October 20, 2019
Believe it or not, another year is about to end. As we approach the holiday season, you’re planning family get-togethers and shopping for the perfect gifts. The last thing on your mind is your dental health; however, a trip to your family dentist should be at the top of your priority list. At the end of the year, your dental insurance will expire. You will not be reimbursed if you don’t use all your coverage. Although your schedule may be a bit busy during the next couple of months, take the time to have a cleaning and checkup to start the year with a healthy smile without breaking the bank.
Why Should I Visit the Dentist?
Brushing and flossing at home are only half the care your teeth and gums need to stay healthy. The American Dental Association recommends you also see your dentist at least twice a year for a cleaning and checkup. Routine dental care keeps your teeth and gums healthy to reduce your overall dental expenses. In fact, research shows every $1 spent on prevention can save as much as $50 on restorative or emergency care.
Unfortunately, one-third of Americans don’t visit their dentist, often because they worry about a large bill. If you have dental insurance, you have nothing to fear. Most insurance plans cover 1-2 preventive visits per year, so you can get the cleanings and checkups you need for minimal out-of-pocket expense.
How Does Dental Insurance Work?
Let’s face it, dental insurance can be pretty confusing, but don’t let that stand in your way of using your coverage. Every month you pay premiums for your policy, which gives you access to various savings opportunities, such as 100% preventive services. Although every policy differs, many plans also cover 50% to 80% of the costs of restorative treatments. After paying your annual deductible, your insurance will pay a portion of their expense until you reach your yearly limit, which is often around $1,500.
At the end of the calendar year, your coverage expires. On average, less than 3% of Americans meet or exceed their annual benefits. If you’re among those who haven’t used all their coverage, you’re going to lose it if you don’t use it before the end of the year. You will not be reimbursed for your premiums or your deductible, and any unused funds won’t carry over into the new year.
Visit Your Dentist Today!
Although your time may seem limited during the holiday season, make your oral health a priority. Don’t waste your dental insurance. Visit your dentist before your coverage expires.
About Dr. Brenda Gong
Dr. Brenda Gong is supported by over 15 years of experience in the dental field. She strives to provide high-quality care that’s affordable for patients from all walks of life. Our office is in-network with many major insurance carriers to maximize the value of your policy to reduce the amount you need to pay out-of-pocket. If you need an appointment before the year ends, contact our office today.
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