Your Insurance Benefits

Did you know that you could actually save hundreds of dollars by using your dental benefits before the end of the year? While some dental insurance plans run on a fiscal year, most run on a calendar year. If your dental insurance plan is on a calendar year, these 5 reasons will show you why you should make a dental appointment right away.


Yearly Maximum: The yearly maximum is the most money that the dental insurance plan will pay for your dental work within one full year. This amount varies by insurance company, but the average is around $1000.00 per year, per person. The yearly maximum usually renews every year (on January 1st if your plan is on a calendar year). If you have unused benefits, these will not roll over.

Deductible: The deductible is the amount of money that you must pay your dentist out of pocket before your insurance company will pay for any services. This also varies from one plan to another, however, the average deductible for a dental insurance plan is usually around $50.00 per year. Your deductible also starts over when your plan rolls over.

Premiums: If you are paying your dental insurance premiums every month, you should be using your benefits. Even if you don't need any dental treatment, you should always have your regular dental cleanings to prevent and detect any early signs of cavities, gum disease, oral cancer and other dental problems.

Fee Increases: Another reason to use your benefits before the end of the year, are fee increases. Some dentists raise their fees at the beginning of the year due to the increased cost of living, materials and equipment. A fee increase can also make your co payment higher.

IF YOU HAVE ANY QUESTIONS REGARDING YOUR ORTHODONTIC BENEFITS, INSURANCE, OR FINANCIAL ARRANGEMENTS. . . GIVE US A CALL, WE WOULD BE HAPPY TO ASSIST YOU !

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