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5 Tips for Maximizing Your Dental Insurance Benefits

September 27, 2021

Filed under: Uncategorized — ridgepointdent @ 10:14 pm
dental insurance paperwork on a clipboard with pen

Now that the end of the year is coming up, it’s likely that your dental insurance coverage period is about to reset. Before that happens, have you done everything you can to make the most out of your coverage? Dental insurance can save you a lot of money, but studies show that thousands of dollars of dental benefits go to waste every year. Don’t let that happen to you! Make the most of your dental insurance benefits before January with these five important tips.

1.) Take Advantage of Your Checkups

Have you gotten two dental checkups this year? That’s how many the American Dental Association recommends patients get annually, and that’s often how many are covered by dental insurance. If you don’t take advantage of all of your dental checkups, not only are you wasting benefits you’ve already paid for, but you put yourself at a higher risk of more expensive problems that could have been stopped with early detection.

2.) Know the Basics of Your Coverage

Next, it’s important to know what your coverage entails so you can plan out your future dental care. While every plan is slightly different, most policies follow the 100-80-50 rule when it comes to how much of your treatments they’ll cover:

  • 90-100% of preventive care, including checkups, cleanings, and diagnostics
  • 60-80% of basic treatments, like fillings and dental bonding
  • 50% or less coverage for major procedures, such as root canal therapy or dental crowns

3.) Plan for Next Year’s Deductible

Before your insurance begins covering your care with the 100-80-50 rule, you need to meet your deductible. This is the set dollar amount you need to pay for your own dental treatments before your coverage kicks in. If you haven’t needed very much treatment throughout the year, you may not have met your deductible yet. Since your deductible will probably reset in January, it’s a good idea to postpone major procedures like orthodontics or restorations until then in these cases. That way, you’ll meet next year’s deductible sooner.

4.) Don’t Waste Your Annual Maximum

Your annual maximum is how much your dental insurance company is willing to pay for your dental care after you’ve hit your deductible. If you’ve reached your deductible but haven’t met your annual maximum, you should get as much of the dental treatment you need before the end of the year. Maximums do not typically roll over, so in January you’ll need to pay for all of your treatments as part of your deductible. If you get them before then, you’ll only pay for the percentage that your insurance doesn’t cover.

5.) Talk to Your Dentist About Maximizing Your Benefits

Even with all these tips, dental insurance can be complicated and confusing. That’s why you should talk with your dentist and their knowledgeable team about how you can maximize your insurance benefits. They can help you navigate the specifics of your insurance policy and plan out your future treatments accordingly. With their help, you can rest assured that you’re doing what’s best for both your wallet and your oral health!

About the Practice

At Ridgepoint Dental, we strive to make dental care in Keller as pleasant as possible. As an insurance-friendly office, we are in-network with most major PPO plans and accept out-of-network plans as well. Our knowledgeable team has years of experience ensuring that our patients’ benefits are maximized and we are proud to offer a variety of methods for making dental care affordable. To learn more, we can be contacted online or at (817) 952-8100.

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