November 28, 2019
According to the National Association of Dental Plans, most Americans – about 77% — have dental benefits. But did you know that most people won’t maximize their benefits before they expire at the end of the year? Getting the most out of your plan means protecting the health of your teeth and gums while potentially saving hundreds of dollars on treatment. If you still have dental insurance benefits in Skokie remaining, read on to learn why you should try and put them to use before 2020 arrives.
What Does Your Dental Insurance Cover?
You should always be aware of the benefits offered by your dental plan; this means understanding what services are covered. While each policy is different, you can typically expect dental insurance to pay:
- 100% of the cost of routine preventive care, including dental checkups, cleanings, and X-rays.
- 80% of the cost of simple treatments like fillings.
- 50% of the cost of a major procedure such as crown placement.
Specific coverage will vary. For example, some plans may or may not help pay for a cosmetic treatment. If you’re not sure whether a service falls under your plan, get in touch with your provider.
Why Do Dental Benefits Need to Be Used by the End of the Year?
Dental plans usually set an annual maximum, which is the amount the company can pay for dental health services during the year. When the plan resets in January (assuming your policy is based around the calendar year), any money that’s left over will go back to your insurance company, meaning you can’t use it anymore.
There are many reasons why using your benefits now instead of later makes the most financial sense:
- You have already paid your premiums and can only get your money’s worth if your benefits are actually utilized.
- If you wait until next year to get dental care, you’ll need to meet the deductible again before insurance pays for anything.
- The benefits offered by your plan could change next year, and your dentist in Skokie might raise their rates.
- Delaying dental treatment usually risks making an oral health issue worse; to avoid more costly services, you should take advantage of your benefits and have your tooth treated now.
How Can You Use Your Dental Benefits?
If you haven’t already had two dental appointments this year, you should schedule one now. Regular checkups and cleanings are a great way to use your benefits while preventing cavities or gum disease from forming. If you need a root canal or another necessary service that might require more than one appointment, you can save money by paying for the first visit this year and completing the treatment in January. Don’t let your benefits go to waste; put “find a dentist who takes my insurance in Skokie” on your end-of-the-year to-do list immediately!
About North Shore Family Dentistry
At North Shore Family Dentistry, we’ve been bringing Skokie the best that dentistry has to offer for over 25 years now. We know that it can be stressful to work with dental insurance, which is why we will help file your claims on your behalf and work to maximize your benefits. To schedule an appointment, visit our website or call (847) 677-2894.
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