Dental Benefits

Here we are not too far from 2017, and you probably don’t realize that using your dental insurance by the end of the year can save you hundreds of dollars! This means that if you need dental work or a cleaning, then take full advantage of your dental benefits before your insurance calendar year ends. If you haven’t reached your yearly maximum, but you’ve paid your full deductible or paid money into your dental plan, you need to use them or lose them… especially if you need dental work.  If you have a dental issue, the longer you wait, the worse it will be.  More and larger procedures are more costly.

 

Here are some reasons why using your benefits before the end of the year can save you time and money:

Yearly Maximum

  • What is a yearly maximum?  This is the most money that your dental insurance plan will pay for your dental work within a full calendar year.  The amount varies per insurance company, but the average amount per year, per person is $1000.  This amount renews every year.  If you have unused insurance benefits, these will not rollover.  So plan ahead before your calendar or fiscal year ends.

Deductible

  • Most insurance companies requires a deductible to be paid out of pocket to your dentist, before your insurance company will pay for any dental services.  Depending on your plan and the dentist you choose, your deductible can vary in amount, however average deductibles are around $50 per year.  When plans roll over to a new year, your deductible will also be reset.

Premiums

  • If you are paying your dental insurance premiums every month, you should be using your benefits.  Even if you don’t need any dental treatment, you should always have your regular dental cleanings to help prevent and detect any early signs of cavities, gum disease, oral cancer and other potential dental issues.

Fee Increases

  • Another reason to use your dental benefits before the end of the year are possible fee increases.  This is due to cost of living, equipment, and price of materials rising.  A fee increase can also make your co-payer higher.

Delaying  dental treatment

  • By delaying dental treatment, you are risking more extensive and expensive treatment down the road.  What may be a simple cavity now, could turn into a root canal later.
It’s true that there isn’t that much time until January 1st, but we’re open through-out the holidays.  Dr.Vicki McMullen and associates are here to help!  Call us and schedule an appointment to use those benefits.  (587)757-9809.  Don’t let your dental coverage go to waist.  Make an appointment today!

Also if you are unsure of your coverage, we will be happy to help find out what you are covered for with your permission.