Use Them or Lose Them: What You Need to Know About Dental Benefits

November 12, 2019

About Dental Benefits

A healthy smile starts with proper oral hygiene habits and home and seeing your dentist in Katy twice a year. Since most insurance companies agree to cover these two visits, it’s hard to believe that some people won’t even take advantage of getting their teeth and gums cleaned free of charge. Unfortunately, it’s true, and come January 1, 2020, billions of dollars in unused benefits will be returned to the insurance companies. If this sounds like a dilemma you want to avoid, find out what you can do before the new year arrives.

Time to Say Goodbye

Watching the ball drop in Times Square may be a yearly tradition for you and your family, and while you and your loved ones are celebrating with the arrival of 2020, the insurance companies are also celebrating…by welcoming back all the money left behind on unused dental insurance benefits. If you log in to your insurer’s dashboard at 12:01 a.m., you’ll see that your deductible and annual maximum no longer reflect what you accrued in 2019. Instead, it’ll show a $0.00, which means you’re starting over.

When it comes to dental benefits, there is no rollover, so it’s important you make the most of your policy during a single calendar year. Here’s how:

See Your Dentist Not Once but Twice a Year

Your dentist is your friend, and they want you to have a healthy mouth without spending a crazy amount of money. Fortunately, one of the easiest and most cost-effective ways to keep your teeth and gums clean is to keep your regularly scheduled dental checkups and cleanings. These preventive services are, on average, covered by your insurance company, so if you enjoy saving money, want a healthier smile, and strive to prevent any dental problems from developing in the future, you should get that second dental appointment scheduled before December 31.

Make the Insurance Company Pay Up

Each dental plan is different, but most policies cover 70-80% for minor services and 50-70% for major services. What does this mean? The moment you reach your deductible, your insurer is responsible for taking on more of the payment for any services you receive by a dental professional. While there are typically some exclusions such as cosmetic dentistry and some orthodontics, if you learn you need a root canal, dental crown, filling, or even a tooth extracted, you can breathe a bit easier knowing you’ll only pay what’s leftover after insurance has paid their fair share.

It’s unfortunate that you can’t stop your benefits (and money) from disappearing, but you can make sure the insurance company gets little to nothing at the end of each year. You’re already paying them a monthly premium, so make sure the rest of your money is used to keep your oral health on track.

About the Practice

The Dental People of Katy, TX, is locally owned and operated. Each of our dentists is trained and equipped to handle all your dental needs, and our staff wants to help you maximize your insurance benefits. We know treatments and procedures associated with oral health can be costly, and we don’t want to see you lose your hard-earned money at the end of the year, so if you’re unsure what you can do to get the care you need without emptying your pockets, contact us at (281) 769-7648 and let us help.



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