If your dental insurance runs on a calendar year, then all of your benefits reset as of January 1st on an annual basis.
This is both good and bad news. Bad because this means you lose benefits that you’ve paid for over the course of the past year if you haven’t even used them. But it’s also good because you still have time to take advantage of the coverage you’re entitled to!
To save the most money on dental treatment, use up as much of your coverage each year before time runs out and benefits reset.
Why Use Up Your Benefits Now?
With only a month left in this year and the same benefits to come next year, it may seem like there’s no need to hurry.
But maximizing your remaining benefits now is a good idea because:
What to Use Your Benefits On
Has it been six months or more since your last dental cleaning? Then it’s most likely covered 100% by your insurance. Treat yourself to a professional smile polishing right before that holiday party! You’ve practically already paid for it, anyways.
Split major treatment such as dental implants half now, half later. Get work done this month to use up your benefits. Your dentist will help you plan the remainder for early next year when your benefits reset and you have more to draw from, minimizing your out of pocket costs.
Talk with your local dental office for more tips on getting the most of your dental insurance benefits.
Posted on behalf of:
2000 Powers Ferry Rd SE #1
Marietta, GA 30067
You probably never expected your dentist to ask for your medical insurance card. They only take dental insurance, right? Although your policy might be carried through the same company, both of these plans are different and unique. What does medical coverage have to do with a trip to the dentist?
If You’re Getting Treated for Obstructive Sleep Apnea
For people who are CPAP intolerant, an oral sleep appliance may be the best treatment option for your sleep apnea. Although it’s made by your dentist, the device is covered by medical insurance.
For Wisdom Tooth Removal Surgery
Getting your wisdom teeth removed is something that can take place in the dental office, surgery center, or even a hospital. Depending on your case and comfort level, specific types of sedation or equipment may be necessary for wisdom teeth removal. Some of these will fall under traditional dental benefits, but the others may need to be filed against your medical coverage.
When You’re Undergoing Treatment for Oral Cancer
Oral cancer is best identified by your family dentist. If it’s suspected that you have oral cancer, you may be referred to an oral surgeon. Oral surgery offices combine both dental and medical technology during treatments, and as such, the insurance codes and claims must be filed to reflect specific procedures. Your medical and dental plan essentially overlap.
Accidents/Injuries That Affect Your Mouth
On the job injuries or automobile accidents can impact every part of the body…even your mouth and oral structures (including your teeth.) Depending on your situation, a medical policy may need to cover a portion of your care.
When in doubt, bring a copy of both cards during your next dental checkup!
Posted on behalf of:
Paul Jang Dentistry
14711 Princeton Avenue, Ste. 12
Moorpark, CA 93021
If you are in an open enrollment period for your benefits through your employer, this is a great time to take a look at what benefits your dental insurance company offers and make changes, if possible.
Consider Your Dental Needs
Make an honest assessment of the state of your dental health. What issues did you have last year? Are you at risk for things like more cavities or failing crowns?
Try to anticipate potential problems before they can hit at an inconvenient time.
Talk With Your Insurance Provider
Once you’re familiar with what you and your family needs, pull out and inspect your dental insurance policy to see how it matches up. You may have benefits you’ll never need while lacking coverage for things that are common to your situation.
If you see any such discrepancy, talk with your insurance provider or employer about getting a better plan.
Do you know what preventive dental benefits are available to you? How often does your dental plan cover routine dental checkups and cleanings?
Many adults don’t realize that their insurance still covers a fluoride treatment for them. It’s easy to assume that professional fluoride treatments are just for kids. Kids do benefit from fluoride but so do adults. Taking advantage of such coverage is a very easy way to protect your smile and avoid more complicated procedures.
Create A Treatment Plan With Your Dentist
You may have a few items on your dental to-do list. If so, your dentist can help you prioritize treatment so that you don’t put off anything important. Less vital procedures, such as bonding that chip in your front tooth, may be able to wait until later in the year after urgent treatment is taken care of.
Contact your dental office today to get started.
Posted on behalf of:
Mendota Springs Dentistry
6317 McKee Rd #500
Fitchburg, WI 53719
In today’s demanding economy, everyone is looking to save a penny wherever possible. This includes being frugal when it comes the family’s dental care needs.
