7 Reasons to use your Dental Insurance Benefits before it Expires

use dental benefits before they expire

use dental benefits before they expireMaryville and Knoxville, TN

Most dental insurance plans renew at the beginning of the year in January. That gives patients the opportunity to capitalize on their dental insurance benefits in a unique way with little to no out-of-pocket expenses. In order to get the most value from your dental insurance policy, learn why you should contact Crestview Dental Care to schedule a dental appointment today.

  1. Annual Maximum

Typically, your dental insurance plan will have an annual maximum about it will cover for checkups, cleanings, and other procedures. On average, the annual maximum amount covered will range between $1,000 to $1,500 per person. When the New Year begins, your coverage will renew, and you will lose any unused portion of your benefits.

  1. Overlapping Coverage

When you have costly treatments that will require multiple appointments, getting work done toward the end of the year can help you reduce your out-of-pocket expenses by maximizing your benefits. Any remaining benefits can be used at the end of the year to help cover expenses, and the new benefits can be used to continue the necessary treatment.

  1. Taxes

Having a pre-tax Flexible Spending Account (FSA) for medical expenses can help offset the out-of-pocket expenses you may incur throughout the year. As the year comes to a close, you may still have money in the account that needs to be used before the end of December. To get the pre-tax benefit and not lose your money at the end of the year, now is the time to use those funds on your oral care.

  1. Deductibles

Usually, dental insurance companies have a deductible requirement that you must meet before any benefits begin to cover procedures. The amount varies from plan to plan, but the deductible will always be out-of-pocket. Once your deductible has been met for the year, it can be a good time to make an appointment with Crestview Dental Care to schedule any procedure you may have been waiting to complete due to financial constraints. You will have to pay the deductible again starting next year before your plan kicks in to cover any of your treatments. So, if you already met your deductible, now is the opportunity to capitalize on that!

  1. Premiums

When you pay monthly premiums for dental insurance, it’s wise to ensure that you have used the available benefits. Although people tend to regard dental insurance as an unexpected dental emergency backup plan, you should use the benefits to help lower the risk for damage by scheduling your annual checkups and cleanings. During those visits, your Maryville family dentist can monitor your teeth and gums for any potential signs of damage or additional work that will need to be completed.

  1. Fee Increases

With rising costs for equipment and other materials, dental professionals often review their pricing structure to ensure all costs are covered. Unfortunately, the findings from the review may cause a practitioner to raise the price of offered services. Price increases typically happen in January. Therefore, it’s more cost-effective for you to meet your dental needs in November or December before the price increases.

  1. Problems Get Worse

Procrastination is a natural human characteristic that occurs when we face unpleasant circumstances in life. Whether that’s due to a large financial expense or the simple fear of a procedure, procrastinating will only cause the condition to worsen, causing additional costs and even pain. Seeking dental care now will help repair the problem at a lower cost with more assistance from your dental insurance carrier.

So, schedule your appointment with Crestview Dental Care today by calling (865) 982-1700 to review your oral health and insurance coverage to determine if you have used all of your dental insurance benefits for the year. Crestview Dental Care proudly serves the Knoxville and Maryville areas of Tennessee.