You may have a lot on your plate as 2019 winds down to its end. You might be planning for family gatherings, going shopping, and getting things in order to get 2020 off to the best start possible. In all the year-end busyness, it can be easy to let something like dental care slip your mind. However, you could be losing out on insurance benefits if you do not use your policy before December 31. Let’s discuss a few tips to help you maximize your coverage before it expires.
Use It or Lose It
Most PPO dental plans work on a calendar-year basis. At the beginning of the year, you are given an annual maximum, which is the highest dollar amount that your insurance company will pay out for approved services throughout the year. At the end of the year, any unused portion of that maximum disappears. It is extremely rare for dental insurance plans to have a rollover provision. Check to see how much of your annual maximum you have remaining. It’s likely that you have enough for at least a checkup or other routine services.
Don’t Neglect Preventive Care
Did you know that most PPO plans cover preventive care at 100 percent? Therefore, you might be able to attend up to two cleanings and checkups each year for nothing out of pocket. These appointments will do more than make your smile feel great. They also give your dentist the opportunity to spot developing oral health problems before they become major issues. Since dental insurance covers a much lower percentage of restorative care (typically 50 – 80 percent) than it does preventive care, you could save yourself some significant money by doing all you can to protect your oral health right now.
Strategize for Major Services
What if you require a major procedure, such as a crown or root canal therapy, that exceeds your annual maximum? You might be able to split it up over multiple appointments across this year and next so you can use two annual maximums rather than one. You might also be able to use your flexible spending account (FSA) or healthcare savings account (HSA) to pay for the portion of the treatment that your insurance does not cover.
Ask for Advice
Dental office staff members have lots of experience in dealing with insurance. They can help you understand your coverage and schedule services in a way that helps you get as much as possible out of your plan. They will even file your claims for you.
Are you using your 2019 dental insurance to the full? Time is running out to maximize your coverage!
About Our Practice
We are a general, restorative, and cosmetic dentistry practice that takes pride in providing our patients with top-notch care. We are also insurance-friendly; we accept payment from any indemnity plan, and we are even in-network with several PPO providers. We have room in our schedule to see you before 2019 ends! Contact us at 909-480-4889 to learn more about our financial policies or to schedule an appointment.