Being money smart doesn’t mean that you have to skimp on maintaining your oral health, however. Here are a few ways you can make sure you get affordable dental care.
Too many people take their dental insurance for granted. Get familiar with what your plan offers. Use up benefits before the end of the year when they expire. If you feel that your insurance isn’t meeting your or your family’s needs, talk with your employer about adjusting your plan.
It’s not always convenient to pay for that emergency root canal. That’s why most dental offices provide some means of financing your treatment or breaking down your bill into manageable portions.
A lot of practices even offer their own form of insurance alternative for those who can’t get it through work.
There’s no better way to save on fillings, crowns, and the like than by keeping your teeth healthy in the first place!
A thorough oral hygiene routine will help you avoid the need for costly procedures. Toothpaste and floss are far cheaper than implants and dentures.
Sometimes, cheaper dental care is available right around the corner. If you don’t face a pressing emergency, try shopping around for a particular procedure at dental practices farther away from home. Treatment expenses vary with the local economy.
Contact your local dentist for more money-saving tips.
Posted on behalf of:
Noble Smiles Dentistry
9779 E. 146th St.
Noblesville IN 46060
The biggest question most people face when considering dental implant therapy: “Will the implants be covered by my insurance?”
Maybe yes, maybe no. Some dental insurance companies cover a portion of the implant treatment or restoration (such as the crown,) while others do not. Fortunately, the cost of implants has come down over the years, and more insurance plans are covering them than before.
But what if yours doesn’t? Don’t give up in your pursuit of your dream smile just yet!
Why Do You Need Implants?
It’s important to take a minute to consider just how a dental implant procedure could change your life. Why do you believe that an implant is the best option for you? Are you willing to settle for a cheaper but temporary replacement?
Considering these questions will help you decide whether dental implants are worth having despite the fact that your insurance provider may not cover them.
Seriously reviewing the matter this way will prepare you for the next step. Especially when it comes to long-term costs.
It Doesn’t Hurt to Ask!
As dental implant technology is becoming more widely recognized as the standard of tooth replacement, insurance policies are routinely changing. You’ll never know about your coverage for sure until you ask!
Ask About Payment Plans
As a last resort, many dental offices have made reasonable payment plan provisions to their patients. These plans give patients the security of paying within the practice at a time and rate that’s convenient for them. As you look for an implant provider, ask about the payment options they provide.
Dental implants have change the lives for thousands of patients and you could soon be one of them! Contact your dentist for more information on the implant therapy offered in your area.
Posted on behalf of:
Springhurst Hills Dentistry
10494 Westport Rd Suite 107
Louisville, KY 40241
As this year comes to an end, it is a good idea to use up your dental insurance plan benefits before they are lost. How can you use this to benefit your smile?
Here are some reasons why it’s beneficial to schedule a visit before the New Year:
Have you and your dependents used up the maximum of your dental benefits for this year? If not, call your dentist and schedule a cleaning and exam for each of you before the end of the year. This will help you to not only maintain your dental health but to also receive the maximum dental benefits that you have already paid for!
Posted on behalf of:
Gainesville Dental Group
1026 Thompson Bridge Rd
Gainesville, GA 30501
Toward the end of the year, many people rush to use up their remaining dental insurance plan benefits. Why? Because those benefits expire once January 1st rolls around. When we enter into a new calendar year, there are new deductibles to be met all over again.
If you do need treatment, such as a filling or a crown, you want to be sure to plan ahead. Waiting until December to schedule dental treatment may mean that there are no more appointments left! Many people wait until the end of the year to schedule their treatment, which makes appointments fill up quickly.
The best way to make sure you use your insurance coverage without it going to waste, is to schedule treatment sooner. That way you don’t risk not being able to work fewer appointment choices into your schedule.
Not only that, but avoiding dental treatment also allows conditions to worsen. What needs a filling right now might turn into a tooth that needs a crown a few months down the road. Or even a root canal. The sooner you have teeth repaired, the smaller that restoration needs to be.
If you’re putting treatment off because of finances – don’t worry. Plenty of people do, especially if the dental treatment is unexpected. Ask your dentist about financing options that are available to help you bridge the gap between insurance and out of pocket expenses.
