist in mind–but you haven’t scheduled anything with them yet–you’ll need to tell the dental office staff what your insurance is to make sure they can accept it. Visiting your dentist will cost you more if they are considered an out-of-network dentist.
Why Is Dental Insurance Important?
Every day, people are trying to spend less and save more money. With dental insurance, you can do just that. Usually, dental care procedures are not cheap, so having insurance will take the burden off of you. More importantly, you won’t have to neglect your dental care and risk developing a serious oral health condition that may cost you even more down the road.
Dental health insurance promotes better oral health because it encourages you to get frequent checkups. If you’re running out of time to use up all of your dental benefits, you can schedule a dental checkup or look into getting a cosmetic dental treatment–like teeth whitening–to make good use of your leftover benefits.
All in all, dental insurance will save you money and, at the same time, make sure your oral health is at its peak.
Why Should You Use Your Dental Insurance Benefits Before They Expire?
For your dental insurance to be active all year round, you are required to pay monthly premiums. The cost of your premium will depend on your insurance plan. The more expensive the dental insurance, the more your monthly premium will cost.
If you don’t use your dental insurance, you will have wasted all of the money you paid in monthly premiums because premiums don’t roll over. If your insurance for the year expires before you can use it all, whatever is left is gone. You will have to start over with a new plan next year.
Getting the Right Dental Procedures to Use Up Your Dental Benefits
Dental benefits undoubtedly come in handy for many dental procedures, but there are several things they don’t cover. Cosmetic procedures like Zoom! whitening, orthodontics (braces), and veneer placements typically aren’t covered under dental benefits.
Your benefits will mostly cover preventive care like annual oral exams, teeth cleanings, and dental X-rays. Your dental benefits will also typically cover basic dental procedures like tooth extractions, root canals, bridges, crowns, dentures, and cavity fillings.
The Downside of Neglecting Your Dental Benefits
Neglecting your dental benefits is basically the same as throwing money out the window. To keep your dental benefits, you have to pay a certain amount of money every month.
These payments add up over time. If you don’t use your insurance, all that money goes to waste at the end of the year.
Use Your Benefits Before They Expire: Schedule Your Appointment With Us at Marshville Family Dentistry
Your 2022 dental benefits will not be able to help you next year. With the holidays coming, now is the perfect time to get your annual oral exam and teeth cleaning done before things get too busy.
Marshville Family Dentistry accepts a a variety of of dental plans so you can use your dental insurance benefits in Marshville, NC for your oral health needs. We’ve partnered with a list of major dental health insurance carriers in the North Carolina area to take care of residents in Marshville and the surrounding areas.
This is your chance to schedule an appointment with us before your dental benefits expire. Call us today!