Don’t wait until the holidays are here to schedule your oral care visits. Call your dentist today to get prime scheduling options before everyone else tries to do the same thing! You won’t regret it.
Posted on behalf of:
Rolling Ridge Dentistry
7510 Ramble Way #101
Raleigh, NC 27616
Even with the cost of inflation, dental benefit maximums have remained at the same financial amounts since the 1980s. Since taking care of your mouth is important, you need to know how to help your dental care be as affordable as possible. Here are 3 important tips to keep in mind:
It goes without saying, but having routine preventive care is cheaper than waiting to see a dentist for a problem. It also allows your dentist to diagnose problems when they are smaller and much more affordable to treat. What is a small filling today could be a root canal down the road if you wait to get it looked at.
Maximizing Your Insurance Benefits
The types of dental care you get have different levels of coverage. For instance, preventive care that includes fluoride and sealants might be 100%, while a filling is 80%. Having these non-invasive, preventive steps taken can keep your teeth stronger and help them repel tooth decay. When it’s time to set up a treatment plan, your dentist will review your options with you so that you can select a treatment that best fits your needs. Remember that benefits expire at the end of the year, so it helps to take advantage of them early!
If a portion of your treatment is not covered by dental insurance, ask about financing options. Many dentists offer in-office options or 3rd party financing to help patients have their necessary treatment while still making affordable payments each month.
The investments that you put into your smile help it last for a lifetime. Putting your care off can cause you to lose teeth or even your confidence. Ask your dentist what options are out there to help you afford the care you need.
Posted on behalf of:
Wayne G. Suway, DDS, MAGD
1820 The Exchange SE #600
Atlanta, GA 30339
Being able to afford the dental care you need is important. Putting care off even longer due to the cost can mean that conditions worsen and become even costlier to correct. What needs a filling one day can be a tooth that needs a root canal and crown later this year. Here are some tips to keeping the cost of your dental care down, and being able to afford it when something happens.
Always take advantage of your preventive care coverage from your insurance provider. Most preventive visits are covered around 100% and include dental cleanings and checkups, x-rays, exams, and fluoride. These visits can keep your teeth healthy and diagnose needs at their earliest stages.
Ask your dentist about financing options. Many dental offices either have an in-house financing program or work with a 3rd party financing company that offers 0% or low-interest loans for 12-18 months for patients to complete medical or dental care.
Check your insurance plan to see if you have any waiting periods on treatment. A new plan may require you wait 6 or 12 months before certain types of procedures. If you’re thinking about switching insurance plans, look at the fine print first, and see if it’s going to prevent you from being able to afford any particular procedures.
If you don’t like your coverage, take it up with your provider or your HR department at your employer’s office. Most of the time, the coverage benefits are based on something agreed upon between your employer and the provider. Your dentist can’t influence how much your plan will reimburse for your care.
Posted on behalf of Dr. Michael Mansouri, Marietta Family Dental Care, P.C.
Sometimes preventive oral care isn’t enough, and tooth decay, aesthetic concerns, or dental pain leave us needing to have other types of procedures completed. If the treatment needed comes as a surprise, or turns out to be more extensive than you were prepared for, your dental insurance can be very beneficial for covering a portion of the fees. Unfortunately, most insurance plans do not cover 100% of restorative procedures, or patients may not have insurance at all.
Repairing your teeth while needs are as small as possible keeps care more affordable and the treatment less invasive. Fillings are smaller and more affordable than a root canal 6 months from now. If larger treatment is needed, or several smaller procedures are beginning to add up, it’s important for patients to understand what type of financing is available in order to help them restore their smiles sooner rather than later. Your financial coordinator can let you know an estimate of fees that your insurance plan should provide, preventing unexpected surprises after the claim is submitted for reimbursement.
Most dental offices are able to take credit cards, provide a payment plan, or have access to 3rd party financing companies such as CareCredit or Springstone. Typically, these payment plans are 0% interest or low interest loans when paid off within 12-18 months. Patients can take advantage of this financing to keep treatment smaller, more affordable, and protect the health of their teeth.
If you’ve been told that you needed expensive, extensive dental care, it never hurts to have a second opinion given by another dentist. See your trusted dental provider about necessary treatment today, and ask about the financing services that they accept.
Posted on the behalf of Dr. Sarah Roberts, Crabapple Dental
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